High-Yield Savings Account Comparison

Citizens Access™ vs. Marcus by Goldman Sachs

Compare rates, requirements, and features side-by-side to find the best option for you.

Analysis by Aviel Fahl
Updated January 21, 2026
Comparison of Citizens Access™ vs Marcus by Goldman Sachs savings accounts
Metric

Citizens Access™

Citizens Access® Savings

Jan 21, 2026

Marcus by Goldman Sachs

Marcus Online Savings Account

Jan 21, 2026
APY3.15%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.

See Top Rates

Comparison Analysis

Comparing Citizens Access™ vs. Marcus by Goldman Sachs

Updated: Jan 21, 2026

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 Sachs

Marcus 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 Sachs

Marcus by Goldman Sachs's Marcus Online Savings Account pulls ahead with larger amounts (approx. $912 vs $788/yr).

Best for Simplicity
Marcus by Goldman Sachs

Marcus by Goldman Sachs's Marcus Online Savings Account offers 3.65% APY with no bundling, direct deposit requirement or caps.

Shared Benefits

Both offer monthly maintenance-free account options Available Nationwide Available to New & Existing Customers
The Bottom Line on APY (Interest Only)

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.

Citizens Access™Marcus by Goldman Sachs

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.

Verify At
Citizens Access™

Non-sponsored link to official site

Verify At
Marcus by Goldman Sachs

Non-sponsored link to official site

Top Market Contenders

Citizens Access™ vs. Marcus by Goldman Sachs Savings Calculator

Calculations based on current APY for Citizens Access® Savings and Marcus Online Savings Account
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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

3.15% APY

Savings Breakdown

  • Interest Earned
    +$315.00(3.1%)
  • Total Contributions
    $0
  • Initial Deposit
    $10,000

Projected Balance

$10,315.00

Effective APY
3.15%

Marcus by Goldman Sachs

Marcus Online Savings Account

3.65% APY

Savings Breakdown

  • Interest Earned
    +$365.00(3.5%)
  • Total Contributions
    $0
  • Initial Deposit
    $10,000

Projected Balance

$10,365.00

Effective APY
3.65%

The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.

FeatureCitizens 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 NameCitizens Access® SavingsMarcus Online Savings Account
Minimum Deposit$0.01$0
Min. Balance for APY$0.01$0
Monthly Fee$0$0
Branch AccessNoneNone
Account Type
Online Only
Online Only
Direct Deposit Req.NoneNone
Checking BundleNoNo
Mobile Apps
iOS4.8
Android4.9
iOS4.9
Android4.9
Zelle® Support
Not Supported
Not Supported
BBB RatingA+A+
Next Steps
Visit Site

Non-sponsored link to official site

Visit Site

Non-sponsored link to official site

📈 Compare Savings Rates Over Time

Historical Performance

Last 12 Months Analysis
MetricCitizens Access™Marcus by Goldman Sachs
Citizens Access® SavingsMarcus Online Savings Account
Current APY
3.15%3.65%
Trend
Stable Stable
Velocity (bps/mo)
-5.0-2.0
Days Since Change
42238
12-Month High
3.70%3.90%
12-Month Low
3.15%3.65%
Adjustments / Mo
0.250.17
Volatility Score
0.0550.024
How to read these metrics(Click to expand)

Trends & Velocity

  • Trend: The general direction of the rate over the analyzed period. Useful for spotting if a bank is currently aggressive or pulling back.
  • Velocity (bps/mo): Speed of change. A high positive number means they raise rates quickly. 10 bps = 0.10%.
  • Adjustments/Mo: "Twitchiness." High frequency means the rate changes constantly; low frequency means it's stable.

Risk & Range

  • High/Low: The absolute ceiling and floor of the rate during the 358-day window.
  • Volatility Score: Lower is better for predictability. It indicates how wildly the rate swings relative to its average.
  • Days Since Change: If this number is high (e.g., >90), the rate is very sticky. If low, it changed recently.

More Comparisons

Compare Citizens Access™'s APY of 3.15% with other banks
Bank PairCompetitor APYMin Deposit
Citizens Access™ vs Affirm3.20%$0
Citizens Access™ vs Ally Bank3.30%$0
Citizens Access™ vs American Express3.30%$0
Citizens Access™ vs Axos Bank4.31%$0
Citizens Access™ vs Bank of America0.01%$100
Citizens Access™ vs Barclays4.00%$0
Citizens Access™ vs Bask Bank3.75%$0
Citizens Access™ vs Betterment3.25%$10
Citizens Access™ vs BMO Alto3.25%$0
Citizens Access™ vs Bread Savings4.00%$100
Citizens Access™ vs BrioDirect3.75%$5,000
Citizens Access™ vs Capital One3.30%$0
Citizens Access™ vs Carver Bank4.00%$5,000
Citizens Access™ vs Charles Schwab Bank0.15%$0
Citizens Access™ vs Chase Bank0.01%$0
Citizens Access™ vs Chime3.50%$0
Citizens Access™ vs CIT Bank3.75%$100
Citizens Access™ vs Citibank3.30%$0
Citizens Access™ vs Climate First Bank4.21%$50
Citizens Access™ vs Colorado Federal Savings Bank4.05%$50,000
Citizens Access™ vs Discover Bank3.30%$0
Citizens Access™ vs E*TRADE from Morgan Stanley3.50%$0
Citizens Access™ vs Elevault3.82%$0
Citizens Access™ vs EverBank3.90%$0
Citizens Access™ vs Fitness Bank4.75%$100
Citizens Access™ vs FNBO Direct3.00%$1
Citizens Access™ vs Forbright Bank3.85%$0
Citizens Access™ vs FVCbank3.85%$500
Citizens Access™ vs GO2bank4.50%$0
Citizens Access™ vs Ivy Bank4.00%$2,500
Citizens Access™ vs Jenius Bank4.05%$0
Citizens Access™ vs LendingClub4.00%$0
Citizens Access™ vs MutualOne Bank4.07%$20,000
Citizens Access™ vs My Banking Direct4.02%$500
Citizens Access™ vs Neighbors Bank4.20%$0
Citizens Access™ vs Newtek Bank4.35%$0.01
Citizens Access™ vs Openbank4.20%$500
Citizens Access™ vs Peak Bank3.99%$100
Citizens Access™ vs Pibank4.60%$0
Citizens Access™ vs PNC3.30%$0
Citizens Access™ vs Popular Direct3.90%$100
Citizens Access™ vs Presidential Bank3.75%$5,000
Citizens Access™ vs Quontic Bank3.50%$100
Citizens Access™ vs Salem Five Direct3.61%$10
Citizens Access™ vs Sallie Mae Bank3.90%$0
Citizens Access™ vs Santander Bank0.01%$25
Citizens Access™ vs SoFi Bank4.00%$0
Citizens Access™ vs Synchrony Bank3.65%$0
Citizens Access™ vs TD Bank2.36%$0
Citizens Access™ vs TIMBR4.15%$1,000
Citizens Access™ vs UFB Direct3.46%$5000
Citizens Access™ vs Upgrade3.05%$0
Citizens Access™ vs Valley Direct4.00%$1,000
Citizens Access™ vs Varo Bank5.00%$0
Citizens Access™ vs Vio Bank4.09%$100
Citizens Access™ vs Wealthfront3.90%$0
Citizens Access™ vs Wells Fargo0.05%$25
Citizens Access™ vs Zynlo Bank3.85%$10
Compare Marcus by Goldman Sachs' APY of 3.65% with other banks
Bank PairCompetitor APYMin Deposit
Marcus by Goldman Sachs vs Affirm3.20%$0
Marcus by Goldman Sachs vs Ally Bank3.30%$0
Marcus by Goldman Sachs vs American Express3.30%$0
Marcus by Goldman Sachs vs Axos Bank4.31%$0
Marcus by Goldman Sachs vs Bank of America0.01%$100
Marcus by Goldman Sachs vs Barclays4.00%$0
Marcus by Goldman Sachs vs Bask Bank3.75%$0
Marcus by Goldman Sachs vs Betterment3.25%$10
Marcus by Goldman Sachs vs BMO Alto3.25%$0
Marcus by Goldman Sachs vs Bread Savings4.00%$100
Marcus by Goldman Sachs vs BrioDirect3.75%$5,000
Marcus by Goldman Sachs vs Capital One3.30%$0
Marcus by Goldman Sachs vs Carver Bank4.00%$5,000
Marcus by Goldman Sachs vs Charles Schwab Bank0.15%$0
Marcus by Goldman Sachs vs Chase Bank0.01%$0
Marcus by Goldman Sachs vs Chime3.50%$0
Marcus by Goldman Sachs vs CIT Bank3.75%$100
Marcus by Goldman Sachs vs Citibank3.30%$0
Marcus by Goldman Sachs vs Climate First Bank4.21%$50
Marcus by Goldman Sachs vs Colorado Federal Savings Bank4.05%$50,000
Marcus by Goldman Sachs vs Discover Bank3.30%$0
Marcus by Goldman Sachs vs E*TRADE from Morgan Stanley3.50%$0
Marcus by Goldman Sachs vs Elevault3.82%$0
Marcus by Goldman Sachs vs EverBank3.90%$0
Marcus by Goldman Sachs vs Fitness Bank4.75%$100
Marcus by Goldman Sachs vs FNBO Direct3.00%$1
Marcus by Goldman Sachs vs Forbright Bank3.85%$0
Marcus by Goldman Sachs vs FVCbank3.85%$500
Marcus by Goldman Sachs vs GO2bank4.50%$0
Marcus by Goldman Sachs vs Ivy Bank4.00%$2,500
Marcus by Goldman Sachs vs Jenius Bank4.05%$0
Marcus by Goldman Sachs vs LendingClub4.00%$0
Marcus by Goldman Sachs vs MutualOne Bank4.07%$20,000
Marcus by Goldman Sachs vs My Banking Direct4.02%$500
Marcus by Goldman Sachs vs Neighbors Bank4.20%$0
Marcus by Goldman Sachs vs Newtek Bank4.35%$0.01
Marcus by Goldman Sachs vs Openbank4.20%$500
Marcus by Goldman Sachs vs Peak Bank3.99%$100
Marcus by Goldman Sachs vs Pibank4.60%$0
Marcus by Goldman Sachs vs PNC3.30%$0
Marcus by Goldman Sachs vs Popular Direct3.90%$100
Marcus by Goldman Sachs vs Presidential Bank3.75%$5,000
Marcus by Goldman Sachs vs Quontic Bank3.50%$100
Marcus by Goldman Sachs vs Salem Five Direct3.61%$10
Marcus by Goldman Sachs vs Sallie Mae Bank3.90%$0
Marcus by Goldman Sachs vs Santander Bank0.01%$25
Marcus by Goldman Sachs vs SoFi Bank4.00%$0
Marcus by Goldman Sachs vs Synchrony Bank3.65%$0
Marcus by Goldman Sachs vs TD Bank2.36%$0
Marcus by Goldman Sachs vs TIMBR4.15%$1,000
Marcus by Goldman Sachs vs UFB Direct3.46%$5000
Marcus by Goldman Sachs vs Upgrade3.05%$0
Marcus by Goldman Sachs vs Valley Direct4.00%$1,000
Marcus by Goldman Sachs vs Varo Bank5.00%$0
Marcus by Goldman Sachs vs Vio Bank4.09%$100
Marcus by Goldman Sachs vs Wealthfront3.90%$0
Marcus by Goldman Sachs vs Wells Fargo0.05%$25
Marcus by Goldman Sachs vs Zynlo Bank3.85%$10