Affirm vs. Marcus by Goldman Sachs
Comparing Affirm and Marcus by Goldman Sachs for high-yield savings: Affirm's Affirm Money Account pays 3.20% APY while Marcus by Goldman Sachs's Marcus Online Savings Account pays 3.65% APY.
See how they compare on rate stability, mobile app ratings, and more below.
The Bottom Line
Who pays more interest on $10,000? Marcus by Goldman Sachs pays $45 more than Affirm annually ($365 vs $320).
Choose Marcus by Goldman Sachs if getting the best rate matters most.
| Metric | AffirmAffirm Money Account Feb 6, 2026 | Marcus by Goldman SachsMarcus Online Savings Account Feb 6, 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 AppDaily CompoundingRate Changes Often | FDIC InsuredNo MinimumsGreat iOS AppGreat Android AppDaily CompoundingStable Rate |
Market Reality Check
Both of these banks offer rates below the current top tier. The best rates we track are currently above 4.15% APY.
Comparison Analysis
Comparing Affirm vs. Marcus by Goldman Sachs
Executive Summary
Marcus by Goldman Sachs offers a competitive 3.65% APY with its Marcus Online Savings Account, making it the top choice for savers seeking higher returns. This account, which is online-only and requires no minimum deposit or balance, provides daily compounding and is FDIC-insured. In comparison, Affirm's Money Account offers a lower 3.20% APY, also with no minimum requirements and daily compounding, but it is not a bank itself and is FDIC-insured through a partner. Overall, Marcus by Goldman Sachs stands out for those looking for better returns.
The analysis is based on current Banksparency database records
* This content is provided for informational purposes only; always verify details with the provider.
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.
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.
Still banking with Chase, Bank of America, or Wells Fargo?
On a $10,000 balance, you're missing out on at least $319 per year in interest.
Both Affirm and Marcus by Goldman Sachs dramatically outperform the typical 0.01% APY at traditional big banks.
| Feature | Affirm | Marcus by Goldman Sachs |
|---|---|---|
| APY | 3.20% Verified: 2/6/2026 ↘︎ 0.40%90d Change | 3.65% Verified: 2/6/2026 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 |
| Compound Frequency | Daily | Daily |
| Branch Access | None | None |
| Account Type | Online Only | Online Only |
| Physical Branches | None | N/A |
| Direct Deposit Req. | None | None |
| Checking Bundle | No | No |
| Mobile Apps | ||
| FDIC Insured | YesVerify FDIC | YesVerify FDIC |
| 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) | -4.2 | -1.8 |
Days Since Change | 31 | 254 |
12-Month High | 3.85% | 3.90% |
12-Month Low | 3.20% | 3.65% |
Adjustments / Mo | 0.33 | 0.16 |
Volatility Score | 0.057 | 0.022 |
How to read these metrics(Click to expand)
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More Comparisons
Compare Affirm's APY of 3.20% with other banks
| Bank Pair | Competitor APY | Min Deposit |
|---|---|---|
| Affirm vs Ally Bank | 3.30% | $0 |
| Affirm vs American Express | 3.30% | $0 |
| Affirm vs Axos Bank | 4.21% | $0 |
| Affirm vs Bank of America | 0.01% | $100 |
| Affirm vs Barclays | 4.00% | $0 |
| Affirm vs Capital One | 3.30% | $0 |
| Affirm vs Chase Bank | 0.01% | $0 |
| Affirm vs Chime | 3.00% | $0 |
| Affirm vs CIT Bank | 3.75% | $100 |
| Affirm vs Citibank | 3.20% | $0 |
| Affirm vs Discover Bank | 3.30% | $0 |
| Affirm vs EverBank | 3.90% | $0 |
| Affirm vs Newtek Bank | 4.20% | $0.01 |
| Affirm vs Openbank | 4.09% | $500 |
| Affirm vs Pibank | 4.60% | $0 |
| Affirm vs SoFi Bank | 4.00% | $0 |
| Affirm vs Synchrony Bank | 3.50% | $0 |
| Affirm vs Varo Bank | 5.00% | $0 |
| Affirm vs Wealthfront | 3.95% | $0 |
| Affirm vs Wells Fargo | 0.05% | $25 |