在9/30前使用一下referral开户 (who has not owned a Marcus Online Savings Account or CD in the past 12 months)，可在原有的1.7%利率上多加1%；前5位返现$25 Venmo or Paypal。开户后立即拿到2.7%利率，有效期三个月！再推荐5人就可延长收益最大期限至15个月！FDIC Insured up to $250k
https://www.marcus.com/us/en/savings/referral?referralcode=ZHI-Y9E-5YRE