Citizens Access™ vs. Marcus by Goldman Sachs
Citizens Access™'s Citizens Access® Savings pays 2.80% 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 $60 more than Citizens Access™ annually ($340 vs $280).
Choose Marcus by Goldman Sachs if getting the best rate matters most.
| Metric | Citizens Access™Citizens Access® Savings Sep 2, 2026 | Marcus by Goldman SachsMarcus Online Savings Account Sep 5, 2026 |
|---|---|---|
| APY | 2.80% | 3.40% |
Earns in a year | $5,000+$140 $10,000+$280 $25,000+$700 | $5,000+$170 $10,000+$340 $25,000+$850 |
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 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 Citizens Access™ vs. Marcus by Goldman Sachs
Executive Summary
Marcus by Goldman Sachs offers a competitive APY of 3.40% on its Marcus Online Savings Account, making it the winner in this comparison. This account is online-only, requires no minimum deposit or balance, and has no maintenance fees, providing a straightforward savings option. In contrast, Citizens Access™ features a slightly lower APY of 2.80% on its Citizens Access® Savings account, which is also online-only and has a minimum deposit requirement of $1. Both accounts are FDIC insured and available nationally, but Marcus stands out for its higher yield and simplicity.
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 (3.40% vs 2.80%) 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 $280/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 $700/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 $60 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 $60 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+$280.00(2.7%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,280.00
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 $275 a year in interest.
Both Citizens Access™ and Marcus by Goldman Sachs advertise far more than that typical branch-bank rate.
| Feature | Citizens Access™ | Marcus by Goldman Sachs |
|---|---|---|
| APY | 2.80% Observed: 9/2/2026 0.20%90-day change | 3.40% Observed: 9/5/2026 Stable over 90 days |
| 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 |
| In-Branch Access | No | No |
| Account Type | Online Only | Online Only |
| Physical Branches | Not reported | 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 | Not Supported | Not Supported |
| BBB Rating | A+ | Not Rated |
| 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 | 2.80% | 3.40% |
Trend | Stable | Stable |
Speed of change | -0.08 | -0.01 |
Days Since Change | 35 | 94 |
12-Month High | 3.50% | 3.65% |
12-Month Low | 2.80% | 3.40% |
Changes per month | 0.33 | 0.17 |
Steadiness | 0.049 | 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 362-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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More Comparisons
Compare Citizens Access™'s APY of 2.80% with other banks
| Bank Pair | Competitor APY | Min Deposit |
|---|---|---|
| Citizens Access™ vs Ally Bank | 3.00% | $0 |
| Citizens Access™ vs American Express | 3.00% | $0 |
| Citizens Access™ vs Axos Bank | 4.21% | $0 |
| Citizens Access™ vs Barclays | 3.65% | $0 |
| Citizens Access™ vs Capital One | 3.50% | $0 |
| Citizens Access™ vs Chime | 3.75% | $0 |
| Citizens Access™ vs CIT Bank | 3.75% | $100 |
| Citizens Access™ vs EverBank | 3.90% | $0 |
| Citizens Access™ vs Newtek Bank | 4.20% | $100 |
| Citizens Access™ vs Openbank | 3.80% | $500 |
| Citizens Access™ vs Pibank | 4.10% | $0 |
| Citizens Access™ vs SoFi Bank | 4.00% | $0 |
| Citizens Access™ vs Synchrony Bank | 3.30% | $0 |
| Citizens Access™ vs Varo Bank | 3.75% | $0 |
| Citizens Access™ vs Wealthfront | 3.95% | $0 |