Marcus by Goldman Sachs vs. TD Bank
Marcus by Goldman Sachs's Marcus Online Savings Account advertises 3.50% APY.
TD Bank's TD Signature Savings advertises up to 2.50% APY. The 2.50% needs a balance of at least $10,000. Below that, the account advertises 0.01%. On a $10,000 balance the account earns 0.01% overall, about $1 in a year.
See how they compare on rate stability, mobile app ratings, and more below.
The Bottom Line
On a $10,000 balance, Marcus by Goldman Sachs's Marcus Online Savings Account earns about $349 more in a year than TD Bank's TD Signature Savings: $350 against $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's TD Signature Savings advertises its top rate only if you also open a checking account with TD Bank, while Marcus by Goldman Sachs's Marcus Online Savings Account stands alone.
| Metric | Marcus by Goldman SachsMarcus Online Savings Account Oct 5, 2026 | TD BankTD Signature Savings Oct 5, 2026 |
|---|---|---|
| APY | 3.50% | Up to2.50%Needs at least $10,000 |
Earns in a year | $5,000+$175 $10,000+$350 $25,000+$875 | $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 4.36% APY.
Comparison Analysis
Comparing Marcus by Goldman Sachs vs. TD Bank
Executive Summary
Marcus by Goldman Sachs last changed its rate on September 18, 2026, up 10 basis points; TD Bank has not changed since at least February 6, 2026. Marcus paid 3.6% on average on savings and money market deposits. Its savings account offers a standard rate of 3.5%. TD Bank's savings account offers a standard rate of 0.05%. At a balance of $10,000, Marcus leads with a rate of 3.5%, while TD Bank offers 0.05%.
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 (3.50% vs 2.50%) on all balances
- No checking account or direct deposit required
- Higher rated Android app (4.9 vs 4.2)
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. $350 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. $875 vs $3/yr).
Better for Simplicity
Marcus by Goldman SachsMarcus by Goldman Sachs's Marcus Online Savings Account offers 3.50% 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 $349 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 $345 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+$350.00(3.4%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,350.00
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 | 3.50% Observed: 10/5/2026 0.10%90-day change | 2.50% Range: 0.01% - 2.50% Observed: 10/5/2026 Stable over 90 days |
| 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 |
| Branches | None | Yes |
| Physical Branches | 5 (MA, NJ, NY, UT) | 1,051 (CT, DC, DE, FL, MA, MD, ME, NC (+8 more)) |
| 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 |
What each bank pays on deposits
An advertised rate tells you what a new savings account earns today. It cannot tell you how the bank has priced the savings and money market deposits it already holds, over time. This section shows that. The figure is computed from the interest expense and deposit balances that every bank files with the FDIC in the same form. That is what makes it comparable across banks and across quarters.
Marcus by Goldman Sachs
The two figures answer different questions, so they sit side by side and are not combined.
In Q2 2026, Goldman Sachs Bank USA paid a higher average rate on savings and money market deposits than 99% of banks that reported a figure (FDIC call report). The all-bank median was 1.45%.
Each figure is that bank's own charter-level average across its whole deposit book, so the two are shown one after the other and are not a ranking.
TD Bank
The two figures answer different questions, so they sit side by side and are not combined. The 2.50% needs a balance of at least $10,000. Below that, the account advertises 0.01%.
In Q2 2026, TD Bank paid a higher average rate on savings and money market deposits than 50% of banks that reported a figure (FDIC call report). The all-bank median was 1.45%.
How to read these figures
What the average covers. It is an average across the whole bank, taken from its own quarterly FDIC call report. It covers savings accounts and money market deposit accounts, personal and business, at every balance tier. It also covers accounts that were opened years ago and keep the rate of those years. The FDIC line does not separate consumer accounts.
The second figure. The scale row also shows the average across all interest-bearing deposits: savings, interest checking, money market accounts, CDs, personal and business. That figure covers the whole deposit book. The two are shown separately and are not combined.
What the advertised rate covers. It is the rate that this bank advertises now for a new savings account. Banksparency records it from the bank's website on the date shown beside it.
Why the two differ. They measure different things, so this page shows them side by side and keeps them apart. An advertised rate applies to one account, opened now, at today's price. The average also includes older savings balances at the rates of earlier years, money market balances that were priced in a different rate environment, and business accounts. An average below an advertised rate is the usual result of that arithmetic. On its own it is not evidence about the account that you would open.
What the average is useful for. The bank files the data itself, under reporting instructions that are the same for every filer, and the same computation runs for every bank on this site. That makes it comparable in a way that an advertisement is not. Two things on this page read it: the percentile, which shows where the quarter sits among all filers, and the chart, which shows the direction the figure has moved across quarters.
What the average cannot tell you. It cannot tell you the rate that you would earn. No single customer earns the average. For your rate, read the advertised rate above and the rate tables on this page, each with the date it was observed.
What to do next. Use the advertised rate to work out what a new account earns. Use the chart to see how the quarterly average has moved against the all-bank median. Then compare the advertised rate against the current rates on the savings-rate tables before you open an account.
Definitions: Call Report · Rate Paid on Deposits · Interest-Bearing Deposits · Front Book and Back Book · Deposit Rate Percentile
Average annualized rates paid on savings and money market deposits, and on all interest-bearing deposits, quarterly. The FDIC line for savings includes money market deposit accounts and business savings deposits and does not separate consumer accounts. Source: FDIC call report data, as reported; it may be amended. The percentile compares all FDIC filers, count-weighted. A missing quarter is suppressed, never interpolated. The percentile counts the banks that paid strictly less on savings and money market deposits, one vote per bank, among the banks that reported a figure for the quarter.
CD rates, term by term
Marcus by Goldman Sachs lists CDs on Banksparency at 6, 7, 9, 11, 12, 13, 18, 20, 24, 36, 48, 60 and 72 months. TD Bank lists CDs at 3, 6, 9, 10, 12, 18, 24, 36 and 60 months. Each row below is one term, with the best rate each bank advertises for it.
| Term | Marcus by Goldman Sachs APY | TD Bank APY | FDIC average (Sep 2026) |
|---|---|---|---|
| 12 months | 4.40% APY$500 minimum | 4.15% APY$250 minimum | 1.73% |
| 3 months | Not listed here | 2.00% APY$250 minimum | 1.13% |
| 6 months | 3.95% APY$500 minimum | 2.00% APY$250 minimum | 1.41% |
| 7 months | 3.75% APY$500 minimum | Not listed here | 1.41%6-month average |
| 9 months | 4.30% APY$500 minimum | 3.51% APY$250 minimum | |
| 10 months | Not listed here | 2.00% APY$250 minimum | |
| 11 months | 4.00% APY$500 minimum | Not listed here | 1.73%12-month average |
| 13 months | 3.80% APY$500 minimum | Not listed here | 1.73%12-month average |
| 18 months | 4.40% APY$500 minimum | 4.25% APY$250 minimum | |
| 20 months | 4.35% APY$500 minimum | Not listed here | |
| 24 months | 4.40% APY$500 minimum | 4.30% APY$250 minimum | 1.61% |
| 36 months | 4.40% APY$500 minimum | 2.00% APY$250 minimum | 1.36% |
| 48 months | 4.40% APY$500 minimum | Not listed here | 1.28% |
| 60 months | 4.40% APY$500 minimum | 2.00% APY$250 minimum | 1.38% |
| 72 months | 4.40% APY$500 minimum | Not listed here |
Compare Savings Rates Over Time
Historical Performance
| Metric | Marcus by Goldman Sachs |
|---|---|
| Marcus Online Savings Account | |
Current APY | 3.50% |
Trend | Stable |
Speed of change | 0.01 |
Days Since Change | 17 |
8-Month High | 3.50% |
8-Month Low | 3.40% |
Changes per month | 0.25 |
Steadiness | 0.012 |
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 241-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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Compare Marcus by Goldman Sachs' APY of 3.50% 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 | 3.10% | $0 |
| TD Bank vs American Express | 3.10% | $0 |
| TD Bank vs Axos Bank | 4.21% | $0 |
| TD Bank vs Barclays | 3.65% | $0 |
| TD Bank vs Capital One | 3.10% | $0 |
| TD Bank vs Chime | 3.75% | $0 |
| TD Bank vs CIT Bank | 3.75% | $100 |
| TD Bank vs EverBank | 4.20% | $0 |
| TD Bank vs Newtek Bank | 4.20% | $100 |
| TD Bank vs Openbank | 4.15% | $500 |
| TD Bank vs Pibank | 4.25% | $0 |
| TD Bank vs SoFi Bank | 4.20% | $0 |
| TD Bank vs Synchrony Bank | 3.55% | $0 |
| TD Bank vs Varo Bank | 3.75% | $0 |
| TD Bank vs Wealthfront | 4.20% | $0 |