Citizens Access™ vs. Marcus by Goldman Sachs
Compare rates, requirements, and features side-by-side to find the best option for you.
| Metric | Citizens Access™Citizens Access® Savings Jan 21, 2026 | Marcus by Goldman SachsMarcus Online Savings Account Jan 21, 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 | $0.01 | $0 |
Snapshot view. Rates subject to change. | ||
| Features | FDIC InsuredNo MinimumsGreat iOS AppGreat Android App | FDIC InsuredNo MinimumsGreat iOS AppGreat Android App |
Market Reality Check
Both of these banks offer rates below the current top tier. The best rates we track are currently above 4.20% APY.
Comparison Analysis
Comparing Citizens Access™ vs. Marcus by Goldman Sachs
As of Citizens Access™ offers an APY of 3.15% for its Citizens Access® 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 pays $50 more than Citizens Access™ on a $10,000 balance after one year. Citizens Access™ pays $315, while Marcus by Goldman Sachs pays $365 - an APY advantage for Marcus by Goldman Sachs.
Why Citizens Access™?
No distinct advantages found vs Marcus by Goldman Sachs.
Why Marcus by Goldman Sachs?
- ✓Higher potential APY (3.65% vs 3.15%) on all balances
— 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 Citizens Access™'s Citizens Access® Savings.
*This calculation assumes current rates remain consistent for 1 year and does not include temporary bonuses.
Executive Summary as of
Marcus by Goldman Sachs offers a competitive APY of 3.65% on its Marcus Online Savings Account, making it the higher-yielding option compared to Citizens Access™, which provides an APY of 3.15% on its Citizens Access® Savings account. Both accounts require no minimum balance, have no maintenance fees, and are online-only. Notably, Marcus's account is highlighted for its simplicity, with no direct deposit requirements or caps on earnings, providing better returns especially as deposit amounts increase. Citizens Access™ is also an attractive choice, particularly for those looking for a lower entry point with a minimum deposit of just $0.01.
The analysis is based on current Banksparency database records
* This content is provided for informational purposes only; always verify details with the provider.
Non-sponsored link to official site
Non-sponsored link to official site
Top Market Contenders
Citizens Access™ vs. Marcus by Goldman Sachs Savings Calculator
You earn $50 more with Marcus by Goldman Sachs than Citizens Access™ 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.
Citizens Access™
Citizens Access® 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.
| Feature | Citizens Access™ | Marcus by Goldman Sachs |
|---|---|---|
| APY | 3.15% Verified: 1/21/2026 ↘︎ 0.35%90d Change | 3.65% Verified: 1/21/2026 Stable (90d) |
| Product Name | Citizens Access® Savings | Marcus Online Savings Account |
| Minimum Deposit | $0.01 | $0 |
| Min. Balance for APY | $0.01 | $0 |
| Monthly Fee | $0 | $0 |
| Branch Access | None | None |
| Account Type | Online Only | Online Only |
| Direct Deposit Req. | None | None |
| Checking Bundle | No | No |
| Mobile Apps | iOS4.8 Android4.9 | iOS4.9 Android4.9 |
| Zelle® Support | Not Supported | Not Supported |
| BBB Rating | A+ | A+ |
| Next Steps | Visit SiteVerify at Citizens Access™ 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 | Citizens Access™ | Marcus by Goldman Sachs |
|---|---|---|
| Citizens Access® Savings | Marcus Online Savings Account | |
Current APY | 3.15% | 3.65% |
Trend | Stable | Stable |
Velocity (bps/mo) | -5.0 | -2.0 |
Days Since Change | 42 | 238 |
12-Month High | 3.70% | 3.90% |
12-Month Low | 3.15% | 3.65% |
Adjustments / Mo | 0.25 | 0.17 |
Volatility Score | 0.055 | 0.024 |
How to read these metrics(Click to expand)
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