VaultRubric's sourced facts on Marcus by Goldman Sachs (as of 2026-10-10): standard APY 3.5% (source), ranked #8 of 18 accounts with a numeric standard APY in our data; $0 minimum to earn APY; $0 monthly fee; deposits FDIC; Goldman Sachs Bank USA, Salt Lake City Branch (cert 33124 per third party) up to $250,000; overall score 90.6% with 100% data coverage. This is a facts summary, not a recommendation to open an account.
Data as of · Last updated · By VaultRubric Research · How we score · Not investment advice.
VaultRubric's sourced facts on Marcus by Goldman Sachs (as of 2026-10-10): standard APY 3.5% (source), ranked #8 of 18 accounts with a numeric standard APY in our data; $0 minimum to earn APY; $0 monthly fee; deposits FDIC; Goldman Sachs Bank USA, Salt Lake City Branch (cert 33124 per third party) up to $250,000; overall score 90.6% with 100% data coverage. This is a facts summary, not a recommendation to open an account.
This page answers “Is Marcus by Goldman Sachs a good savings account?” using only data/finance_seed.json and VaultRubric's scored comparison (equal weights), as of 2026-10-12. “Good” here means how Marcus compares on sourced APY, fees, minimums, FDIC insurance and regulatory record — not personalized advice. Rates change; verify on the bank’s site.
| Fact | Value | As of / source |
|---|---|---|
| Standard APY | 3.5% | 2026-10-10 · official |
| Min balance for APY | $0 | 2026-10-10 |
| Monthly fee | $0 | 2026-10-10 |
| Deposit insurance | FDIC; Goldman Sachs Bank USA, Salt Lake City Branch (cert 33124 per third party) (up to $250,000) | 2026-10-10 |
| Regulatory actions (5y) | 1 in the last 5 years on record, most recent 2024-10-23 CFPB: Goldman Sachs Bank USA consent order (Apple Card): $45M penalty + ≥$19.8M redress; order terminated 2025-09-22 | 2026-10-11 |
| VaultRubric score | 90.6% (coverage 100%) | methodology |
Checked 2026-10-11: CFPB, Federal Reserve, FDIC, OCC. No newer actions found; Federal Reserve terminated a 2020 Goldman Sachs Group order in Dec 2025.
Highest standard APY in our numeric set as of the dates on each row: EverBank at 4.2%. Marcus is at 3.5% (#8 of 18). Full APY table: highest APY savings account.
Rates are variable. VaultRubric reports sourced facts and scores; it does not recommend opening or closing any account. Confirm APY, fees and terms on Marcus’s official page before acting.
Marcus by Goldman Sachs: 3.5% standard APY as of 2026-10-10, $0 min and $0 monthly fee in our data, FDIC-insured via Goldman Sachs Bank USA up to $250,000, VaultRubric score 90.6% (100% coverage), 1 regulatory action(s) on record in 5 years. Facts only — not a recommendation.
In our sourced data, Marcus’s standard APY is 3.5% as of 2026-10-10 (https://www.marcus.com/us/en/savings/high-yield-savings). Rates change; verify on the bank’s site.
FDIC; Goldman Sachs Bank USA, Salt Lake City Branch (cert 33124 per third party), up to $250,000 per depositor per ownership category.
Marcus scores 90.6% across high-yield savings options we track, with 100% data coverage (APY, minimums, fees, insurance, regulatory record). See /methodology and /compare/best-high-yield-savings-accounts.