Marcus by Goldman Sachs vs. TD Bank
Compare rates, requirements, and features side-by-side to find the best option for you.
Marcus by Goldman Sachs
Marcus Online Savings Account
3.65%APYDec 10, 2025FDIC InsuredNo MinimumsGreat iOS AppGreat Android AppShow Fine Print & Trends Hide Details
Marcus by Goldman Sachs
Marcus Online Savings Account
TD Bank
TD Signature Savings
Up to2.75%APYDec 10, 2025FDIC InsuredHigh MinimumChecking BundleGreat iOS AppGreat Android AppIn-Person AccessRange: 0.05% – 2.75%Show Fine Print & Trends Hide Details
TD Bank
TD Signature Savings
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.
Marcus by Goldman Sachs vs. TD Bank Savings Calculator
Marcus by Goldman Sachs earns $2,181.1 more than TD Bank.
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
TD Bank
TD Signature Savings
Higher APY requires $100,000
Savings Breakdown
- Interest Earned+$28.60(0.2%)
- Total Contributions$13,000
- Initial Deposit$5,000
Projected Balance
$18,028.60
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
Comparison Analysis
Comparing Marcus by Goldman Sachs vs. TD Bank
Why Marcus by Goldman Sachs?
- ✓Higher potential APY (3.65% vs 2.75%) on all balances
- ✓No checking account or direct deposit required
- ✓Higher rated Android app (4.4 vs 4.0)
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)
— 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 $0/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 $0/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.
Executive Summary
Marcus by Goldman Sachs offers a competitive APY of 3.65% on its Marcus Online Savings Account, which is available online only and requires no minimum deposit or maintenance fees. This account stands out for its simplicity, as it does not require direct deposit or bundling with other products. In contrast, TD Bank's TD Signature Savings account provides a lower APY of 2.75%, but only for customers who maintain a minimum balance of $100,000 and link an eligible TD account; otherwise, the rate drops to 0.05%. Therefore, Marcus by Goldman Sachs is the more attractive option for savers looking for higher returns.
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 Marcus by Goldman Sachs and TD Bank.
| Feature | Marcus by Goldman Sachs | TD Bank |
|---|---|---|
| APY | 3.65% Verified: 12/10/2025 Stable (90d) | 2.75% Range: 0.05% - 2.75% Verified: 12/10/2025 ↘︎ 0.25%90d Change |
| Product Name | Marcus Online Savings Account | TD Signature Savings |
| Minimum Deposit | $0 | $0 |
| Min. Balance for APY | $0 | $100,000 |
| Monthly Fee | $0 | $10. Waived under some circumstances. |
| Branch Access | None | Yes |
| Account Type | Online Only | Online & Branches |
| Direct Deposit Req. | None | None |
| Checking Bundle | No | Yes |
| Mobile Apps | iOS4.9 Android4.4 | iOS4.8 Android4.0 |
| 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. 2.75% is available when you link an eligible TD account and have a minimum balance of $100,000. Otherwise 0.05% is the maximum APY. |
| Next Steps |
📈 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% | 2.75% |
Trend | Stable | Stable |
Velocity (bps/mo) | -2.4 | -8.3 |
Days Since Change | 196 | 68 |
10-Month High | 3.90% | 3.70% |
10-Month Low | 3.65% | 2.75% |
Adjustments / Mo | 0.19 | 0.38 |
Volatility Score | 0.025 | 0.085 |
How to read these metrics(Click to expand)
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