Marcus by Goldman Sachs Savings
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- Finance
4.40% APY (May 2026), no minimum balance, no fees. FDIC-insured up to $250K. Owned by Goldman Sachs, US-only.
★ Best Pick🏆 Best overall
Refer-a-friend gives an extra 1% APY for 90 days — ask a friend for a link.
Marcus by Goldman Sachs Savings is the no-frills answer. 4.40% APY, no minimum, no fees, FDIC-insured. Owned by Goldman Sachs, US-only. Best if you want a savings account that just works and doesn't require monitoring qualifying activities.
Pros
- 4.40% APY with no qualifying conditions
- Goldman Sachs balance sheet
Cons
- No checking or debit features
Marcus Saving Review: Best High Yield Bank Account?
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