Marcus by Goldman Sachs pays 3.40% APY on its Online Savings account, with no minimum balance and no fees. The rate is variable and moves with the market, so check the last-checked date before you rely on it.
Eligibility
Available nationwide
No state restrictions on this offer.
No hard credit pull
Opening this account does not post a hard inquiry.
How to get the Marcus Online Savings rate
- Open a Marcus Online Savings account (no minimum to open).
- Move money in; there is no fee and no minimum balance.
- Interest compounds daily and is credited monthly.
The fine print that matters
- The APY is variable and can change before or after you open the account.
- A referred-rate boost of 1.00% for 3 months is sometimes available through a referral.
Verification and reports
Confirmed against marcus.com on Jul 17, 2026. Based on 0 field reports. Status Limited reports is computed from those reports, never hand-set.
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Sources: marcus.com Online Savings (checked Jul 17, 2026)
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