Citizens Access™ vs. Marcus by Goldman Sachs
Comparing Citizens Access™ and Marcus by Goldman Sachs for high-yield savings: Citizens Access™'s Citizens Access® 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 Citizens Access™ annually ($365 vs $315).
Choose Marcus by Goldman Sachs if getting the best rate matters most.
| Metric | Citizens Access™Citizens Access® Savings Mar 5, 2026 | Marcus by Goldman SachsMarcus Online Savings Account Mar 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 | $0.01 | $0 |
Snapshot view. Rates subject to change. | ||
| Features | FDIC InsuredNo MinimumsGreat iOS AppGreat Android AppDaily 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 Citizens Access™ vs. Marcus by Goldman Sachs
Executive Summary
Marcus by Goldman Sachs offers a competitive APY of 3.65% on its Marcus Online Savings Account, making it the winner in this comparison. This account requires no minimum deposit or balance, and there are no maintenance fees, providing a straightforward savings option. In contrast, Citizens Access™ provides a lower APY of 3.15% on its Citizens Access® Savings account, which also has no minimum deposit or maintenance fees. Both accounts are online-only and do not require direct deposit, making them accessible for users looking for high-yield savings options.
The analysis is based on current Banksparency database records
* This content is provided for informational purposes only; always verify details with the provider.
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.
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.
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 Citizens Access™ and Marcus by Goldman Sachs dramatically outperform the typical 0.01% APY at traditional big banks.
| Feature | Citizens Access™ | Marcus by Goldman Sachs |
|---|---|---|
| APY | 3.15% Verified: 3/5/2026 ↘︎ 0.20%90d Change | 3.65% Verified: 3/7/2026 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 |
| Compound Frequency | Daily | Daily |
| Branch Access | None | None |
| Account Type | Online Only | Online Only |
| Physical Branches | N/A | N/A |
| Direct Deposit Req. | None | None |
| Checking Bundle | No | No |
| Mobile Apps | ||
| FDIC Insured | YesVerify FDIC | YesVerify FDIC |
| 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) | -5.8 | -1.2 |
Days Since Change | 85 | 281 |
12-Month High | 3.70% | 3.90% |
12-Month Low | 3.15% | 3.65% |
Adjustments / Mo | 0.25 | 0.16 |
Volatility Score | 0.062 | 0.017 |
How to read these metrics(Click to expand)
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More Comparisons
Compare Citizens Access™'s APY of 3.15% with other banks
| Bank Pair | Competitor APY | Min Deposit |
|---|---|---|
| Citizens Access™ vs Ally Bank | 3.20% | $0 |
| Citizens Access™ vs American Express | 3.30% | $0 |
| Citizens Access™ vs Axos Bank | 4.21% | $0 |
| Citizens Access™ vs Bank of America | 0.01% | $100 |
| Citizens Access™ vs Barclays | 3.85% | $0 |
| Citizens Access™ vs Capital One | 3.30% | $0 |
| Citizens Access™ vs Chase Bank | 0.01% | $0 |
| Citizens Access™ vs Chime | 3.00% | $0 |
| Citizens Access™ vs CIT Bank | 3.75% | $100 |
| Citizens Access™ vs Citibank | 3.20% | $0 |
| Citizens Access™ vs Discover Bank | 3.30% | $0 |
| Citizens Access™ vs EverBank | 3.90% | $0 |
| Citizens Access™ vs Newtek Bank | 4.20% | $0.01 |
| Citizens Access™ vs Openbank | 4.09% | $500 |
| Citizens Access™ vs Pibank | 4.60% | $0 |
| Citizens Access™ vs SoFi Bank | 4.00% | $0 |
| Citizens Access™ vs Synchrony Bank | 3.50% | $0 |
| Citizens Access™ vs Varo Bank | 5.00% | $0 |
| Citizens Access™ vs Wealthfront | 4.20% | $0 |
| Citizens Access™ vs Wells Fargo | 0.05% | $25 |