{"account":{"slug":"marcus-online-savings","bank":"Marcus by Goldman Sachs","name":"High-Yield Online Savings"},"status":"recent","lastVerified":"2026-11-02","officialSource":"https://www.marcus.com/us/en/savings/high-yield-savings","history":[{"date":"2026-10-23","apy":"3.50% variable APY, rate checked October 23, 2026","monthlyFee":"$0","minimumOpen":"None","atm":"No ATM or debit-card access; use electronic transfers or other supported withdrawal methods","note":"Scoped review reconfirmed base APY and referral terms, distinguished transfer processing from funds availability, and removed unsupported historical rate-superiority claims. Full-record date remains October 5.","sourceUrl":"https://www.marcus.com/us/en/savings/high-yield-savings","sourceLabel":"Official savings product and supporting help pages"},{"apy":"3.50% variable APY, rate checked October 23, 2026","monthlyFee":"$0","minimumOpen":"None","date":"2026-10-23","note":"Removed a cross-bank earnings example that relied on an outdated Ally APY; Marcus base rate remains 3.50%. Full-record date retained.","sourceUrl":"https://www.marcus.com/us/en/savings/high-yield-savings","sourceLabel":"Official product terms reviewed October 23, 2026"},{"apy":"3.50% variable APY, rate checked November 2, 2026","monthlyFee":"$0","minimumOpen":"None","date":"2026-11-02","note":"Freshness-rotation reconfirmation: Marcus's own savings page still shows 3.50% APY. No change to rate or terms.","sourceUrl":"https://www.marcus.com/us/en/savings/high-yield-savings","sourceLabel":"Marcus Online Savings page, checked November 2, 2026"}],"verificationEvents":[{"id":"01fef8fd-307c-41be-a7fe-a4ca37927256","entityType":"bank-account","slug":"marcus-online-savings","checkedAt":"2026-10-23T19:51:21.562Z","recordedAt":"2026-10-23T19:51:21.563Z","sourceUrl":"https://www.marcus.com/us/en/savings/high-yield-savings","sourceLabel":"Official savings product terms; scoped review","outcome":"changed","summary":"Removed a cross-bank earnings example that relied on an outdated Ally APY; Marcus base rate remains 3.50%. Full-record date retained.","changedFields":["ourTake","termHistory"],"previousHash":"9474f32b71ccce4fe0b11da51d8cbac5082fb826e93d23285bdebb7151a2bf13","recordHash":"9f3492f1fba55b7d496052b388cf933068ba339bd932cf5a5b8cae9af3ccd963"},{"id":"67c98250-f4e5-43e4-aa3a-cf96918207da","entityType":"bank-account","slug":"marcus-online-savings","checkedAt":"2026-10-23T10:14:15.747Z","recordedAt":"2026-10-23T10:14:15.749Z","sourceUrl":"https://www.marcus.com/us/en/faqs","sourceLabel":"Marcus savings product, referral terms and FAQ","outcome":"changed","summary":"Scoped review confirmed 3.50% base APY, referral boost and withdrawal count; distinguished processing from funds availability and removed unsupported comparative claims. Full-record date preserved.","changedFields":["tagline","apy","features","pros","cons","ourTake","termHistory"],"previousHash":"2de23c3e6e022319d1abbc06026022fd6b5fb15d11647296e033e9399c3cb063","recordHash":"3f76b80288d6d4c0e6f627c70e7dab30760a5edfb8cccc9d7ac8d4c90e357344"},{"id":"688cf1d8-c0c0-4b4d-96f8-5a360dd5dd70","entityType":"bank-account","slug":"marcus-online-savings","checkedAt":"2026-10-23T03:27:51.553Z","recordedAt":"2026-10-23T03:27:51.554Z","sourceUrl":"https://www.marcus.com/us/en/banking-with-us/accessing-your-money","sourceLabel":"Marcus transfer timelines and limits","outcome":"confirmed","summary":"General ACH table says 1-3 business days, while product page advertises eligible same-day processing. Comparison explains conditions and receiving-bank availability rather than promising universal same-day access.","changedFields":[],"previousHash":"87580b5ab95bd85bd5a913259d7a04d4dd0835ff8154ee43b0f2624b1d392d6a","recordHash":"1fad8dce526d27046c407c6d2e464d44dd315c39412c596e067bb942a602bdc1"},{"id":"1c54288e-fba5-404d-b265-40dec8a8ae5f","entityType":"bank-account","slug":"marcus-online-savings","checkedAt":"2026-10-23T03:27:51.485Z","recordedAt":"2026-10-23T03:27:51.486Z","sourceUrl":"https://www.marcus.com/us/en/savings/high-yield-savings","sourceLabel":"Marcus official account page","outcome":"changed","summary":"For Amex comparison, confirmed 3.50% variable APY, 24/7 support, fees/minimums and qualified noon-cutoff same-day transfer language. Removed unsupported causal Fed-rate wording; partial check retains overall October 5 verification.","changedFields":["apy","features","atm"],"previousHash":"ce7266c0c36828ff34ec1623a4c745fd58002f534aa818989fa2ab490e05b76b","recordHash":"87580b5ab95bd85bd5a913259d7a04d4dd0835ff8154ee43b0f2624b1d392d6a"}],"methodology":"https://creditcompound.com/how-we-rate#verification"}