Citizens Access™ vs. Marcus by Goldman Sachs
Compare rates, requirements, and features side-by-side to find the best option for you.
Citizens Access™
Citizens Access® Savings
3.35%APYDec 5, 2025FDIC InsuredNo MinimumsGreat iOS AppGreat Android AppShow Fine Print & Trends Hide Details
Citizens Access™
Citizens Access® Savings
Marcus by Goldman Sachs
Marcus Online Savings Account
3.65%APYDec 6, 2025FDIC InsuredNo MinimumsGreat iOS AppGreat Android AppShow Fine Print & Trends Hide Details
Marcus by Goldman Sachs
Marcus Online Savings Account
Market Reality Check
Both of these banks offer rates below the current top tier. The best rates we track are currently above 4.25% APY.
Comparison Analysis
Comparing Citizens Access™ vs. Marcus by Goldman Sachs
Why Citizens Access™?
- ✓Higher rated Android app (4.8 vs 4.2)
Why Marcus by Goldman Sachs?
- ✓Higher potential APY (3.65% vs 3.35%) 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 $335/yr).
Better Returns at $25,000
Marcus by Goldman SachsMarcus by Goldman Sachs's Marcus Online Savings Account pulls ahead with larger amounts (approx. $913 vs $838/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 $30 more interest on a $10,000 balance than Citizens Access™'s Citizens Access® Savings.
Executive Summary
Marcus by Goldman Sachs offers a competitive APY of 3.65% on its Marcus Online Savings Account, making it the winner compared to Citizens Access™, which provides a lower APY of 3.35% on its Citizens Access® Savings account. Both accounts require no minimum balance and have no maintenance fees, with daily compounding. Notably, Marcus's account is highlighted for its simplicity, as it does not require direct deposit or bundling. Both accounts are online-only, catering to customers looking for high-yield savings options.
Analysis generated based on current Banksparency database records
* AI-generated content provided for informational purposes only. Accuracy is not guaranteed; always verify details with the provider.
Top Market Contenders
See who beats both Citizens Access™ and Marcus by Goldman Sachs.
| Feature | Citizens Access™ | Marcus by Goldman Sachs |
|---|---|---|
| APY | 3.35% Verified: 12/5/2025 ↘︎ 0.15%90d Change | 3.65% Verified: 12/6/2025 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 Android4.8 | iOS4.8 Android4.2 |
| BBB Rating | A+ | A+ |
| Next Steps |
Savings Comparison
Marcus by Goldman Sachs earns $190.9 more than Citizens Access™.
Citizens Access™
Citizens Access® Savings
Savings Breakdown
- Interest Earned+$2,018.80(10.1%)
- Total Contributions$13,000
- Initial Deposit$5,000
Projected Balance
$20,018.80
Marcus by Goldman Sachs
Marcus Online Savings Account
Savings Breakdown
- Interest Earned+$2,209.70(10.9%)
- Total Contributions$13,000
- Initial Deposit$5,000
Projected Balance
$20,209.70
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
📈 Compare Savings Rates Over Time
Historical Performance
| Metric | Citizens Access™ | Marcus by Goldman Sachs |
|---|---|---|
| Citizens Access® Savings | Marcus Online Savings Account | |
Current APY | 3.35% | 3.65% |
Trend | Stable | Stable |
Velocity (bps/mo) | -3.8 | -2.5 |
Days Since Change | 37 | 192 |
10-Month High | 3.70% | 3.90% |
10-Month Low | 3.35% | 3.65% |
Adjustments / Mo | 0.19 | 0.19 |
Volatility Score | 0.037 | 0.025 |
How to read these metrics(Click to expand)
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