Savings rate record
Marcus by Goldman Sachs Online Savings
3.50% APY as of October 12, 2026 with no minimum deposit and no fees. Referrals add a 1.00% APY boost for 3 months for both parties.
Current APY
3.50%
Minimum
None
Source check
2026-10-12
Savings Rate History
Rate observations are appended here. Older APYs remain visible after the bank changes its current rate.
Annual percentage yield
| Observed | APY | Evidence |
|---|---|---|
| 2026-10-12 | 3.50% | Marcus Online Savings page →Standard Online Savings APY as of October 12, 2026; 1.00% referral boost for 3 months is separate |
| 2026-06-09 | 3.75% | Archive record · no attached snapshotLegacy snapshot; no event-level evidence attached |
Primary-source verification log
Append-only evidence ledger- unavailable
Official page serves a bot challenge to automated and headless requests; record left unchanged
Marcus Online Savings page → - changed
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
Fields: apy
Marcus Online Savings page →