Chime vs. Marcus by Goldman Sachs
Chime's Chime High-Yield Savings Account pays 3.75% APY while Marcus by Goldman Sachs's Marcus Online Savings Account pays 3.40% APY.
Note: Chime's Chime High-Yield Savings Account also needs 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? Chime pays $35 more than Marcus by Goldman Sachs annually ($375 vs $340).
Choose Chime if getting the best rate matters most. Choose Marcus by Goldman Sachs if you want a no-strings-attached account.
Important Considerations
Chime's Chime High-Yield Savings Account pays its top rate only if you also open a checking account with Chime, while Marcus by Goldman Sachs's Marcus Online Savings Account stands alone.
| Metric | ChimeChime High-Yield Savings Account Sep 11, 2026 | Marcus by Goldman SachsMarcus Online Savings Account Sep 11, 2026 |
|---|---|---|
| APY | 3.75% | 3.40% |
Earns in a year | $5,000+$188 $10,000+$375 $25,000+$938 | $5,000+$170 $10,000+$340 $25,000+$850 |
Min. Deposit | $0 | $0 |
Snapshot view. Rates subject to change. | ||
| Features | FDIC InsuredNo MinimumsGreat iOS AppGreat Android AppDirect Deposit ReqChecking BundleDaily Compounding | 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 Chime vs. Marcus by Goldman Sachs
Executive Summary
Chime offers a competitive Chime High-Yield Savings Account with an APY of 3.75%, which is higher than Marcus by Goldman Sachs's Marcus Online Savings Account, which provides an APY of 3.40%. Chime's account requires a checking account and direct deposit, making it suitable for those looking for an all-in-one banking solution. In contrast, Marcus's account does not require direct deposit and is simpler to open, appealing to those who prefer fewer conditions. Both accounts are online-only and have no maintenance fees.
The analysis is based on current Banksparency database records
* This content is provided for informational purposes only; always verify details with the provider.
Why Chime?
- Higher potential APY (3.75% vs 3.40%) on all balances
Why Marcus by Goldman Sachs?
- No checking account or direct deposit required
Key Feature Differences
Better Returns at $10,000
ChimeChime's Chime High-Yield Savings Account earns more on smaller deposits (approx. $375 vs $340/yr).
Better Returns at $25,000
ChimeChime's Chime High-Yield Savings Account pulls ahead with larger amounts (approx. $938 vs $850/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.
Better for All-in-One Banking
ChimeChime's Chime High-Yield Savings Account pays a superior APY for customers who also open a checking account.
Shared Benefits
Over a 1-year period, Chime's Chime High-Yield Savings Account pays $35 more interest on a $10,000 balance than Marcus by Goldman Sachs's Marcus Online Savings Account.
*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
Chime vs. Marcus by Goldman Sachs Savings Calculator
You earn $35 more with Chime than Marcus by Goldman Sachs 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.
Chime
Chime High-Yield Savings Account
Savings Breakdown
- Interest Earned+$375.00(3.6%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,375.00
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.
Still at a large branch bank?
A typical branch-bank savings rate is 0.05% APY. On a $10,000 balance, the gap to these two banks is at least $335 a year in interest.
Both Chime and Marcus by Goldman Sachs advertise far more than that typical branch-bank rate.
| Feature | Chime | Marcus by Goldman Sachs |
|---|---|---|
| APY | 3.75% Observed: 9/11/2026 Stable over 90 days | 3.40% Observed: 9/11/2026 Stable over 90 days |
| Product Name | Chime High-Yield Savings Account | Marcus Online Savings Account |
| Minimum Deposit | $0 | $0 |
| Min. Balance for APY | $0.01 | $0 |
| Monthly Fee | $0 | $0 |
| Compound Frequency | Daily | Daily |
| In-Branch Access | No | No |
| Account Type | Online Only | Online Only |
| Physical Branches | Not reported | 5 (MA, NJ, NY, UT) |
| Direct Deposit Req. | Required | None |
| Checking Bundle | Yes | No |
| Mobile Apps | ||
| FDIC or NCUA Insured | Yes | YesVerify FDIC |
| Zelle® Support | Not Supported | Not Supported |
| BBB Rating | A+ | Not Rated |
| Next Steps | Visit SiteVerify at Chime Non-sponsored link to official site | Visit SiteVerify at Marcus by Goldman Sachs Non-sponsored link to official site |
Compare Savings Rates Over Time
Compare Similar Alternatives
Compare Chime vs...
Comparing against other Bundled Accounts
Compare Marcus by Goldman Sachs vs...
Comparing against Standard Savings