How to Earn 4.65% APY on Your Savings with Marcus by Goldman Sachs (Limited Time Referral Offer)

If you are keeping your money in a traditional checking or savings account at a big bank, you are likely losing money due to inflation. Most standard accounts offer near-zero interest.

However, high-yield savings accounts (HYSA) have changed the game. Among the leaders in this space is Marcus by Goldman Sachs.

Currently, Marcus is offering a standard Annual Percentage Yield (APY) of 3.65%. However, using the referral strategy outlined below, you can bump that rate up to 4.65% APY for your first three months.

Here is why I have used Marcus as my primary savings vehicle for the last five years and why you should consider making the switch.

Why Marcus by Goldman Sachs?

There are plenty of online banks popping up, but Marcus stands out for a few key reasons regarding safety, reliability, and customer experience.

1. Backed by Goldman Sachs

Marcus isn't a fly-by-night fintech app; it is the consumer banking arm of Goldman Sachs, one of the most storied financial institutions in the world.

2. FDIC Insured

Your money is safe. Marcus accounts are FDIC insured up to the legal limits (generally $250,000 per depositor), giving you peace of mind that your nest egg is secure.

3. Zero Fees

This is a massive benefit. There are:

• No monthly maintenance fees

• No minimum deposit requirements

• No transaction fees

4. U.S.-Based Customer Service

If you have ever been stuck in an automated phone loop with an offshore call center, you know how frustrating it can be. Marcus prides itself on excellent, U.S.-based customer support that is helpful and responsive.

How to Get the 4.65% Interest Rate

The standard rate for a Marcus Online Savings Account is currently 3.65% APY (which is already significantly higher than the national average).

However, Marcus runs a referral program that benefits both the referrer and the new customer. When you open an account using a referral link, you receive a +1.00% APY Referral Bonus for 3 months or 0.25% extra interest for that 3 months period.

The Math:

• Base Rate: 3.65%

• Referral Bonus: +1.00%

• Your Total Rate: 4.65% APY

Click Here to Claim Your 4.65% APY Offer

https://www.marcus.com/share/TIM-CJI-B4TJ

How to Keep the Bonus Going

The best part about the Marcus ecosystem is that the bonus doesn't have to end after three months. Once you have your account set up, you get your own unique referral link.

For every friend you refer (up to 5 per year) who opens an account and funds it, you receive another 3 months of the +1% bonus. This allows you to potentially extend that superior 4.65% interest rate for a full year or more, provided you have friends or family who want to save money, too.

My Personal Experience (5-Year Review)

I haven't just researched this account; I use it. I have utilized Marcus as my main savings hub for the last five years, and I couldn't be happier.

Whether it is building an emergency fund or saving for a down payment on a house, the interface is clean, the app is easy to use, and transfers to and from my checking account are fast. Seeing the monthly interest payments hit my account—money earned simply by letting my savings sit there—is incredibly satisfying.

Conclusion

If you want a safe, fee-free place to park your cash while earning one of the highest interest rates available in the United States, Marcus is a top-tier choice.

Don’t settle for the standard rate. Use the link below to activate your introductory bonus and start earning 4.65% APY today.

Get 4.65% APY with Marcus Here

Disclaimer: Interest rates (APY) are variable and subject to change by the bank at any time. The rates mentioned in this article are accurate as of the time of writing. Please review the terms and conditions on the Marcus website for the most current details regarding FDIC insurance and referral limits.