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Compare CD Rates & Fixed Deposits: Chase vs Marcus by Goldman Sachs (2026)

Chase VS Marcus by Goldman Sachs

Alex Parker, CFA

Senior Banking Editor

November 2, 2026

Chase vs Marcus by Goldman Sachs: Overview & Banking Footprint

When comparing Chase and Marcus by Goldman Sachs in the CD Rates & Fixed Deposits market, both financial institutions offer distinct advantages across interest rates, fee transparency, digital banking tools, and customer rewards.

Chase has built a reputation around consistent financial reliability and broad account servicing, while Marcus by Goldman Sachs emphasizes competitive yields, low maintenance fees, and streamlined mobile account management across its CD Rates & Fixed Deposits lineup.

Interest Rates, APY/APR & Fee Structures Compared

Choosing between Chase and Marcus by Goldman Sachs comes down to your personal financial priorities: annual percentage yields (APY), borrowing APRs, monthly fee waivers, ATM/branch convenience, and welcome bonuses. Reviewing each bank's specific aspect ratings below provides deeper insight into where each institution leads.

Pros & Cons Comparison

Chase

Established regulatory protection and deposit security
Comprehensive suite of CD Rates & Fixed Deposits options
Strong customer satisfaction and dispute support

Marcus by Goldman Sachs

Competitive rate structure and low everyday account fees
Intuitive mobile app and fast digital onboarding
Attractive loyalty rewards and account perks

Final Verdict: Which Bank Should You Choose?

For customers who prioritize full-service relationship banking and established institutional reach, Chase is a standout choice. Conversely, if you are looking to maximize rates while minimizing monthly fees in CD Rates & Fixed Deposits, Marcus by Goldman Sachs delivers a highly compelling value proposition.

Chase CD Rates & Fixed Deposits Overview

When evaluating Chase for CD Rates & Fixed Deposits, our financial analysts examined interest rates, annual and monthly fees, customer satisfaction scores, and digital banking tools.

JPMorgan Chase Bank is the largest retail and commercial bank in the United States, serving over 80 million consumers with more than 4,700 branches and 15,000 ATMs. Chase's Ultimate Rewards ecosystem - anchored by the Chase Sapphire Preferred, Sapphire Reserve, and Freedom Unlimited cards - is widely considered the gold standard in flexible travel and cashback rewards.

Chase also provides comprehensive checking, mortgage lending, auto financing, and J.P. Morgan Wealth Management services.

Marcus by Goldman Sachs CD Rates & Fixed Deposits Overview

Marcus by Goldman Sachs CD Rates & Fixed Deposits Review & Rating (9.6/10)

In our comprehensive evaluation of Marcus by Goldman Sachs CD Rates & Fixed Deposits, Marcus by Goldman Sachs earns an overall category score of 9.6/10. Marcus by Goldman Sachs is the consumer online banking arm of Goldman Sachs, offering industry-leading high-yield online savings accounts, high-rate fixed and no-penalty CDs, and fee-free banking.

Marcus by Goldman Sachs CD Rates & Fixed Deposits Aspect Breakdown

Interest Rates & APY (9.8/10): Marcus by Goldman Sachs is an industry leader in Interest Rates & APY within CD Rates & Fixed Deposits, scoring 9.8/10 thanks to highly competitive rates, transparent terms, and standout customer value.
Fees & Minimums (9.4/10): Marcus by Goldman Sachs is an industry leader in Fees & Minimums within CD Rates & Fixed Deposits, scoring 9.4/10 thanks to highly competitive rates, transparent terms, and standout customer value.
Customer Service (9.7/10): Marcus by Goldman Sachs is an industry leader in Customer Service within CD Rates & Fixed Deposits, scoring 9.7/10 thanks to highly competitive rates, transparent terms, and standout customer value.
Mobile App & Digital Banking (9.8/10): Marcus by Goldman Sachs is an industry leader in Mobile App & Digital Banking within CD Rates & Fixed Deposits, scoring 9.8/10 thanks to highly competitive rates, transparent terms, and standout customer value.
Rewards & Perks (9.4/10): Marcus by Goldman Sachs is an industry leader in Rewards & Perks within CD Rates & Fixed Deposits, scoring 9.4/10 thanks to highly competitive rates, transparent terms, and standout customer value.

Bottom Line Verdict

Whether you are comparing Marcus by Goldman Sachs's CD Rates & Fixed Deposits for everyday value, low fees, or digital banking convenience, Marcus by Goldman Sachs stands out as a competitive choice in United States. Compare individual Marcus by Goldman Sachs accounts and head-to-head bank matchups below.

Chase vs Marcus by Goldman Sachs: Key Banking Specifications

Bank

Overall Rating

4.9

Savings APY / AER

0.01% - 4.00% APY

Deposit Insurance

FDIC Insured ($250k)

Official Site

Visit Chase ↗

Visit Marcus by Goldman Sachs ↗

Aspect-by-Aspect Rating & Analysis (CD Rates & Fixed Deposits)

Overall

Chase

7.2 / 10.0

Overall composite rating across rates, fees, service, digital banking, and rewards.

Marcus by Goldman Sachs

9.6 / 10.0

Marcus by Goldman Sachs achieves an overall rating of 9.6/10 in CD Rates & Fixed Deposits based on interest rates, fees, digital tools, customer service, and rewards.

Comparing Chase and Marcus by Goldman Sachs across Overall in CD Rates & Fixed Deposits provides crucial perspective for savers and borrowers deciding between two leading financial institutions. Chase combines broad institutional resources with dependable account servicing, while Marcus by Goldman Sachs delivers agile digital features and competitive everyday terms.

Interest Rates & APY

Chase

5.2 / 10.0

Standard CD rates at Chase are among the lowest in the market, often hovering near nominal minimums. While relationship rates offer a modest boost for existing account holders, yields consistently trail top high-yield competitors.

Marcus by Goldman Sachs

9.8 / 10.0

Marcus by Goldman Sachs is an industry leader in Interest Rates & APY within CD Rates & Fixed Deposits, scoring 9.8/10 thanks to highly competitive rates, transparent terms, and standout customer value.

Comparing interest rates and annual percentage yields (APY/APR) between Chase and Marcus by Goldman Sachs in CD Rates & Fixed Deposits highlights how each institution structures returns for savers and borrowing costs for credit customers. Chase focuses on competitive relationship tiers and promotional intro periods, while Marcus by Goldman Sachs emphasizes consistent everyday rate competitiveness across standard account balances.

Before applying, compare both the headline introductory APR/APY and the ongoing standard variable rate to ensure your CD Rates & Fixed Deposits account remains rewarding over the long term.

Fees & Minimums

Chase

6.5 / 10.0

The standard minimum deposit of $1,000 creates a moderate barrier to entry for smaller savers. Early withdrawal penalties are standard for brick-and-mortar banks but can substantially erode earned interest on shorter-term certificates.

Marcus by Goldman Sachs

9.4 / 10.0

Marcus by Goldman Sachs is an industry leader in Fees & Minimums within CD Rates & Fixed Deposits, scoring 9.4/10 thanks to highly competitive rates, transparent terms, and standout customer value.

Fee transparency and minimum balance thresholds are crucial when evaluating Chase versus Marcus by Goldman Sachs for CD Rates & Fixed Deposits. Chase offers clear fee waiver pathways through qualifying direct deposits or combined relationship balances, whereas Marcus by Goldman Sachs focuses on keeping monthly maintenance fees, overdraft charges, and foreign transaction costs to a minimum.

Customers who prefer zero-hurdle banking with $0 / £0 monthly maintenance requirements should weigh each bank's fee schedule against their typical monthly balance.

Customer Service

Chase

8.7 / 10.0

Chase offers superior support through its extensive nationwide branch network alongside reliable 24/7 phone assistance. Depositors benefit from personalized access to bankers for CD maturity and rollover consultations.

Marcus by Goldman Sachs

9.7 / 10.0

Marcus by Goldman Sachs is an industry leader in Customer Service within CD Rates & Fixed Deposits, scoring 9.7/10 thanks to highly competitive rates, transparent terms, and standout customer value.

Customer service quality in CD Rates & Fixed Deposits reflects how effectively Chase and Marcus by Goldman Sachs handle fraud alerts, billing disputes, and account inquiries. Chase backs its accounts with dedicated 24/7 telephone specialists and in-person branch advisors, while Marcus by Goldman Sachs provides rapid in-app live chat support and streamlined digital dispute resolution.

Both institutions maintain strong satisfaction scores among account holders and provide full zero-liability fraud protection.

Mobile App & Digital Banking

Chase

9.4 / 10.0

The Chase mobile app is an industry-leading platform that makes opening, tracking, and managing fixed deposits seamless. Users benefit from robust security protocols, maturity alerts, and intuitive self-service renewal settings.

Marcus by Goldman Sachs

9.8 / 10.0

Marcus by Goldman Sachs is an industry leader in Mobile App & Digital Banking within CD Rates & Fixed Deposits, scoring 9.8/10 thanks to highly competitive rates, transparent terms, and standout customer value.

Digital banking capabilities play a central role in managing CD Rates & Fixed Deposits with Chase and Marcus by Goldman Sachs. Both banks deliver highly rated iOS and Android mobile apps featuring biometric authentication, instant card lock/unlock controls, mobile check deposit, and real-time transaction notifications.

Chase excels in comprehensive wealth and multi-account dashboards, while Marcus by Goldman Sachs stands out for automated savings tools, credit score monitoring, and intuitive everyday navigation.

Rewards & Perks

Chase

6.0 / 10.0

CDs offer limited standalone perks, though linking them can help meet balance thresholds to waive fees on premium checking tiers. The primary reward is relationship pricing, though the resulting rate hike remains relatively modest.

Marcus by Goldman Sachs

9.4 / 10.0

Marcus by Goldman Sachs is an industry leader in Rewards & Perks within CD Rates & Fixed Deposits, scoring 9.4/10 thanks to highly competitive rates, transparent terms, and standout customer value.

When comparing rewards, welcome bonuses, and account perks in CD Rates & Fixed Deposits, Chase and Marcus by Goldman Sachs cater to slightly different spending and saving habits. Chase emphasizes flexible points, travel protections, and relationship bonus multipliers, whereas Marcus by Goldman Sachs focuses on straightforward flat-rate cashback, merchant offers, and fee rebates.

Matching your monthly spending categories and redemption preferences to each bank's loyalty ecosystem will maximize your annual return.

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