Affirm vs. Marcus by Goldman Sachs
Compare rates, requirements, and features side-by-side to find the best option for you.
Affirm
Affirm Money Account
3.60%APYDec 10, 2025FDIC InsuredNo MinimumsGreat iOS AppGreat Android AppShow Fine Print & Trends Hide Details
Affirm
Affirm Money Account
Marcus by Goldman Sachs
Marcus Online Savings Account
3.65%APYDec 10, 2025FDIC InsuredNo MinimumsGreat iOS AppGreat Android AppShow Fine Print & Trends Hide Details
Marcus by Goldman Sachs
Marcus Online Savings Account
Market Reality Check
Both of these banks offer rates below the current top tier. The best rates we track are currently above 4.25% APY.
Affirm vs. Marcus by Goldman Sachs Savings Calculator
Marcus by Goldman Sachs earns $31.9 more than Affirm.
Affirm
Affirm Money Account
Savings Breakdown
- Interest Earned+$2,177.80(10.8%)
- Total Contributions$13,000
- Initial Deposit$5,000
Projected Balance
$20,177.80
Marcus by Goldman Sachs
Marcus Online Savings Account
Savings Breakdown
- Interest Earned+$2,209.70(10.9%)
- Total Contributions$13,000
- Initial Deposit$5,000
Projected Balance
$20,209.70
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
Comparison Analysis
Comparing Affirm vs. Marcus by Goldman Sachs
Why Affirm?
- ✓Higher rated Android app (4.8 vs 4.4)
Why Marcus by Goldman Sachs?
No distinct advantages found vs Affirm.
Shared Benefits
Over a 1-year period, Marcus by Goldman Sachs's Marcus Online Savings Account pays $5 more interest on a $10,000 balance than Affirm's Affirm Money Account.
*This calculation assumes current rates remain consistent for 1 year and does not include temporary bonuses.
Executive Summary
Affirm offers the Affirm Money Account with a competitive APY of 3.60%, while Marcus by Goldman Sachs provides the Marcus Online Savings Account at a slightly lower APY of 3.65%. Both accounts are online-only, require no minimum deposit or balance, and have no maintenance fees. Importantly, neither account requires direct deposit, making them accessible for a wider range of customers. Affirm's account is FDIC-insured through partner Cross River Bank, ensuring safety for deposits. Overall, while Marcus has a marginally higher APY, the rates are nearly identical, making both options attractive for savers.
Analysis generated based on current Banksparency database records
* AI-generated content provided for informational purposes only. Accuracy is not guaranteed; always verify details with the provider.
Top Market Contenders
See who beats both Affirm and Marcus by Goldman Sachs.
| Feature | Affirm | Marcus by Goldman Sachs |
|---|---|---|
| APY | 3.60% Verified: 12/10/2025 ↘︎ 0.25%90d Change | 3.65% Verified: 12/10/2025 Stable (90d) |
| Product Name | Affirm Money Account | Marcus Online Savings Account |
| Minimum Deposit | $0 | $0 |
| Min. Balance for APY | $0 | $0 |
| Monthly Fee | $0 | $0 |
| Branch Access | None | None |
| Account Type | Online Only | Online Only |
| Direct Deposit Req. | None | None |
| Checking Bundle | No | No |
| Mobile Apps | iOS4.9 Android4.8 | iOS4.9 Android4.4 |
| BBB Rating | A+ | A+ |
| Important Notes | While Affirm is not a bank, it is FDIC-insured through partner Cross River Bank. | - |
| Next Steps |
📈 Compare Savings Rates Over Time
Historical Performance
| Metric | Affirm | Marcus by Goldman Sachs |
|---|---|---|
| Affirm Money Account | Marcus Online Savings Account | |
Current APY | 3.60% | 3.65% |
Trend | Stable | Stable |
Velocity (bps/mo) | -2.8 | -2.4 |
Days Since Change | 75 | 196 |
10-Month High | 3.85% | 3.90% |
10-Month Low | 3.60% | 3.65% |
Adjustments / Mo | 0.09 | 0.19 |
Volatility Score | 0.030 | 0.025 |
How to read these metrics(Click to expand)
Compare Similar High-Yield Accounts
Compare Affirm vs...
Comparing against Standard Savings
Compare Marcus by Goldman Sachs vs...
Comparing against Standard Savings
Higher Rates (With Checking)
Looking for something different? Check out these top-rated alternatives.