Citibank vs. Marcus By Goldman Sachs
High-Yield Savings Account Comparison
By Aviel Fahl|Last Updated: November 12, 2025
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Summary of Citibank vs. Marcus by Goldman Sachs
Key Metrics at a Glance
| Feature | Citibank | Marcus by Goldman Sachs |
|---|---|---|
| Top Savings APY | 3.35% Citi Accelerate Savings | 3.65% Marcus Online Savings Account |
| Minimum to Open | $0 | $0 |
| Minimum Balance for Top APY | $0.01 | $0 |
Citibank
Strengths
- Citi Accelerate Savings offers an APY of 3.35%, slightly down from 3.40% last month.
- Citi Accelerate Savings allows a minimum deposit of $0 and minimum balance of $0.01.
- Citi has a high App Store rating of 4.9.
Potential Drawbacks
- Citi's BBB rating is D- and it is not accredited.
- Citi Accelerate Savings has a maintenance fee of $4.50 unless balance exceeds $500.
- Citi's Google Play rating is lower at 4.8.
Marcus by Goldman Sachs
Strengths
- Marcus Online Savings Account offers a higher APY of 3.65%, unchanged from last month.
- Marcus has no maintenance fees, making it cost-effective.
- Marcus has a strong BBB rating of A+.
Potential Drawbacks
- Marcus has a lower Google Play rating of 4.1.
- Marcus does not have any physical branches.
- Marcus requires no minimum deposit but is online-only.
→ As of November 12, 2025 Citibank offers an APY of 3.35% for its Citi Accelerate Savings account, with a minimum balance of $0.01, compared to Marcus by Goldman Sachs's 3.65% APY for its Marcus Online Savings Account, with a minimum balance of $0.
→ Marcus by Goldman Sachs yields $30 more than Citibank on a $10,000 balance after one year. Citibank pays $335, while Marcus by Goldman Sachs pays $365 - an APY advantage for Marcus by Goldman Sachs.
→ In addition, Citibank also offers 0.03% APY for the Citi® Savings Account account.
Calculate Savings Growth for Citibank vs Marcus by Goldman Sachs
Citibank - Citi Accelerate Savings
Total savings breakdown:
- Interest earned: $2,018.8 (10.08%)
- Total contributions: $13,000 (64.94%)
- Initial deposit: $5,000 (24.98%)
Your total balance
$20,018.80
Total balance: $20,018.8
Earnings: $2,018.8
Bank OverviewMarcus by Goldman Sachs - Marcus Online Savings Account
Total savings breakdown:
- Interest earned: $2,209.7 (10.93%)
- Total contributions: $13,000 (64.33%)
- Initial deposit: $5,000 (24.74%)
Your total balance
$20,209.70
Total balance: $20,209.7
Earnings: $2,209.7
Bank OverviewWith a $5,000 initial deposit and $13,000 in total contributions over 5 years, Citibank's total earnings would be $190.9 lower than Marcus by Goldman Sachs's total earnings.
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
Compare Citibank's vs Marcus by Goldman Sachs' Savings Accounts
| Citibank | Marcus by Goldman Sachs | |||
|---|---|---|---|---|
| Product | Citi Accelerate Savings | Citi® Savings Account | vs | Marcus Online Savings Account |
| APY | 3.35% (as of 11/12/2025) | 0.03% (as of 11/12/2025) | 3.65% (as of 11/12/2025) | |
| Bundled Account | No | No | No | |
| FDIC-insured | Yes | Yes | Yes | |
| Online Only | Yes | No | Yes | |
| Compound Frequency | Daily | Daily | Daily | |
| Minimum Deposit | $0 | $0 | $0 | |
| Minimum Balance for APY | $0.01 | $0.01 | $0 | |
| Maintenance Fee | $4.50. Waived for average monthly balances > $500 | $4.50. Waived for average monthly balances > $500 | $0 | |
| Direct Deposit Required | No | No | No | |
| Eligibility | Alaska, Alabama, Arkansas, Arizona, Colorado, Delaware, Florida (select parts), Georgia, Hawaii, Iowa, Idaho, Illinois (select parts), Indiana, Kansas, Kentucky, Louisiana, Maine, Michigan, Minnesota, Missouri, Mississippi, Montana, North Carolina, North Dakota, Nebraska, New Hampshire, New Mexico, Ohio, Oklahoma, Oregon, Pennsylvania, Rhode Island, South Carolina, South Dakota, Tennessee, Texas, Utah, Virginia (partial), Washington (partial), Wisconsin, West Virginia, Wyoming. | California, Connecticut, Maryland, Nevada, New Jersey, New York, Virginia (partial), Washington D.C., and select parts of Florida and Illinois. In addition, promotional rates may be available if requirements are met. | United States | |
| App Store Rating | 4.9/5 | 4.8/5 | ||
| Google Play Rating | 4.8/5 | 4.1/5 | ||
| BBB Rating | D- | A+ | ||
Comparative Historical APY Insights (Last 9 Months)
| Citibank | Marcus by Goldman Sachs | |||
|---|---|---|---|---|
| Product | Citi® Savings Account | Citi Accelerate Savings | vs | Marcus Online Savings Account |
| Latest APY | 0.03 % | 3.35 % | 3.65 % | |
| Trend | Sideways | Sideways | Sideways | |
| Slope (bps/mo) | 0.0 | -4.8 | -2.9 | |
| Rate Changes / Mo | 0.00 | 0.52 | 0.21 | |
| Days Since Last Change | 289 | 9 | 169 | |
| High (-9 m) | 0.03 % | 3.80 % | 3.90 % | |
| Low (-9 m) | 0.03 % | 3.35 % | 3.65 % | |
| Draw-down from High | 0.0 % | -11.8 % | -6.4 % | |
| Volatility (CV) | 0.000 | 0.039 | 0.026 | |
APY Insights Glossary
- Latest APY
- Most recent advertised annual-percentage yield.
- Trend
- Direction over the last 9 months (regression slope).
- Slope (bps/mo)
- Average monthly change; 10 bps = 0.10 pp.
- Rate Changes / Mo
- Typical number of APY moves per month.
- Days Since Last Change
- Recency of the latest APY adjustment.
- High (-9 m)
- Highest APY in the last 289 days.
- Low (-9 m)
- Lowest APY in the last 289 days.
- Draw-down from High
- How far today sits below the 9-month peak.
- Volatility (CV)
- Coefficient of variation = stdev ÷ mean.
Why Track Savings-Account APYs?
- See how quickly a bank reacts to Fed moves or competition.
- Gauge “twitchiness” - frequent moves can annoy savers.
- Spot if you're buying near a peak (draw-down) or riding a rise.
- Slope (bps/mo) shows speed of change.
- Volatility (CV) scales jumps by average level.