Chase Bank vs. Marcus by Goldman Sachs
Chase Bank's Chase Savings℠ pays 0.01% APY while Marcus by Goldman Sachs's Marcus Online Savings Account pays 3.40% 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 $339 more than Chase Bank annually ($340 vs $1).
Choose Chase Bank if you want Zelle for quick transfers. Choose Marcus by Goldman Sachs if getting the best rate matters most.
| Metric | Chase BankChase Savings℠ Sep 3, 2026 | Marcus by Goldman SachsMarcus Online Savings Account Sep 4, 2026 |
|---|---|---|
| APY | 0.01% | 3.40% |
Earns in a year | $5,000+$1 $10,000+$1 $25,000+$3 | $5,000+$170 $10,000+$340 $25,000+$850 |
Min. Deposit | $0 | $0 |
Snapshot view. Rates subject to change. | ||
Terms | APY may vary by market. The maintenance fee may be waived under some circumstances, such as if the account balance is maintained with at least $300 each day, or you set up automatic transfers from a linked Chase account, etc. | - |
| Features | FDIC InsuredNo MinimumsGreat iOS AppGreat Android AppIn-Person AccessZelle® SupportedStable Rate | FDIC InsuredNo MinimumsGreat iOS AppGreat Android AppDaily CompoundingStable Rate |
Market Reality Check
Both of these institutions offer rates below the top 10 savings and money market accounts we track. Those institutions all pay at least 4.01% APY.
Comparison Analysis
Comparing Chase Bank vs. Marcus by Goldman Sachs
Executive Summary
Marcus by Goldman Sachs offers a compelling choice with its Marcus Online Savings Account, providing a competitive 3.40% APY, significantly higher than Chase Bank's offerings, which all yield only 0.01% APY. Chase's savings products include the Chase Savings℠ and Chase Premier Savings, but they do not match the returns available at Marcus. Additionally, Marcus has no maintenance fees, while Chase charges a $5 fee unless certain conditions are met. The Marcus account is online-only and does not require a checking account or direct deposit, making it a straightforward option for savers.
The analysis is based on current Banksparency database records
* This content is provided for informational purposes only; always verify details with the provider.
Why Chase Bank?
- Offers 4 different high-yield savings options
- Fast transfers via Zelle® (up to $2,000 a day)
Why Marcus by Goldman Sachs?
- Higher potential APY (3.40% vs 0.01%) on all balances
- No checking account or direct deposit required
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. $340 vs $1/yr).
Better Returns at $25,000
Marcus by Goldman SachsMarcus by Goldman Sachs's Marcus Online Savings Account pulls ahead with larger amounts (approx. $850 vs $3/yr).
Better for Simplicity
Marcus by Goldman SachsMarcus by Goldman Sachs's Marcus Online Savings Account offers 3.40% 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 $339 more interest on a $10,000 balance than Chase Bank's Chase 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
Chase Bank vs. Marcus by Goldman Sachs Savings Calculator
You earn $339 more with Marcus by Goldman Sachs than Chase 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.
Chase Bank
Chase Savings℠
Savings Breakdown
- Interest Earned+$1.00(0.0%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,001.00
Marcus by Goldman Sachs
Marcus Online Savings Account
Savings Breakdown
- Interest Earned+$340.00(3.3%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,340.00
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
| Feature | Chase Bank | Marcus by Goldman Sachs |
|---|---|---|
| APY | 0.01% Observed: 9/3/2026 Stable over 90 days | 3.40% Observed: 9/4/2026 Stable over 90 days |
| Product Name | Chase Savings℠ | Marcus Online Savings Account |
| Minimum Deposit | $0 | $0 |
| Min. Balance for APY | $0 | $0 |
| Monthly Fee | $5 | $0 |
| Compound Frequency | Monthly | Daily |
| In-Branch Access | Yes | No |
| Account Type | Online & Branches | Online Only |
| Physical Branches | 5,392 (AL, AR, AZ, CA, CO, CT, DC, DE (+41 more)) | 5 (MA, NJ, NY, UT) |
| Direct Deposit Req. | None | None |
| Checking Bundle | No | No |
| Mobile Apps | ||
| FDIC or NCUA Insured | YesVerify FDIC | YesVerify FDIC |
| Zelle® Support | Available Limit: $2,000/dayBranded as Chase QuickPay; dynamic limits up to $10k. | Not Supported |
| BBB Rating | A- | Not Rated |
| Important Notes | APY may vary by market. The maintenance fee may be waived under some circumstances, such as if the account balance is maintained with at least $300 each day, or you set up automatic transfers from a linked Chase account, etc. | - |
| Next Steps | Visit SiteVerify at Chase Bank 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 | Chase Bank | Marcus by Goldman Sachs |
|---|---|---|
| Chase Savings℠ | Marcus Online Savings Account | |
Current APY | 0.01% | 3.40% |
Trend | Stable | Stable |
Speed of change | 0.00 | -0.01 |
Days Since Change | 361 | 93 |
12-Month High | 0.01% | 3.65% |
12-Month Low | 0.01% | 3.40% |
Changes per month | 0.00 | 0.16 |
Steadiness | 0.000 | 0.009 |
How to read these metrics(Click to expand)
Trends and speed
- Trend: The general direction of the rate over the analyzed period. Useful for seeing whether a bank is raising its rate or letting it slip.
- Speed of change: How fast the rate moves. A high positive number means they raise rates quickly. A reading of 0.10 is a tenth of a percentage point each month.
- Changes per month: How often the rate moves. A high number means it changes constantly; a low number means it holds.
Risk & Range
- High/Low: The absolute ceiling and floor of the rate during the 364-day window.
- Steadiness: How far the rate swings around its average. A lower score means a steadier, more predictable rate.
- Days Since Change: A high number, for example above 90, means the rate rarely moves. A low number means it changed recently.
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High Rates (With Checking Bundle)
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More Comparisons
Compare Chase Bank's APY of 0.01% with other banks
| Bank Pair | Competitor APY | Min Deposit |
|---|---|---|
| Chase Bank vs Ally Bank | 3.00% | $0 |
| Chase Bank vs American Express | 3.00% | $0 |
| Chase Bank vs Axos Bank | 4.21% | $0 |
| Chase Bank vs Barclays | 3.65% | $0 |
| Chase Bank vs Capital One | 3.50% | $0 |
| Chase Bank vs Chime | 3.75% | $0 |
| Chase Bank vs CIT Bank | 3.75% | $100 |
| Chase Bank vs EverBank | 3.90% | $0 |
| Chase Bank vs Newtek Bank | 4.20% | $100 |
| Chase Bank vs Openbank | 3.80% | $500 |
| Chase Bank vs Pibank | 4.10% | $0 |
| Chase Bank vs SoFi Bank | 4.00% | $0 |
| Chase Bank vs Synchrony Bank | 3.30% | $0 |
| Chase Bank vs Varo Bank | 3.75% | $0 |
| Chase Bank vs Wealthfront | 3.95% | $0 |