Affirm vs. Marcus by Goldman Sachs
Compare rates, requirements, and features side-by-side to find the best option for you.
| Metric | AffirmAffirm Money Account Jan 16, 2026 | Marcus by Goldman SachsMarcus Online Savings Account Jan 16, 2026 |
|---|---|---|
| APY | 3.20% | 3.65% |
Est. Earnings | $5,000+$160 $10,000+$320 $25,000+$800 | $5,000+$183 $10,000+$365 $25,000+$912 |
Min Deposit | $0 | $0 |
Snapshot view. Rates subject to change. | ||
Terms | While Affirm is not a bank, it is FDIC-insured through partner Cross River Bank. | - |
| Features | FDIC InsuredNo MinimumsGreat iOS AppGreat Android App | FDIC InsuredNo MinimumsGreat iOS AppGreat Android App |
Market Reality Check
Both of these banks offer rates below the current top tier. The best rates we track are currently above 4.20% APY.
Comparison Analysis
Comparing Affirm vs. Marcus by Goldman Sachs
As of Affirm offers an APY of 3.20% for its Affirm Money Account, with a minimum balance of $0, compared to Marcus by Goldman Sachs's 3.65% APY for its Marcus Online Savings Account, with a minimum balance of $0.
Marcus by Goldman Sachs pays $45 more than Affirm on a $10,000 balance after one year. Affirm pays $320, while Marcus by Goldman Sachs pays $365 - an APY advantage for Marcus by Goldman Sachs.
Why Affirm?
No distinct advantages found vs Marcus by Goldman Sachs.
Why Marcus by Goldman Sachs?
- ✓Higher potential APY (3.65% vs 3.20%) on all balances
— Key Feature Differences —
Better Returns at $10,000
Marcus by Goldman SachsMarcus by Goldman Sachs's Marcus Online Savings Account earns more on smaller deposits (approx. $365 vs $320/yr).
Better Returns at $25,000
Marcus by Goldman SachsMarcus by Goldman Sachs's Marcus Online Savings Account pulls ahead with larger amounts (approx. $912 vs $800/yr).
Best for Simplicity
Marcus by Goldman SachsMarcus by Goldman Sachs's Marcus Online Savings Account offers 3.65% APY with no bundling, direct deposit requirement or caps.
Shared Benefits
Over a 1-year period, Marcus by Goldman Sachs's Marcus Online Savings Account pays $45 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 as of
Marcus by Goldman Sachs offers a competitive APY of 3.65% with its Marcus Online Savings Account, making it the winner in this comparison. This account is online-only and requires no minimum deposit or maintenance fees, providing simplicity and attractive returns, especially for larger deposits. In contrast, Affirm's Money Account offers a lower APY of 3.20%, also with no minimum deposit or fees, but it is not the primary focus due to its lower yield. Both accounts are FDIC-insured and do not require direct deposit.
The analysis is based on current Banksparency database records
* This content is provided for informational purposes only; always verify details with the provider.
Non-sponsored link to official site
Non-sponsored link to official site
Top Market Contenders
Affirm vs. Marcus by Goldman Sachs Savings Calculator
You earn $45 more with Marcus by Goldman Sachs than Affirm on a $10,000 initial deposit for 1 year*.
*This calculation assumes that APYs remain unchanged for 1 year, and takes into account known promo rate periods, but does not factor in bonuses. You can see how often these banks have changed their rates in the Compare Savings Rates Over Time section below.
Affirm
Affirm Money Account
Savings Breakdown
- Interest Earned+$320.00(3.1%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,320.00
Marcus by Goldman Sachs
Marcus Online Savings Account
Savings Breakdown
- Interest Earned+$365.00(3.5%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,365.00
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
| Feature | Affirm | Marcus by Goldman Sachs |
|---|---|---|
| APY | 3.20% Verified: 1/16/2026 ↘︎ 0.40%90d Change | 3.65% Verified: 1/16/2026 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 Android4.9 |
| Zelle® Support | Not Supported | Not Supported |
| BBB Rating | A+ | A+ |
| Important Notes | While Affirm is not a bank, it is FDIC-insured through partner Cross River Bank. | - |
| Next Steps | Visit SiteVerify at Affirm Non-sponsored link to official site | Visit SiteVerify at Marcus by Goldman Sachs Non-sponsored link to official site |
📈 Compare Savings Rates Over Time
Historical Performance
| Metric | Affirm | Marcus by Goldman Sachs |
|---|---|---|
| Affirm Money Account | Marcus Online Savings Account | |
Current APY | 3.20% | 3.65% |
Trend | Stable | Stable |
Velocity (bps/mo) | -3.0 | -2.0 |
Days Since Change | 10 | 233 |
12-Month High | 3.85% | 3.90% |
12-Month Low | 3.20% | 3.65% |
Adjustments / Mo | 0.34 | 0.17 |
Volatility Score | 0.043 | 0.024 |
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
High Rates (With Checking Bundle)
Looking for something different? Check out these top-rated alternatives.