Marcus 高盛saving refer开户目前5.1%利率，开户返$50

用以下link开户，paypal $50
https://www.marcus.com/share/YIX-NKA-2R5B

为什么我看到的只有4.1%+0.25%?

按一季度给的吧

I saw this: "The Annual Percentage Yield (APY) is 3.90% with an interest rate of 3.83% as of December 4, 2024 You’ll earn a cash bonus totaling 0.25% on this account for 3 months".