Marcus by Goldman Sachs will give you a 3.90% APY for 3 months when you open a Marcus Online Savings Account with their standard 3.65% APY savings rate plus a 0.25% APY referral bonus with no minimum deposits and no fees.
On top of the high interest rate, you can earn a $100, $750, or $1,500 cash bonus for a limited time with a new or existing Marcus Online Savings Account when you deposit and maintain $10,000, $50,000, or $100,000 in your new or existing account for 90 days.
This Marcus 3.90% APY Online Savings Account Rate is available when you join via this referral link (provided by reader Andrew).
Anybody in the U.S.A. can open a new account, and there are no minimum deposit requirements and no monthly maintenance fees for the Marcus Online Savings Account.
When you open your Marcus Online Savings Account through a current member’s referral link, you will receive a 0.25% APY referral bonus for 3 months on top of the standard 3.65% APY savings rate for a total 3.90% APY for your first 3 months.
Once you are a member of Marcus by Goldman Sachs, you can also participate in the Marcus Refer-A-Friend Program to earn an additional 0.25% APY bonus for 3 months on your Marcus Online Savings Account.
For each new member that you refer who opens a Marcus Online Savings Account, you will both receive a 0.25% APY bonus for 3 months.
In total, you can earn up to 5 consecutive rate bonuses per calendar year, so if you continue to refer your friends to Marcus by Goldman Sachs, you will enjoy a full 3.90% APY for as long as you refer new members.
The 0.25% APY referral bonuses are applied to your Marcus Online Savings Account consecutively, so that means as soon as one 0.25% APY bonus expires after 3 months, your next 0.25% APY bonus will begin.
With the ability to earn up to 5 consecutive rate bonuses per calendar year, you could continuously enjoy a 3.90% APY on your Marcus Online Savings Account for as long as you refer new friends.
Take advantage of this 3.90% Online Savings Account bonus from Marcus by Goldman Sachs for a limited time.
Up to $1,500 Marcus by Goldman Sachs Online Savings Account Bonus
Marcus by Goldman Sachs is offering a special cash bonus for up to $1,500 when you enroll and deposit $10,000 or more in new funds into a new or existing Online Savings Account.
To qualify for this Marcus Online Savings Account $1,500 Bonus Offer, you must first enroll, and then deposit $10,000 or more in new funds within 10 calendar days of enrollment.
You’ll receive a $100 bonus with a $10,000 deposit of new funds, a $750 bonus with a $50,000 deposit, or a $1,500 bonus with a $100,000 deposit.
In addition, you must maintain at least $10,000 of those new funds, plus your existing balance as of 12:00 AM ET on the day you enrolled, in your account for 90 consecutive days after the 10-day funding period.
Within 14 days after you fulfill the bonus requirements, Marcus will automatically deposit the cash bonus of up to $1,500 into your account, depending on the amount you deposited and maintained during the qualification period.
If you want to participate in this $100-$1,500 Online Savings Account bonus from Marcus by Goldman Sachs, you must enroll by March 11, 2026.
You can also qualify to earn a 3.90% APY on your savings account balances for 3 months if you join Marcus as a new member via a referral link below first, and then enroll in the $100-$1,500 bonus offer after your account is open, since the $100-$1,500 bonus offer is for both new and existing accounts.
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Von m says
Here is my link. Two spots left
https://www.marcus.com/share/VON-939-KIMD
Gadget 🕵️♂️ Bank Bonus Geek says
Hey Max,
Referral link: https://www.marcus.com/share/MIC-SI1-PF5Z
May I suggest a post update?
https://www.marcus.com/us/en/savings/osa-savingsbonus
Marcus is now offering a bonus of up to $1,500 for new & existing savings customers. Must enroll by 3/11/26. The bonus you receive depends on the amount you deposit within 10 days of enrollment, and must maintain it for 90 days:
$100 bonus for $10,000+
$750 bonus for $50,000+
$1,500 bonus for $100,000+
By using a referral link, you will receive a 0.25% interest rate boost for 92 days from opening the account. (works out roughly to be 1% APY). Once you have your new savings account open, you should enroll in the bonus program to start your 10 day clock to fully fund to the desired tier.
After you have opened your Marcus Savings Account, when ready, enroll in the Savings Offer. Once you enroll, you only have 10 days to fund your account to your desired tier.
Terry says
Hi here is my referral link for Marcus https://www.marcus.com/share/DON-CKN-I8SI
Thank you in advance.
livingthecheaplife says
Is it ethical for Marcus by Goldman Sachs to incentivize customers to refer friends in order to boost their interest rate, potentially putting personal friendships at risk for financial gain?”,
“refusal
Eric says
I have 3 referral slots left in case anyone still needs one! Current offer (as of Aug 3 2024) is 4.40% APY + 0.25% cash bonus total over 3 months.
https://www.marcus.com/share/ERI-GKQ-T2MH
Save_Money24 says
If anybody is looking for codes that currently work as of June 12, 2024, here you go. Good for an extra 1% (currently 5.4%) for 3 months:
https://www.marcus.com/share/GRE-TW6-PA1D
Max Power says
5 spots available 6.5%
https://www.marcus.com/share/MIG-1DH-6T4Y
Thank you!!!!
Sam says
High Yield Savings Account Marcus by Goldman Sachs 5.40% (4.40% + 1.00% 3 months) both you and me. Thanks!
2,spots left!
http://www.marcus.com/share/SAM-DPH-GARI
Kealey says
Easily earn the 5.4 % APR now with my referral link.
Current APY 4.40% + Referral link 1% = 5.40%
https://www.marcus.com/share/KEA-P5Z-CR1Q
lc says
Easily earn the 5.5 % APR now ( with aarp membership). Let me know if any questions. Also enjoying the generosity of Marcus to accrue the interest once you initiate the transfer in…Thanks!
https://www.marcus.com/share/YEE-HF8-EHKK
Eric says
Four spots left if anyone needs them! Currently 5.3% APY (4.3% base + 1% bonus) :)
https://www.marcus.com/share/ERI-GKQ-T2MH
Shardul Virkar says
5/5 spots left : https://www.marcus.com/share/SHA-UAX-MUZF
HS says
Correction*
4.30% Savings APY + 1.00% Referral Bonus = 5.30% for 3 months
HS says
While Marcus rates are not the highest (see CFG), they have been one of the quicker one to adjust rates after Fed announcements.
Current APY 4.15% + Referral link 1% = 5.15%
https://www.marcus.com/share/HON-I7R-RJNE
Jas says
Used a referral link and got 5.15% APY. Here’s my referral link: https://www.marcus.com/share/JAS-44G-2KNR
Alex says
https://www.marcus.com/share/ALE-4CM-S4XX
4.15% Savings APY
+ 1.00% Referral Bonus
5.15%
https://www.marcus.com/share/ALE-4CM-S4XX
Daniel says
I have 3 spots left
https://www.marcus.com/share/DAN-L7P-GTSU
Also if you’re a AARP member you can get an additional 0.10% Just for being a member
Rs says
5.15% link here… https://www.marcus.com/share/ZHE-Y4N-HLTH
S. B. says
Here’s my referral code: https://www.marcus.com/share/SAR-QER-577Q all spots open! 5.15% for 3 months
Dee says
Please use my referral link since the ones shared in this article have probably hit their max for the year. It will help me out a ton.
https://www.marcus.com/share/DAN-5WD-2N1T
Eric says
For anyone who needs a referral to get the extra 1% bump:
https://www.marcus.com/share/ERI-GKQ-T2MH
Irene says
APY 4.15% + Referral link 1% = 5.15%
Referral link: https://www.marcus.com/share/NIN-C39-ILTJ
Maggie says
APY 4.15% + Referral link 1% = 5.15%
Referral link: https://www.marcus.com/share/ZIY-SI9-7UGE
MathLover says
The rate hikes up to 4.9% now, appreciate it if you use my link https://www.marcus.com/share/FAN-YLT-37VL
Nora says
Please use my referral link to get 3.75% interest for 3 months!
https://www.marcus.com/share/NOR-A6K-Z9CK
Michael says
If you need another referral link please see below:
Marcus by Goldman Sachs HYSA – 4.85% APY (High Yield Savings Account) Referral Bonus Link.
Referral link for Marcus by Goldman Sachs High Yield Savings Account bonus. Use referral to get 3 months interest at 4.75%. Add AARP for an additional .10% for yield of 4.85%.
Once you’re signed up you’ll be given your own unique referrral code which can be used up to 5 times. Each referral boosts your bonus by 3 months in addition to 3 months for the person you give the referral to.
https://www.marcus.com/share/MIC-TX8-I4EJ
kurph says
Thanks for using in advance!
Good account to keep for long term, usually have promotion each year.
https://www.marcus.com/share/YEE-HF8-EHKK
Riz says
Here’s my referral link for 4.7% APY: https://www.marcus.com/share/SHI-NS9-N7A3
David says
My referral link gets the highest bonus! 4.5% !! https://www.marcus.com/share/DAV-TGQ-LB1X
After opening this then enroll in the $100 offer. They both stack. Need to sign up with my link first and THEN use this link for the $100 https://www.marcus.com/us/en/savings/osa-savingsbonus.
Michelle B. says
https://www.marcus.com/share/MIC-SI1-PF5Z
The Marcus $100 savings bonus account offer is back! Sign up for Marcus via my referral link and get 4.3% APY for three months. Next, enroll in the $100 savings bonus program within online banking. (When you factor in the $100 bonus, you will be making around 8.3% APY for three months.) Deposit $10,000 in new funds within 10 days of enrollment, then withdraw after three months. Marcus makes it so easy by having a bonus tracker inside online banking. You must enroll by 2/15/2023.