Marcus by Goldman Sachs earned a slightly higher APY (3.50% vs Ally’s 3.10% on September 29, 2026) and offers a standout no-penalty CD — but Ally is a complete online bank with checking, savings buckets, 24/7 chat, and ATM reimbursement. Your choice depends on whether you want pure savings rate or a full banking ecosystem.
Accuracy note (added September 16, 2026): marcus.com blocked automated verification this session. Marcus’s savings APY on these pages now comes from one data file: 3.50% as reported by Bankrate on September 29, 2026 (CNBC Select listed 3.40% the same day). The site’s pages still disagree on its daily ACH transfer limit ($100,000 vs. $125,000 depending on page), and whether Marcus personal loans are still offered (one page describes them as discontinued in 2023; others describe them as an active current product). Confirm all specific rates, limits, and product availability directly at marcus.com before relying on any figure below.
Marcus vs Ally: Side-by-Side 2026
| Feature | Marcus (Goldman Sachs) | Ally Bank |
|---|---|---|
| HYSA APY | 3.50% | 3.10% |
| Monthly fee | $0 | $0 |
| Minimum balance | $0 | $0 |
| No-penalty CD | ✅ | ✅ |
| Raise Your Rate CD | ❌ | ✅ |
| Standard CDs | ✅ | ✅ |
| Checking account | ❌ | ✅ |
| ATM card/reimbursement | ❌ | ✅ (checking) |
| Savings buckets | ❌ | ✅ |
| 24/7 phone | ❌ | ✅ |
| 24/7 live chat | ❌ | ✅ |
| Mobile app | ✅ | ✅ |
| Parent company | Goldman Sachs | Ally Financial |
| FDIC insured | ✅ | ✅ |
APY: Close, With Marcus Slightly Ahead in September 2026
| Balance | Marcus (3.50%) | Ally (3.10%) | Difference |
|---|---|---|---|
| $10,000 | $350 | $310 | $40 |
| $50,000 | $1,750 | $1,550 | $200 |
| $100,000 | $3,500 | $3,100 | $400 |
On September 29, 2026 Marcus paid 3.50% and Ally 3.10%: on $100,000 that is a $400 a year difference. Both rates change with Fed policy and can converge or flip.
Marcus’s Advantages
- Slightly higher APY — consistent top-rate positioning since 2016
- Goldman Sachs brand — institutional backing many customers value
- Apple Card integration — Apple Card HYSA is powered by Marcus
- No-penalty CD — well-established product with competitive rates
Ally’s Advantages
- Complete banking ecosystem — checking + savings + investing + auto financing
- Savings buckets — virtual sub-accounts to earmark funds for different goals
- Raise Your Rate CD — one rate bump allowed per CD term (protects against rising rates)
- 24/7 phone + chat — more accessible support than Marcus (extended but not 24/7)
- ATM reimbursement — up to $10/month on Ally checking
- Wider CD selection — no-penalty, Raise Your Rate, standard CDs, CD ladder tools
Verdict
Choose Marcus if you want: highest available savings APY with no conditions, a no-penalty CD, or you use Apple Card.
Choose Ally if you want: complete online banking (checking + savings + CDs), savings goal buckets, 24/7 live support, or ATM access.
Related Guides
- Marcus savings rate 2026 — current APY, no-penalty CD
- Ally Bank guide 2026 — Ally hub
- Marcus vs AmEx HYSA 2026 — Goldman Sachs vs AmEx comparison
- Marcus customer service 2026 — support hours
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