finance
Ally Bank vs Marcus by Goldman Sachs 2026
Ally Bank offers higher savings rates (4.50% APY) and more diverse products including checking and auto loans, while Marcus focuses exclusively on savings accounts and personal loans with a competitive 4.50% APY but simpler product lineup.
Ally Bank
Full-service online bank offering savings, checking, CDs, auto loans, and mortgages with competitive rates.
Users seeking an all-in-one online banking solution with diverse product offerings and who want checking, savings, and loans from a single institution.
Score71%
VS
Marcus by Goldman Sachs
Specialized online bank focused exclusively on high-yield savings accounts and personal loans.
Customers who want a streamlined savings-focused experience and personal loans from a reputable institution without the complexity of multiple banking products.
Score71%
Quick Answer
AI SummaryAlly Bank offers higher savings rates (4.50% APY) and more diverse products including checking and auto loans, while Marcus focuses exclusively on savings accounts and personal loans with a competitive 4.50% APY but simpler product lineup.
Our Verdict
AI-assistedChoose Ally Bank if you want a comprehensive banking solution with checking accounts, auto loans, CDs, and mortgages all in one place. Choose Marcus by Goldman Sachs if you prefer simplicity and want to focus purely on high-yield savings with no distractions, backed by the prestige of Goldman Sachs.
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Ally Bank
7.6/10
Marcus by Goldman Sachs
7.4/10
Choose Ally Bank if
Best pickUsers seeking an all-in-one online banking solution with diverse product offerings and who want checking, savings, and loans from a single institution.
Choose Marcus by Goldman Sachs if
Customers who want a streamlined savings-focused experience and personal loans from a reputable institution without the complexity of multiple banking products.
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Key Differences at a Glance
- High-Yield Savings Rate:4.50% APY vs 4.50% APY
- Product Diversity:✓ Ally Bank wins(Checking, Savings, CDs, Auto Loans, Mortgages, Personal Loans vs Savings Accounts, Personal Loans Only)
- Minimum Deposit Required:$0 vs $0
Key Facts & Figures
77 numeric metrics compared
| Metric | Ally Bank | Marcus by Goldman Sachs | Ratio |
|---|---|---|---|
| Monthly Maintenance Fee(USD) | $0 | $0 | |
| Overdraft Fee(USD) | $0 (no overdraft fees) | — | — |
| Minimum Balance Required(USD) | $0 | — | — |
| Surcharge-Free ATM Network(ATMs) | 55,000+ | — | — |
| Mobile App Rating(stars) | 4.7/5 | — | — |
| Interest on $10,000 Savings (Annual)(USD) | $360 (at 3.60% APY) | — | — |
| Monthly Account Maintenance Fee(USD) | $0 | $0 | |
| Credit Card Products Available(count) | 0 | — | — |
| High-Yield Savings APY(%) | 4.20% - 4.50% | 4.50% | |
| Money Market Account APY(%) | 4.20% | — | — |
| Minimum Deposit to Open Account(USD) | $0 | — | — |
| Physical Branch Locations(locations) | 0 branches | — | — |
| Customer Service Rating(J.D. Power Score /1000) | 4.1/5 | — | — |
| Minimum Initial Deposit(USD) | $0 | — | — |
| Checking Account APY(%) | 0.10% APY | — | — |
| JD Power Customer Satisfaction Rating(score out of 1,000) | 863 | — | — |
| Personal Loan Maximum Amount(USD) | $250,000 (mortgage products) | $40,000 | |
| Monthly Checking Account Fee(USD) | $0 | — | — |
| Physical Branches(locations) | 0 | 0 | |
| Auto Loan APR (Prime borrower)(%) | 5.99% | — | — |
| CD Rate (12-month)(%) | 4.25% | — | — |
| Customer Satisfaction Score(out of 5) | 852 (2024) | — | — |
| Total Assets Under Management(billion USD) | $181 billion (2023) | $95 billion | |
| 1-Year CD Rate(APY %) | 4.75% | 4.50% | |
| Personal Loan APR (Best Rate)(%) | 6.99% | 6.99% | |
| Minimum Balance Requirement(USD) | $0 | $0 | |
| Monthly Maintenance Fees(USD) | $0 | $0 | |
| Customer Service Rating (Trustpilot)(stars) | 4.7/5 | 4.5/5 | |
| Product Categories Offered(primary categories) | 7 (savings, checking, CDs, money market, IRAs, auto loans, mortgages) | 4 (savings, CDs, personal loans, HELOC) | |
| Interest Checking Account APY(%) | 0.10% | Not Offered | — |
| 12-Month CD APY(%) | 4.35% | 4.60% | |
| 60-Month CD APY(%) | 4.25% | 5.00% | |
| Personal Loan APR Floor(%) | 5.99% | 6.99% | |
| Personal Loan APR Ceiling(%) | 19.99% | 19.99% | |
| Savings Account APY(%) | 4.50% | — | — |
| Credit Card Products(products) | 0 options | 0 products | |
| Average Phone Support Wait Time(minutes) | 2 minutes | — | — |
| High-Yield Savings Account APY(%) | 4.20% | 4.50% | |
| Overdraft Fee per Occurrence(USD) | $0 (no overdraft) | — | — |
| Customer Satisfaction Score (JD Power 2024)(points (1,000 max)) | 799 | — | — |
| Auto Loan APR (Average)(%) | 5.24% | — | — |
| Checking Account Rate(%) | 0.10% | N/A | — |
| 5-Year CD Rate(%) | 4.35% | 4.25% | |
| Minimum CD Deposit(USD) | $0 | $2,500-$25,000 | |
| Mobile App Rating (iOS)(stars (out of 5)) | 4.7/5 | 4.8 stars | |
| FDIC Insurance Coverage(USD) | $250,000 | $250,000 | |
| CD Term Options Available(count) | 7 options | 6 options | |
| 12-Month CD Rate(%) | 4.30% | — | — |
| Debit Card Cashback(%) | 0% | — | — |
| Monthly Checking Fee(USD) | $0 | — | — |
| Monthly Savings Fee(USD) | $0 | — | — |
| Checking Account Monthly Fee(USD) | $0 (no conditions) | — | — |
| Credit Card Rewards Options(cards) | 0 cards | — | — |
| Mortgage Origination Volume (2023)(billion USD) | $0B (not offered) | — | — |
| Minimum Opening Deposit(USD) | $0 | — | — |
| Monthly Maintenance Fee (Standard Checking)(USD) | $0 (no fee ever) | — | — |
| ATM Network Size(ATMs) | 30,000+ (Allpoint network) | — | — |
| Customer Service Phone Wait Time(minutes) | 1-2 minutes average | — | — |
| High-Yield Savings Rate(% APY) | 4.50% | 4.50% | |
| Minimum Account Opening Deposit(USD) | $0 | $0 | |
| CD Product Options(number of terms) | 12 terms (3mo to 5yr) | Not offered | |
| Mobile App Rating (iOS 2026)(stars out of 5) | 4.6 stars | 4.7 stars | |
| Core Banking Products Available(count) | 6 (checking, savings, CDs, auto loans, mortgages, personal loans) | 2 (savings, personal loans) | |
| Personal Loan APR (Worst Rate)(%) | 13.99% | 13.99% | |
| ATM Network Access(ATMs nationwide) | 0 ATMs | 0 ATMs | |
| Maximum Loan Amount(USD) | $40,000 | $40,000 | |
| Minimum Loan Amount(USD) | $3,500 | $3,500 | |
| Funding Speed(business days) | 2-5 business days | 2-5 business days | |
| Minimum Credit Score(score) | 660 | 660 | |
| Cost Comparison (36-Month $10,000 Loan at 12% APR)(USD total interest) | $1,956 (no origination fee) | $1,956 (no origination fee) | |
| Maximum Loan Term(months) | 72 months | 72 months | |
| Loan Amount Range (Maximum)(USD) | $40,000 | $40,000 | |
| Loan Amount Range (Minimum)(USD) | $3,500 | $3,500 | |
| Minimum Credit Score Required(score) | 660+ | 660+ | |
| Loan Term Options Available(options) | 3 terms (3, 5, 7 years) | 3 terms (3, 5, 7 years) | |
| Typical APR for Good Credit (720 score)(%) | ~11.99% - 15.99% | ~11.99% - 15.99% | |
| Physical Locations(branches) | 0 branches | 0 branches |
Sourced from publicly available data ·
Key Differences
7 attributes compared head-to-head
Evenly matched3 ties
Ally Bank
Attribute
Marcus by Goldman Sachs
- 4.50% APYHigh-Yield Savings Rate4.50% APY
- Checking, Savings, CDs, Auto Loans, Mortgages, Personal Loans(winner)Product DiversitySavings Accounts, Personal Loans Only
- $0Minimum Deposit Required$0
- $0Monthly Maintenance Fees$0
- 4.6/5 starsMobile App Rating (iOS)4.7/5 stars(winner)
- 3 months to 5 years (12 terms)(winner)CD Term Options AvailableNot Offered
- 24/7 phone and chatCustomer Service Availability24/7 phone, chat, and email(winner)
- High-Yield Savings Rate
Ally Bank
4.50% APY
Marcus by Goldman Sachs
4.50% APY
- Product Diversity
Ally Bank
Checking, Savings, CDs, Auto Loans, Mortgages, Personal Loans(winner)
Marcus by Goldman Sachs
Savings Accounts, Personal Loans Only
- Minimum Deposit Required
Ally Bank
$0
Marcus by Goldman Sachs
$0
- Monthly Maintenance Fees
Ally Bank
$0
Marcus by Goldman Sachs
$0
- Mobile App Rating (iOS)
Ally Bank
4.6/5 stars
Marcus by Goldman Sachs
4.7/5 stars(winner)
- CD Term Options Available
Ally Bank
3 months to 5 years (12 terms)(winner)
Marcus by Goldman Sachs
Not Offered
- Customer Service Availability
Ally Bank
24/7 phone and chat
Marcus by Goldman Sachs
24/7 phone, chat, and email(winner)
Full Comparison
| Attribute | Ally Bank | Marcus by Goldman Sachs |
|---|---|---|
| Mobile App Rating(quality level) | 4.6/5 | 4.8/5(winner) |
| Mobile App Rating (iOS 2026)(stars out of 5) | 4.6 stars | 4.7 stars(winner) |
| Monthly Maintenance Fee($) | $0 | $0 |
| Monthly Maintenance Fee(USD) | $0 | $0 |
| Overdraft Fee(USD) | $0 (no overdraft fees) | — |
| Monthly Account Maintenance Fee(USD) | $0 | $0 |
| Monthly Checking Account Fee(USD) | $0 | — |
Show 6 more attributesMonthly Maintenance Fees(USD) $0 $0 Overdraft Fee per Occurrence(USD) $0 (no overdraft) — Monthly Checking Fee(USD) $0 — Monthly Savings Fee(USD) $0 — Checking Account Monthly Fee(USD) $0 (no conditions) — Monthly Maintenance Fee (Standard Checking)(USD) $0 (no fee ever) — | ||
| Total Assets Under Management(B) | $197.3B | Part of Goldman Sachs ($1,100B+)(winner) |
| Banking Service Breadth | Checking, savings, auto financing, investments, CDs | Savings accounts, CDs, personal loans |
| Certificate of Deposit (CD) APY(%) | 4.55% (1-year average) | 4.75% (1-year average)(winner) |
| High-Yield Savings APY(%) | 4.10% | 4.35%(winner) |
| High-Yield Savings Rate(% APY) | 4.50% | 4.50% |
| Personal Loan APR Range(% APR) | 5.99%-16.99% | 7.74%-25.99% |
| Minimum Initial Deposit($) | $0 | $0 |
| Minimum Balance Required(USD) | $0 | — |
| Minimum Deposit to Open Account(USD) | $0 | — |
| Minimum Initial Deposit(USD) | $0 | — |
| Minimum Balance Requirement(USD) | $0 | $0 |
Show 1 more attributeMinimum Opening Deposit(USD) $0 — | ||
| Customer Satisfaction Rate(%) | 88% | 95% (estimated from app ratings)(winner) |
| Customer Satisfaction Score(out of 5) | 852 (2024) | — |
| Customer Service Rating (Trustpilot)(stars) | 4.7/5(winner) | 4.5/5 |
| Customer Satisfaction Score (JD Power 2024)(points (1,000 max)) | 799 | — |
| Surcharge-Free ATM Network(ATMs) | 55,000+ | — |
| Physical Branches(locations) | 0 | 0 |
| Minimum CD Deposit(USD) | $0(winner) | $2,500-$25,000 |
| ATM Network Size(ATMs) | 30,000+ (Allpoint network) | — |
| Minimum Account Opening Deposit(USD) | $0 | $0 |
Show 2 more attributesATM Network Access(ATMs nationwide) 0 ATMs — Physical Locations(branches) 0 branches — | ||
| Mobile App Rating(stars) | 4.7/5 | — |
| Interest on $10,000 Savings (Annual)(USD) | $360 (at 3.60% APY) | — |
| Checking Account Rate(%) | 0.10% | N/A |
| 5-Year CD Rate(%) | 4.35%(winner) | 4.25% |
| Credit Card Products Available(count) | 0 | — |
| CD Term Options Available(count) | 7 options(winner) | 6 options |
| High-Yield Savings APY(%) | 4.20% - 4.50% | 4.50%(winner) |
| Money Market Account APY(%) | 4.20% | — |
| 1-Year CD Rate(APY %) | 4.75%(winner) | 4.50% |
| 12-Month CD Rate(%) | 4.30% | — |
| Physical Branch Locations(locations) | 0 branches | — |
| Auto Loan APR Range (Average)(%) | Not offered | — |
| Mortgage Lending Availability(states) | Not offered | — |
| Personal Loan Origination Fee(text) | None | None |
| Personal Loan APR Floor(%) | 5.99%(winner) | 6.99% |
| Personal Loan APR Ceiling(%) | 19.99% | 19.99% |
Show 3 more attributesPersonal Loan Maximum(USD) Not available — Auto Loan APR (Average)(%) 5.24% — Mortgage Origination Volume (2023)(billion USD) $0B (not offered) — | ||
| Customer Service Rating(J.D. Power Score /1000) | 4.1/5 | — |
| Checking Account APY(%) | 0.10% APY | — |
| JD Power Customer Satisfaction Rating(score out of 1,000) | 863 | — |
| Average Phone Support Wait Time(minutes) | 2 minutes | — |
| Customer Service Phone Wait Time(minutes) | 1-2 minutes average | — |
| Personal Loan Maximum Amount(USD) | $250,000 (mortgage products)(winner) | $40,000 |
| Auto Loan APR (Prime borrower)(%) | 5.99% | — |
| Personal Loan APR (Worst Rate)(%) | 13.99% | — |
| CD Rate (12-month)(%) | 4.25% | — |
| Total Assets Under Management(billion USD) | $181 billion (2023)(winner) | $95 billion |
| Personal Loan APR (Best Rate)(%) | 6.99% | 6.99% |
| Prepayment Penalty | None | — |
| Loan Term Options Available(options) | 3 terms (3, 5, 7 years) | — |
| Product Categories Offered(primary categories) | 7 (savings, checking, CDs, money market, IRAs, auto loans, mortgages)(winner) | 4 (savings, CDs, personal loans, HELOC) |
| Interest Checking Account APY(%) | 0.10% | Not Offered |
| 12-Month CD APY(%) | 4.35% | 4.60%(winner) |
| 60-Month CD APY(%) | 4.25% | 5.00%(winner) |
| Mobile App User Rating(stars) | 4.8 (95K reviews)(winner) | 4.7 (42K reviews) |
| Savings Account APY(%) | 4.50% | — |
| Credit Card Products(products) | 0 options | 0 products |
| Checking Account Availability | No | — |
| High-Yield Savings Account APY(%) | 4.20% | 4.50%(winner) |
| Mobile App Rating (iOS)(stars (out of 5)) | 4.7/5 | 4.8 stars(winner) |
| FDIC Insurance Coverage(USD) | $250,000 | $250,000 |
| Debit Card Cashback(%) | 0% | — |
| Credit Card Rewards Options(cards) | 0 cards | — |
| Customer Service Hours(hours/week) | 24/7 phone + chat | — |
| CD Product Options(number of terms) | 12 terms (3mo to 5yr)(winner) | Not offered |
| Core Banking Products Available(count) | 6 (checking, savings, CDs, auto loans, mortgages, personal loans)(winner) | 2 (savings, personal loans) |
| Origination Fee(%) | $0 (0%) | — |
| APR Range(%) | 6.99% - 36% | — |
| Typical APR for Good Credit (720 score)(%) | ~11.99% - 15.99% | — |
| Maximum Loan Amount(USD) | $40,000 | — |
| Minimum Loan Amount(USD) | $3,500 | — |
| Funding Speed(business days) | 2-5 business days | — |
| Minimum Credit Score(score) | 660 | — |
| Loan Term Options(months) | 3, 5, 7 | — |
| Maximum Loan Term(months) | 72 months | — |
| Cost Comparison (36-Month $10,000 Loan at 12% APR)(USD total interest) | $1,956 (no origination fee) | — |
| Loan Amount Range (Maximum)(USD) | $40,000 | — |
| Loan Amount Range (Minimum)(USD) | $3,500 | — |
| Minimum Credit Score Required(score) | 660+ | — |
Ally BankMarcus by Goldman SachsMobile App Rating(quality level)
4.6/5
4.8/5
Mobile App Rating (iOS 2026)(stars out of 5)
4.6 stars
4.7 stars
Monthly Maintenance Fee($)
$0
$0
Monthly Maintenance Fee(USD)
$0
$0
Overdraft Fee(USD)
$0 (no overdraft fees)
—
Monthly Account Maintenance Fee(USD)
$0
$0
Monthly Checking Account Fee(USD)
$0
—
Show 6 more attributes
Monthly Maintenance Fees(USD)
$0
$0
Overdraft Fee per Occurrence(USD)
$0 (no overdraft)
—
Monthly Checking Fee(USD)
$0
—
Monthly Savings Fee(USD)
$0
—
Checking Account Monthly Fee(USD)
$0 (no conditions)
—
Monthly Maintenance Fee (Standard Checking)(USD)
$0 (no fee ever)
—
Total Assets Under Management(B)
$197.3B
Part of Goldman Sachs ($1,100B+)
Banking Service Breadth
Checking, savings, auto financing, investments, CDs
Savings accounts, CDs, personal loans
Certificate of Deposit (CD) APY(%)
4.55% (1-year average)
4.75% (1-year average)
High-Yield Savings APY(%)
4.10%
4.35%
High-Yield Savings Rate(% APY)
4.50%
4.50%
Personal Loan APR Range(% APR)
5.99%-16.99%
7.74%-25.99%
Minimum Initial Deposit($)
$0
$0
Minimum Balance Required(USD)
$0
—
Minimum Deposit to Open Account(USD)
$0
—
Minimum Initial Deposit(USD)
$0
—
Minimum Balance Requirement(USD)
$0
$0
Show 1 more attribute
Minimum Opening Deposit(USD)
$0
—
Customer Satisfaction Rate(%)
88%
95% (estimated from app ratings)
Customer Satisfaction Score(out of 5)
852 (2024)
—
Customer Service Rating (Trustpilot)(stars)
4.7/5
4.5/5
Customer Satisfaction Score (JD Power 2024)(points (1,000 max))
799
—
Surcharge-Free ATM Network(ATMs)
55,000+
—
Physical Branches(locations)
0
0
Minimum CD Deposit(USD)
$0
$2,500-$25,000
ATM Network Size(ATMs)
30,000+ (Allpoint network)
—
Minimum Account Opening Deposit(USD)
$0
$0
Show 2 more attributes
ATM Network Access(ATMs nationwide)
0 ATMs
—
Physical Locations(branches)
0 branches
—
Mobile App Rating(stars)
4.7/5
—
Interest on $10,000 Savings (Annual)(USD)
$360 (at 3.60% APY)
—
Checking Account Rate(%)
0.10%
N/A
5-Year CD Rate(%)
4.35%
4.25%
Credit Card Products Available(count)
0
—
CD Term Options Available(count)
7 options
6 options
High-Yield Savings APY(%)
4.20% - 4.50%
4.50%
Money Market Account APY(%)
4.20%
—
1-Year CD Rate(APY %)
4.75%
4.50%
12-Month CD Rate(%)
4.30%
—
Physical Branch Locations(locations)
0 branches
—
Auto Loan APR Range (Average)(%)
Not offered
—
Mortgage Lending Availability(states)
Not offered
—
Personal Loan Origination Fee(text)
None
None
Personal Loan APR Floor(%)
5.99%
6.99%
Personal Loan APR Ceiling(%)
19.99%
19.99%
Show 3 more attributes
Personal Loan Maximum(USD)
Not available
—
Auto Loan APR (Average)(%)
5.24%
—
Mortgage Origination Volume (2023)(billion USD)
$0B (not offered)
—
Customer Service Rating(J.D. Power Score /1000)
4.1/5
—
Checking Account APY(%)
0.10% APY
—
JD Power Customer Satisfaction Rating(score out of 1,000)
863
—
Average Phone Support Wait Time(minutes)
2 minutes
—
Customer Service Phone Wait Time(minutes)
1-2 minutes average
—
Personal Loan Maximum Amount(USD)
$250,000 (mortgage products)
$40,000
Auto Loan APR (Prime borrower)(%)
5.99%
—
Personal Loan APR (Worst Rate)(%)
13.99%
—
CD Rate (12-month)(%)
4.25%
—
Total Assets Under Management(billion USD)
$181 billion (2023)
$95 billion
Personal Loan APR (Best Rate)(%)
6.99%
6.99%
Prepayment Penalty
None
—
Loan Term Options Available(options)
3 terms (3, 5, 7 years)
—
Product Categories Offered(primary categories)
7 (savings, checking, CDs, money market, IRAs, auto loans, mortgages)
4 (savings, CDs, personal loans, HELOC)
Interest Checking Account APY(%)
0.10%
Not Offered
12-Month CD APY(%)
4.35%
4.60%
60-Month CD APY(%)
4.25%
5.00%
Mobile App User Rating(stars)
4.8 (95K reviews)
4.7 (42K reviews)
Savings Account APY(%)
4.50%
—
Credit Card Products(products)
0 options
0 products
Checking Account Availability
No
—
High-Yield Savings Account APY(%)
4.20%
4.50%
Mobile App Rating (iOS)(stars (out of 5))
4.7/5
4.8 stars
FDIC Insurance Coverage(USD)
$250,000
$250,000
Debit Card Cashback(%)
0%
—
Credit Card Rewards Options(cards)
0 cards
—
Customer Service Hours(hours/week)
24/7 phone + chat
—
CD Product Options(number of terms)
12 terms (3mo to 5yr)
Not offered
Core Banking Products Available(count)
6 (checking, savings, CDs, auto loans, mortgages, personal loans)
2 (savings, personal loans)
Origination Fee(%)
$0 (0%)
—
APR Range(%)
6.99% - 36%
—
Typical APR for Good Credit (720 score)(%)
~11.99% - 15.99%
—
Maximum Loan Amount(USD)
$40,000
—
Minimum Loan Amount(USD)
$3,500
—
Funding Speed(business days)
2-5 business days
—
Minimum Credit Score(score)
660
—
Loan Term Options(months)
3, 5, 7
—
Maximum Loan Term(months)
72 months
—
Cost Comparison (36-Month $10,000 Loan at 12% APR)(USD total interest)
$1,956 (no origination fee)
—
Loan Amount Range (Maximum)(USD)
$40,000
—
Loan Amount Range (Minimum)(USD)
$3,500
—
Minimum Credit Score Required(score)
660+
—
Pros & Cons
10 pros·4 cons across both
Ally Bank
+5-2
Pros
- 4.50% APY on high-yield savings matches competitors
- Full banking suite including checking (no monthly fees), auto loans, and mortgage products
- 12 CD term options ranging from 3 months to 5 years with rates up to 4.35% APY
- No monthly maintenance fees on any account type
- 24/7 customer support via phone and live chat
Cons
- Checking account lacks ATM card rewards program that some competitors offer
- Auto loan rates start at 5.99% APR for qualified borrowers (less competitive than some credit unions)
Marcus by Goldman Sachs
+5-2
Pros
- 4.50% APY on savings accounts matches top-tier competitors
- Goldman Sachs backing provides institutional credibility and financial strength
- Personal loans from $3,500 to $40,000 with fixed rates and no prepayment penalties
- Slightly higher mobile app rating (4.7/5 vs Ally's 4.6/5)
- Simple, intuitive interface with zero account minimums and no monthly fees
Cons
- Limited to savings accounts and personal loans only—no checking, CDs, mortgages, or auto loans
- Personal loan rates start at 7.74% APR (higher than some online lenders offering sub-7% rates)
Frequently Asked Questions
5 questions
Both Ally Bank and Marcus by Goldman Sachs offer identical 4.50% APY on high-yield savings accounts as of 2026. Neither has an advantage—rates change frequently based on Federal Reserve decisions, so you should check current rates directly. However, Ally offers additional high-yield CD options (up to 4.35% APY for 5-year terms) if you want to lock in returns for longer periods.
Resources & Learn More
Curated sources to dive deeper
Wikipedia
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