Marcus by Goldman Sachs vs. TD Bank
Comparing Marcus by Goldman Sachs and TD Bank for high-yield savings: Marcus by Goldman Sachs's Marcus Online Savings Account pays 3.65% APY while TD Bank's TD Signature Savings pays 2.36% APY.
Note: TD Bank requires a checking account.
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 $360 more than TD Bank annually ($365 vs $5).
Choose Marcus by Goldman Sachs if getting the best rate matters most, you want a no-strings-attached account, or you're an Android user. Choose TD Bank if you value in-person banking, or you want Zelle for quick transfers.
Important Considerations
TD Bank requires a checking account to unlock its top savings rate, while Marcus by Goldman Sachs offers its savings account standalone.
| Metric | Marcus by Goldman SachsMarcus Online Savings Account Feb 6, 2026 | TD BankTD Signature Savings Feb 6, 2026 |
|---|---|---|
| APY | 3.65% | 0.05% - 2.36% |
Est. Earnings | $5,000+$183 $10,000+$365 $25,000+$912 | $5,000+$3 $10,000+$5 $25,000+$13 |
Min Deposit | $0 | $0 |
Snapshot view. Rates subject to change. | ||
Terms | - | This is a tiered savings account where rates may vary on location and whether you're eligible for the Bump Rate. 2.36% is available when you link an eligible TD account and have a minimum balance of $250,000. Otherwise 0.05% is the maximum APY. |
| Features | FDIC InsuredNo MinimumsGreat iOS AppGreat Android AppDaily CompoundingStable Rate | FDIC InsuredHigh MinimumGreat iOS AppGreat Android AppIn-Person AccessZelle® SupportedChecking BundleRate Changes Often |
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 Marcus by Goldman Sachs vs. TD Bank
Executive Summary
Marcus by Goldman Sachs offers a competitive APY of 3.65% on its Marcus Online Savings Account, making it a strong choice for savers looking for simplicity with no minimum deposit or maintenance fees. This account is online-only and does not require direct deposit. In contrast, TD Bank's TD Signature Savings account has a maximum APY of 2.36%, but this rate is contingent upon linking an eligible account and maintaining a minimum balance of $250,000, otherwise, the rate drops to 0.05%. Overall, Marcus by Goldman Sachs is the clear winner in terms of APY.
The analysis is based on current Banksparency database records
* This content is provided for informational purposes only; always verify details with the provider.
Why Marcus by Goldman Sachs?
- ✓Higher potential APY (3.65% vs 2.36%) on all balances
- ✓No checking account or direct deposit required
- ✓Higher rated Android app (4.9 vs 4.1)
Why TD Bank?
- ✓Physical branch access (Multiple branches in CT, DE, FL, ME, MD, MA, NH, NJ, NY, NC, PA, RI, SC, VT, VA, DC)
- ✓Fast transfers via Zelle® (up to $1,000 a day)
— 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 $5/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 $13/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 $360 more interest on a $10,000 balance than TD Bank's TD Signature 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
Marcus by Goldman Sachs vs. TD Bank Savings Calculator
You earn $360 more with Marcus by Goldman Sachs than TD Bank 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.
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
TD Bank
TD Signature Savings
Higher APY requires $250,000
Savings Breakdown
- Interest Earned+$5.00(0.0%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,005.00
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
| Feature | Marcus by Goldman Sachs | TD Bank |
|---|---|---|
| APY | 3.65% Verified: 2/6/2026 Stable (90d) | 2.36% Range: 0.05% - 2.36% Verified: 2/6/2026 ↘︎ 0.39%90d Change |
| Product Name | Marcus Online Savings Account | TD Signature Savings |
| Minimum Deposit | $0 | $0 |
| Min. Balance for APY | $0 | $250,000 |
| Monthly Fee | $0 | $10. Waived under some circumstances. |
| Compound Frequency | Daily | Monthly |
| Branch Access | None | Yes |
| Account Type | Online Only | Online & Branches |
| Physical Branches | N/A | Multiple branches in CT, DE, FL, ME, MD, MA, NH, NJ, NY, NC, PA, RI, SC, VT, VA, DC |
| Direct Deposit Req. | None | None |
| Checking Bundle | No | Yes |
| Mobile Apps | ||
| FDIC Insured | YesVerify FDIC | YesVerify FDIC |
| Zelle® Support | Not Supported | Available Limit: $1,000/dayLimits increase for established or Private Client accounts. |
| BBB Rating | A+ | Not Rated |
| Important Notes | - | This is a tiered savings account where rates may vary on location and whether you're eligible for the Bump Rate. 2.36% is available when you link an eligible TD account and have a minimum balance of $250,000. Otherwise 0.05% is the maximum APY. |
| Next Steps | Visit SiteVerify at Marcus by Goldman Sachs Non-sponsored link to official site | Visit SiteVerify at TD Bank Non-sponsored link to official site |
📈 Compare Savings Rates Over Time
Historical Performance
| Metric | Marcus by Goldman Sachs | TD Bank |
|---|---|---|
| Marcus Online Savings Account | TD Signature Savings | |
Current APY | 3.65% | 2.36% |
Trend | Stable | Stable |
Velocity (bps/mo) | -1.8 | -8.8 |
Days Since Change | 254 | 21 |
12-Month High | 3.90% | 3.51% |
12-Month Low | 3.65% | 2.36% |
Adjustments / Mo | 0.16 | 0.41 |
Volatility Score | 0.022 | 0.107 |
How to read these metrics(Click to expand)
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Compare Marcus by Goldman Sachs' APY of 3.65% with other banks
Compare TD Bank's APY of 2.36% with other banks
| Bank Pair | Competitor APY | Min Deposit |
|---|---|---|
| TD Bank vs Ally Bank | 3.30% | $0 |
| TD Bank vs American Express | 3.30% | $0 |
| TD Bank vs Axos Bank | 4.21% | $0 |
| TD Bank vs Bank of America | 0.01% | $100 |
| TD Bank vs Barclays | 4.00% | $0 |
| TD Bank vs Capital One | 3.30% | $0 |
| TD Bank vs Chase Bank | 0.01% | $0 |
| TD Bank vs Chime | 3.00% | $0 |
| TD Bank vs CIT Bank | 3.75% | $100 |
| TD Bank vs Citibank | 3.20% | $0 |
| TD Bank vs Discover Bank | 3.30% | $0 |
| TD Bank vs EverBank | 3.90% | $0 |
| TD Bank vs Newtek Bank | 4.20% | $0.01 |
| TD Bank vs Openbank | 4.09% | $500 |
| TD Bank vs Pibank | 4.60% | $0 |
| TD Bank vs SoFi Bank | 4.00% | $0 |
| TD Bank vs Synchrony Bank | 3.50% | $0 |
| TD Bank vs Varo Bank | 5.00% | $0 |
| TD Bank vs Wealthfront | 3.95% | $0 |
| TD Bank vs Wells Fargo | 0.05% | $25 |