Marcus by Goldman Sachs vs. TD Bank
Marcus by Goldman Sachs's Marcus Online Savings Account pays 3.40% APY while TD Bank's TD Signature Savings pays 2.50% 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 $339 more than TD Bank annually ($340 vs $1).
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.
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 Aug 21, 2026 | TD BankTD Signature Savings Aug 21, 2026 |
|---|---|---|
| APY | 3.40% | 0.01% - 2.50% |
Est. Earnings | $5,000+$170 $10,000+$340 $25,000+$850 | $5,000+$1 $10,000+$1 $25,000+$3 |
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. The stated APY is available when you link an eligible TD account and have a minimum balance of $100,000. |
| Features | FDIC InsuredNo MinimumsGreat iOS AppGreat Android AppDaily CompoundingStable Rate | FDIC InsuredHigh MinimumGreat iOS AppGreat Android AppIn-Person AccessChecking Bundle |
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 Marcus by Goldman Sachs vs. TD Bank
Executive Summary
A detailed summary for this comparison is being prepared. Check back soon.
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 (3.40% vs 2.50%) 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)
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).
Best 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 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 $335 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+$340.00(3.3%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,340.00
TD Bank
TD Signature Savings
Higher APY requires $100,000
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 | 3.40% Verified: 8/21/2026 - | 2.50% Range: 0.01% - 2.50% Verified: 8/21/2026 - |
| 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. |
| Compound Frequency | Daily | Monthly |
| In-Branch Access | No | 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 or NCUA Insured | YesVerify FDIC | YesVerify FDIC |
| Zelle® Support | Not Supported | Not Supported |
| 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. The stated APY is available when you link an eligible TD account and have a minimum balance of $100,000. |
| 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
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Compare Marcus by Goldman Sachs' APY of 3.40% with other banks
Compare TD Bank's APY of 2.50% with other banks
| Bank Pair | Competitor APY | Min Deposit |
|---|---|---|
| TD Bank vs Ally Bank | 3.00% | $0 |
| TD Bank vs American Express | 3.00% | $0 |
| TD Bank vs Axos Bank | 4.21% | $0 |
| TD Bank vs Barclays | 3.65% | $0 |
| TD Bank vs Capital One | 3.50% | $0 |
| TD Bank vs Chime | 3.75% | $0 |
| TD Bank vs CIT Bank | 3.75% | $100 |
| TD Bank vs EverBank | 3.90% | $0 |
| TD Bank vs Newtek Bank | 4.20% | $100 |
| TD Bank vs Openbank | 3.80% | $500 |
| TD Bank vs Pibank | 4.10% | $0 |
| TD Bank vs SoFi Bank | 3.80% | $0 |
| TD Bank vs Synchrony Bank | 3.30% | $0 |
| TD Bank vs Varo Bank | 3.75% | $0 |
| TD Bank vs Wealthfront | 3.95% | $0 |