Marcus by Goldman Sachs Promotions
Read our in-depth review of Marcus.
High Yield CD
| CD Term | APY |
|---|---|
| 6 Months | 4.10% |
| 9 Months | 4.15% |
| 12 Months | 4.25% |
| 18 Months | 3.90% |
| 2 Years | 3.70% |
| 3 Years | 3.65% |
| 4 Years | 3.65% |
| 5 Years | 3.65% |
| 6 Years | 3.65% |
No-Penalty CD
- Minimum of $500 to earn interest
- Full balance can be withdrawn starting 7 days after funding the account
| Term | APY |
|---|---|
| 7-month | 4.00% |
| 11-month | 4.00% |
| 13-month | 4.00% |
Compare Promotions
High-Yield Savings Premier - 4.46% APY
- No account activity or maintenance fees
- $500 minimum opening deposit
- FDIC insured
12-Month No-Penalty CD - 4.25% APY
- $1 minimum deposit
- 24/7 online access
- Federally insured by NCUA
CIT Bank Platinum Savings - 4.35% APY
- 4.35% APY with a balance of $5,000 or more
- 0.25% APY with a balance of less than $5,000
- $100 minimum opening deposit
- No monthly maintenance fee
- Member FDIC
Discover® Online Savings - $200 Cash Bonus
To qualify for Bonus: Apply for your first Discover Online Savings Account, enter Offer Code CY924 at application, deposit into your Account a total of at least $15,000 to earn a $150 Bonus or deposit a total of at least $25,000 to earn a $200 Bonus. Qualifying deposit(s) may consist of multiple deposits and must post to Account within 45 days of account open date. Maximum bonus eligibility is $200.
What to know: Offer not valid for existing or prior Discover savings customers, including co-branded, or affinity accounts. Eligibility is based on primary account owner. Account must be open when bonus is credited. Bonus will be credited to the account within 60 days of the account qualifying for the bonus. Bonus is subject to tax reporting. Offer ends 03/13/2025, 11:59 PM ET. Offer may be modified or withdrawn without notice. Due to new customer funding limits, you may wish to initiate fund transfers at your other institution. For information on funding your Account, see FAQs on Discover.com/Bank. See advertiser website for full details.
Bank of America Advantage Banking - $300 Bonus Offer
- The $300 bonus offer is an online only offer and must be opened through the Bank of America promotional page.
- The offer is for new checking customers only.
- Offer expires 01/31/2025.
- To qualify, open a new eligible Bank of America Advantage Banking account through the promotional page and set up and receive Qualifying Direct Deposits* totaling $2,000 or more into that new eligible account within 90 days of account opening. Bank of America Advantage SafeBalance Banking® for Family Banking accounts are not eligible for this offer.
- Once all requirements are met, Bank of America will attempt to pay bonus within 60 days.
- Additional terms and conditions apply. See offer page for more details.
- *A Qualifying Direct Deposit is a direct deposit of regular monthly income – such as your salary, pension or Social Security benefits, which are made by your employer or other payer – using account and routing numbers that you provide to them.
- Bank of America, N.A. Member FDIC.
About Marcus by Goldman Sachs
Marcus is the online bank offered by the investment giant, Goldman Sachs. It offers savings products with very competitive rates and no minimum deposit and no services fees.
Marcus by Goldman Sachs offers online savings and CDs. There are no maintenance fees on any of the deposit accounts.
What to Open at Marcus
- Online Savings Account. Marcus offers a high competitive rate on their online savings account. There is no minimum to open or to earn the stated APY. There are no service fees.
- Term CDs. The 12-month term CD offers one of the best rates on the market. Longer terms offer higher APYs. The minimum to open is $500. But you can continue to add funds into it for 30 days after account opening.
- No-Penalty CD. If you're not sure about tying up your funds, Marcus offers a 13-month no-penalty CD with an excellent rate. You get the flexibility to withdraw your balance and interest earned without being penalized. The minimum to open is $500.
What You Need to Know About Marcus
In exchange for high rates, Marcus does away with a lot of features. Note that there are:
- No mobile deposits. If you want to make a deposit, you'll have to do so either by mail or by depositing into an external account and then make a transfer online.
- No checking accounts
- No ATM card or ATM network
- No physical branches
- No mobile app
Highlights
3.90% APY. $0 to open. No fees to open or maintain account. No minimum daily balance requirement.
3.65% to 4.25% APY. Terms of 6 months to 6 years. 12-month CD APY of 4.25%. $500 minimum to open. No monthly service fee.
N/A
iOS & Android
None
Online only
Information including rates, fees, terms, and benefits was obtained on December 12, 2024 from published websites and is believed to be accurate, but not guaranteed.
Marcus by Goldman Sachs | Ally Bank | |
|---|---|---|
Benefits and Features | ||
| Savings | 3.90% APY. $0 to open. No fees to open or maintain account. No minimum daily balance requirement. | |
| CD | 3.65% to 4.25% APY. Terms of 6 months to 6 years. 12-month CD APY of 4.25%. $500 minimum to open. No monthly service fee. | 2.90% to 4.10% APY. Terms of 3 months to 5 years. 12-month CD APY of 3.90% |
| Checking | 0.10% APY for daily balances less than $15,000. 0.25% APY for daily balances over $15,000 | |
| Money Market | ||
| Mobile App | ||
| ATMs | 75,000+ no-fee Allpoint and MoneyPass ATMs | |
| Customer Service | Mon - Sat: 8 am - 10 pm ET Sat - Sun: 9 am - 7 pm ET | |
| Locations | ||
Marcus: Information including rates, fees, terms, and benefits was obtained on December 12, 2024 from published websites and is believed to be accurate, but not guaranteed. Ally Bank: Pricing information from published website as of 12/10/2024. | ||
4-Year High-Yield CD - 3.65% APY
Marcus Alternatives
CIT Bank Savings Connect - 4.00% APY
- Earn 9x the national average
- $100 minimum opening deposit
- No monthly maintenance fee
- Member FDIC
Discover® Online Savings - $150 Cash Bonus
To qualify for Bonus: Apply for your first Discover Online Savings Account, enter Offer Code CY924 at application, deposit into your Account a total of at least $15,000 to earn a $150 Bonus or deposit a total of at least $25,000 to earn a $200 Bonus. Qualifying deposit(s) may consist of multiple deposits and must post to Account within 45 days of account open date. Maximum bonus eligibility is $200.
What to know: Offer not valid for existing or prior Discover savings customers, including co-branded, or affinity accounts. Eligibility is based on primary account owner. Account must be open when bonus is credited. Bonus will be credited to the account within 60 days of the account qualifying for the bonus. Bonus is subject to tax reporting. Offer ends 03/13/2025, 11:59 PM ET. Offer may be modified or withdrawn without notice. Due to new customer funding limits, you may wish to initiate fund transfers at your other institution. For information on funding your Account, see FAQs on Discover.com/Bank. See advertiser website for full details.
Bank of America® Business Advantage Banking Checking Account - $200 Bonus Offer
- The $200 bonus offer is an online only offer and must be opened through the Bank of America promotional page.
- The offer is for new eligible business checking customers only.
- Offer expires 12/31/2025.
- To qualify, deposit $5,000 or more in New Money* directly into a new eligible Bank of America Business Advantage Banking account within thirty (30) days of account opening.
- Maintain an average balance of $5,000 in that new Business Advantage Banking account during the Maintenance Period**.
- Once all requirements are met, Bank of America will attempt to pay bonus within 60 days.
- Additional terms and conditions apply. See offer page for more details.
- *New Money is new funds deposited into your business checking account that are not transfers from other Bank of America deposit accounts or
Merrill investment accounts.
- ** The Maintenance Period begins thirty-one (31) calendar days after account opening and ends ninety (90) calendar days after account opening.
- Bank of America, N.A. Member FDIC
Chase Total Checking® - $300 Bonus
- New Chase checking customers enjoy a $300 bonus when you open a Chase Total Checking® account with qualifying activities
- With over 4,700 branches, Chase has the largest branch network in the U.S. plus access to more than 15,000 ATMs.
- Chase Mobile® app - Manage your accounts, deposit checks, transfer money and more -- all from your device.
- JPMorgan Chase Bank, N.A. Member FDIC
- Open your account online now
- Available online nationwide except in Alaska, Hawaii and Puerto Rico. For branch locations, visit locator.chase.com.
- Chase Overdraft Assist℠ - no overdraft fees if you're overdrawn by $50 or less at the end of the business day or if you're overdrawn by more than $50 and bring your account balance to overdrawn by $50 or less at the end of the next business day*
U.S. Bank Smartly® Checking - Up to $450 Bonus
Earn up to $450 with a new Bank Smartly Checking account. Complete the following within 90 days of account opening:
- Enroll in online banking or the U.S. Bank Mobile App
- Make two or more direct deposits(s) totaling $2,000 to $4,999.99 to earn $250, $5,000 to $7,999.99 to earn $350 or $8,000 or more to earn $450.
Fund your new account within 30 days to start qualifying activities. Offer may not be available if you are an existing U.S. Bank customer or live outside of the U.S. Bank footprint.
Articles on Marcus by Goldman Sachs
GS Bank Review
Marcus by Goldman Sachs High Yield Savings Review
Marcus CD Rates
Recent Mentions
Best Savings Accounts for College Students
Largest Banks in the US
Online Budgeting Tools
Best High Yield Savings Accounts
Best Online Bank
Best CD Rates
More Bank Promotions
Ally Bank Promotions
Synchrony Bank Promotions
CIT Bank Promotions
