Citibank vs. Marcus by Goldman Sachs
Comparing Citibank and Marcus by Goldman Sachs for high-yield savings: Citibank's Citi Accelerate Savings pays 3.15% APY while Marcus by Goldman Sachs's Marcus Online Savings Account pays 3.65% APY.
See how they compare on rate stability, mobile app ratings, and more below.
The Bottom Line
Who pays more interest on $10,000? Marcus by Goldman Sachs pays $50 more than Citibank annually ($365 vs $315).
Choose Citibank if you want Zelle for quick transfers. Choose Marcus by Goldman Sachs if getting the best rate matters most, or BBB rating matters to you.
Important Considerations
Citibank's Accelerate Savings is only available in select states where Citi has no branch presence. Check eligibility before applying.
| Metric | CitibankCiti Accelerate Savings Apr 7, 2026 | Marcus by Goldman SachsMarcus Online Savings Account Apr 7, 2026 |
|---|---|---|
| APY | 3.15% | 3.65% |
Est. Earnings | $5,000+$158 $10,000+$315 $25,000+$788 | $5,000+$183 $10,000+$365 $25,000+$912 |
Min Deposit | $0 | $0 |
Snapshot view. Rates subject to change. | ||
Terms | Eligibility restricted to select states. | - |
| Features | FDIC InsuredNo MinimumsGreat iOS AppGreat Android AppZelle® SupportedDaily CompoundingRate Changes Often | FDIC InsuredNo MinimumsGreat iOS AppGreat Android AppDaily CompoundingStable Rate |
Market Reality Check
Both of these banks offer rates below the current top tier. The best rates we track are currently above 4.15% APY.
Comparison Analysis
Comparing Citibank vs. Marcus by Goldman Sachs
Executive Summary
Marcus by Goldman Sachs offers the highest APY with its Marcus Online Savings Account at 3.65%, making it a strong choice for savers. This account requires no minimum deposit or maintenance fees, and it is available online only. In comparison, Citibank's top product, the Citi Accelerate Savings, provides a lower APY of 3.15%, also with no minimum deposit required, but it has a maintenance fee unless certain balance conditions are met. Additionally, Citibank's eligibility is restricted to select states. For those seeking simplicity and better returns, Marcus stands out as the winner.
The analysis is based on current Banksparency database records
* This content is provided for informational purposes only; always verify details with the provider.
Why Citibank?
- ✓Physical branch access (U.S. branches are concentrated in six metropolitan areas, New York City, Chicago, Los Angeles, San Francisco, Washington, D.C., and Miami.)
- ✓Fast transfers via Zelle® (up to $2,500 a day)
Why Marcus by Goldman Sachs?
- ✓Higher potential APY (3.65% vs 3.15%) on all balances
- ✓Available Nationwide
— Key Feature Differences —
Better Returns at $10,000
Marcus by Goldman SachsMarcus by Goldman Sachs's Marcus Online Savings Account earns more on smaller deposits (approx. $365 vs $315/yr).
Better Returns at $25,000
Marcus by Goldman SachsMarcus by Goldman Sachs's Marcus Online Savings Account pulls ahead with larger amounts (approx. $912 vs $788/yr).
Best for Simplicity
Marcus by Goldman SachsMarcus by Goldman Sachs's Marcus Online Savings Account offers 3.65% APY with no bundling, direct deposit requirement or caps.
Shared Benefits
Over a 1-year period, Marcus by Goldman Sachs's Marcus Online Savings Account pays $50 more interest on a $10,000 balance than Citibank's Citi Accelerate Savings.
*This calculation assumes current rates remain consistent for 1 year and does not include temporary bonuses.
Non-sponsored link to official site
Non-sponsored link to official site
Top Market Contenders
Citibank vs. Marcus by Goldman Sachs Savings Calculator
You earn $50 more with Marcus by Goldman Sachs than Citibank on a $10,000 initial deposit for 1 year*.
*This calculation assumes that APYs remain unchanged for 1 year, and takes into account known promo rate periods, but does not factor in bonuses. You can see how often these banks have changed their rates in the Compare Savings Rates Over Time section below.
Citibank
Citi Accelerate Savings
Savings Breakdown
- Interest Earned+$315.00(3.1%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,315.00
Marcus by Goldman Sachs
Marcus Online Savings Account
Savings Breakdown
- Interest Earned+$365.00(3.5%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,365.00
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
Still banking with Chase, Bank of America, or Wells Fargo?
On a $10,000 balance, you're missing out on at least $314 per year in interest.
Both Citibank and Marcus by Goldman Sachs dramatically outperform the typical 0.01% APY at traditional big banks.
| Feature | Citibank | Marcus by Goldman Sachs |
|---|---|---|
| APY | 3.15% Verified: 4/7/2026 ↘︎ 0.15%90d Change | 3.65% Verified: 4/7/2026 Stable (90d) |
| Product Name | Citi Accelerate Savings | Marcus Online Savings Account |
| Minimum Deposit | $0 | $0 |
| Min. Balance for APY | $0.01 | $0 |
| Monthly Fee | $4.50. Waived for average monthly balances > $500 | $0 |
| Compound Frequency | Daily | Daily |
| Branch Access | None | None |
| Account Type | Online Only | Online Only |
| Physical Branches | U.S. branches are concentrated in six metropolitan areas, New York City, Chicago, Los Angeles, San Francisco, Washington, D.C., and Miami. | N/A |
| Direct Deposit Req. | None | None |
| Checking Bundle | No | No |
| Mobile Apps | ||
| FDIC Insured | YesVerify FDIC | YesVerify FDIC |
| Zelle® Support | Available Limit: $2,500/dayTiered limits based on account status (Citigold higher). | Not Supported |
| BBB Rating | D- | A+ |
| Important Notes | Eligibility restricted to select states. | - |
| Next Steps | Visit SiteVerify at Citibank Non-sponsored link to official site | Visit SiteVerify at Marcus by Goldman Sachs Non-sponsored link to official site |
📈 Compare Savings Rates Over Time
Historical Performance
| Metric | Citibank | Marcus by Goldman Sachs | |
|---|---|---|---|
| Citi® Savings Account | Citi Accelerate Savings | Marcus Online Savings Account | |
Current APY | 0.03% | 3.15% | 3.65% |
Trend | Stable | Stable | Stable |
Velocity (bps/mo) | 0.0 | -4.6 | -0.6 |
Days Since Change | 365 | 28 | 314 |
12-Month High | 0.03% | 3.70% | 3.75% |
12-Month Low | 0.03% | 3.15% | 3.65% |
Adjustments / Mo | 0.00 | 0.58 | 0.08 |
Volatility Score | 0.000 | 0.048 | 0.009 |
How to read these metrics(Click to expand)
Compare Similar High-Yield Accounts
Compare Citibank vs...
Comparing against Standard Savings
Compare Marcus by Goldman Sachs vs...
Comparing against Standard Savings
High Rates (With Checking Bundle)
Looking for something different? Check out these top-rated alternatives.
More Comparisons
Compare Citibank's APY of 3.15% with other banks
| Bank Pair | Competitor APY | Min Deposit |
|---|---|---|
| Citibank vs Ally Bank | 3.20% | $0 |
| Citibank vs American Express | 3.20% | $0 |
| Citibank vs Axos Bank | 4.21% | $0 |
| Citibank vs Barclays | 3.85% | $0 |
| Citibank vs Capital One | 3.20% | $0 |
| Citibank vs Chime | 3.00% | $0 |
| Citibank vs CIT Bank | 3.75% | $100 |
| Citibank vs Discover Bank | 3.30% | $0 |
| Citibank vs EverBank | 3.90% | $0 |
| Citibank vs Newtek Bank | 4.20% | $0.01 |
| Citibank vs Openbank | 4.00% | $500 |
| Citibank vs Pibank | 4.60% | $0 |
| Citibank vs SoFi Bank | 4.00% | $0 |
| Citibank vs Synchrony Bank | 3.50% | $0 |
| Citibank vs Varo Bank | 5.00% | $0 |
| Citibank vs Wealthfront | 4.20% | $0 |