{"rate":{"slug":"marcus-online-savings","bank":"Marcus by Goldman Sachs","accountName":"Online Savings"},"status":"recent","lastVerified":"2026-10-12","officialSource":"https://www.marcus.com/us/en/savings/high-yield-savings","history":[{"date":"2026-06-09","apy":3.75,"note":"Legacy snapshot; no event-level evidence attached"},{"date":"2026-10-12","apy":3.5,"note":"Standard Online Savings APY as of October 12, 2026; 1.00% referral boost for 3 months is separate","sourceUrl":"https://www.marcus.com/us/en/savings/high-yield-savings","sourceLabel":"Marcus Online Savings page"}],"verificationEvents":[{"id":"6fd4436e-1728-4960-bdb8-a177107cc5bc","entityType":"hysa","slug":"marcus-online-savings","checkedAt":"2026-10-12T00:00:00.000Z","recordedAt":"2026-10-12T13:11:16.585Z","sourceUrl":"https://www.marcus.com/us/en/savings/high-yield-savings","sourceLabel":"Marcus Online Savings page","outcome":"unavailable","summary":"Official page serves a bot challenge to automated and headless requests; record left unchanged","changedFields":[],"previousHash":"47bae29520ca848d62b69995a4542c55dbddf0a5c9af96ade4ba539cfb9b619e","recordHash":"05c7f3d3a704418af883098236dcbdf8e2d9e0f6eed41699b3b5e75e840f1ae2"},{"id":"5c111040-a395-4fa5-8877-54633e583db0","entityType":"hysa","slug":"marcus-online-savings","checkedAt":"2026-10-12T00:00:00.000Z","recordedAt":"2026-10-12T13:32:59.020Z","sourceUrl":"https://www.marcus.com/us/en/savings/high-yield-savings","sourceLabel":"Marcus Online Savings page","outcome":"changed","summary":"Standard APY 3.50% as of 10/12/2026 (was 3.75% on file); no minimum, no fees; 1.00% referral boost for 3 months","changedFields":["apy"],"facts":{"apy":3.5},"previousHash":"050ba84bbf5d5d1e3769469bb609e252ba28a97765a38cb40f5675e46673d2db","recordHash":"f3776615068683d0a4e5a1f7bc7d51cb49620408569a5a6dfc0531a249cbebaf"}],"methodology":"https://creditcompound.com/how-we-rate#verification"}