Marcus by Goldman Sachs vs Citizens Access Savings Account Comparison
Updated October 27, 2026 · Rates from official provider sources
Marcus by Goldman Sachs has the higher savings rate right now.
The APY gap is 0.70%. On a $25,000 balance, that is about $175/year. If the dollar difference is small, choose based on transfer speed, app fit, and whether you want checking in the same place.
Marcus by Goldman Sachs High Yield Savings Account
Marcus by Goldman Sachs
Citizens Access High Yield Savings Account
Citizens Access
Dollar Difference by Balance
| Balance | Marcus by Goldman Sachs | Citizens Access | Difference |
|---|---|---|---|
| $10,000 | $350/yr | $280/yr | $70/yr |
| $25,000 | $875/yr | $700/yr | $175/yr |
| $50,000 | $1,750/yr | $1,400/yr | $350/yr |
| $100,000 | $3,500/yr | $2,800/yr | $700/yr |
Advertising disclosure: As of October 15, 2026, SwitchWize has a Grasshopper Bank partner relationship through Fintel Connect. Compensation never changes organic rankings or comparison calculations. Identified partner links may compensate SwitchWize. Compensation does not affect organic rankings.
Full disclosure →SoFi Checking & Savings
SoFi
Based on your savings balance, this account maximizes your yield with FDIC protection.
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How to read this comparison
The rate table is useful for the math, but it is not the whole decision. Confirm current APY, transfer timing, account availability, minimum balance rules, and any linked-account requirements before opening. Savings rates can change after this page refreshes.
FAQ
Which is better, Marcus by Goldman Sachs or Citizens Access savings?
Marcus by Goldman Sachs High Yield Savings Account currently pays 3.50% APY vs Citizens Access High Yield Savings Account at 2.80% APY — a 0.70% point advantage. On $25,000, that difference is $175 per year.
Are Marcus by Goldman Sachs and Citizens Access savings accounts FDIC insured?
Yes, both accounts are FDIC insured up to $250,000 per depositor.
Can I have accounts at both banks?
Yes. There is no limit to how many savings accounts you can have. Some people use multiple HYSAs for different savings goals.