Ally Bank vs Marcus By Goldman Sachs
High-Yield Savings Accounts Comparison
Last Updated: July 15, 2025
Summary of Ally Bank vs. Marcus by Goldman Sachs
As of July 15, 2025 Ally Bank offers an APY of 3.50% for its Savings Account account, compared to Marcus by Goldman Sachs's 3.65% APY for its Marcus Online Savings Account account.
Marcus by Goldman Sachs yields $15 more than Ally Bank on a $10,000 balance after one year. Ally Bank pays $350, while Marcus by Goldman Sachs pays $365 - an APY advantage for Marcus by Goldman Sachs.
Ally Bank
Strengths
- Ally Bank's current APY is 3.50%, down from 3.60% last month.
- Ally Bank has a solid App Store rating of 4.7.
- No maintenance fees are charged for Ally Bank's savings account.
Potential Drawbacks
- Ally Bank's APY is lower than Marcus by Goldman Sachs' 3.65%.
- Ally Bank's Google Play rating is 4.4, lower than Marcus' 4.1.
Marcus by Goldman Sachs
Strengths
- Marcus by Goldman Sachs offers a competitive APY of 3.65%, unchanged from last month.
- Marcus by Goldman Sachs has a higher App Store rating of 4.8.
- No maintenance fees are charged for Marcus' savings account.
Potential Drawbacks
- Marcus by Goldman Sachs has a lower Google Play rating of 4.1 compared to Ally Bank's 4.4.
- Marcus by Goldman Sachs does not offer a higher APY than Ally Bank.
Summary: Ally Bank offers an APY of 3.50%, down from 3.60%, while Marcus by Goldman Sachs provides a stable 3.65%. Both banks have no maintenance fees. Ally Bank has a slightly lower App Store rating of 4.7 compared to Marcus' 4.8, but a higher Google Play rating of 4.4 against Marcus' 4.1. Overall, Marcus offers a better APY, while Ally has stronger ratings on Google Play.
Compare Ally Bank's vs Marcus by Goldman Sachs' Savings Accounts
| Ally Bank | Marcus by Goldman Sachs | ||
|---|---|---|---|
| Product | Savings Account | vs | Marcus Online Savings Account |
| APY | 3.50% (as of 7/15/2025) | 3.65% (as of 7/15/2025) | |
| Bundled Account | No | No | |
| FDIC-insured | Yes | Yes | |
| Online Only | Yes | Yes | |
| Compound Frequency | Daily | Daily | |
| Minimum Deposit | $0 | $0 | |
| Minimum Balance for APY | $0 | $0 | |
| Maintenance Fee | $0 | $0 | |
| Direct Deposit Required | No | No | |
| Visit Bank | Savings Account | Marcus Online Savings Account | |
| App Store Rating | 4.7/5 | 4.8/5 | |
| Google Play Rating | 4.4/5 | 4.1/5 | |
| BBB Rating | A+ | A+ |
Comparative Historical APY Insights (Last 6 Months)
| Ally Bank | Marcus by Goldman Sachs | ||
|---|---|---|---|
| Product | Savings Account | vs | Marcus Online Savings Account |
| Latest APY | 3.50 % | 3.65 % | |
| Trend | Sideways | Falling | |
| Slope (bps/mo) | -4.9 | -5.7 | |
| Rate Changes / Mo | 0.53 | 0.36 | |
| Days Since Last Change | 27 | 48 | |
| High (-6 m) | 3.80 % | 3.90 % | |
| Low (-6 m) | 3.50 % | 3.65 % | |
| Draw-down from High | -7.9 % | -6.4 % | |
| Volatility (CV) | 0.024 | 0.026 |
APY Insights Glossary
- Latest APY
- Most recent advertised annual-percentage yield.
- Trend
- Direction over the last 6 months (regression slope).
- Slope (bps/mo)
- Average monthly change; 10 bps = 0.10 pp.
- Rate Changes / Mo
- Typical number of APY moves per month.
- Days Since Last Change
- Recency of the latest APY adjustment.
- High (-6 m)
- Highest APY in the last 169 days.
- Low (-6 m)
- Lowest APY in the last 169 days.
- Draw-down from High
- How far today sits below the 6-month peak.
- Volatility (CV)
- Coefficient of variation = stdev ÷ mean.
Why Track Savings-Account APYs?
- See how quickly a bank reacts to Fed moves or competition.
- Gauge “twitchiness” - frequent moves can annoy savers.
- Spot if you're buying near a peak (draw-down) or riding a rise.
- Slope (bps/mo) shows speed of change.
- Volatility (CV) scales jumps by average level.
Calculate Savings Growth for Ally Bank vs Marcus by Goldman Sachs
All calculations are based on APY.
Ally Bank
APY: 3.50%
Total savings breakdown:
- Interest earned: $35 (3.38%)
- Total contributions: $0 (0.00%)
- Initial deposit: $1,000 (96.62%)
Your total balance
$1,035.00
Effective APY: 3.50% (based on your deposit and contributions)
Total balance: $1,035
Earnings: $35
Bank DetailsMarcus by Goldman Sachs
APY: 3.65%
Total savings breakdown:
- Interest earned: $36.5 (3.52%)
- Total contributions: $0 (0.00%)
- Initial deposit: $1,000 (96.48%)
Your total balance
$1,036.50
Effective APY: 3.65% (based on your deposit and contributions)
Total balance: $1,036.5
Earnings: $36.5
Bank DetailsAfter 1 year Ally Bank would earn you $1.5 less than Marcus by Goldman Sachs.
More Comparisons
Compare Ally Bank's APY of 3.50% with other banks
| Bank Pair | Best APY | Min Deposit |
|---|---|---|
| Ally Bank vs American Express | 3.60% | $0 |
| Ally Bank vs Axos Bank | 4.66% | $0 |
| Ally Bank vs Bank of America | 0.01% | $100 |
| Ally Bank vs Barclays | 4.10% | $0 |
| Ally Bank vs Capital One | 3.50% | $0 |
| Ally Bank vs Chase Bank | 0.01% | $0 |
| Ally Bank vs Chime | 3.75% | $0 |
| Ally Bank vs CIT Bank | 4.00% | $100 |
| Ally Bank vs Discover Bank | 3.50% | $0 |
| Ally Bank vs Fitness Bank | 5.00% | $100 |
| Ally Bank vs Presidential Bank | 4.50% | $5,000 |
| Ally Bank vs SoFi Bank | 3.80% | $0 |
| Ally Bank vs Synchrony Bank | 3.80% | $0 |
| Ally Bank vs Varo Bank | 5.00% | $0 |
| Ally Bank vs Wells Fargo | 2.51% | $25 |
Compare Marcus by Goldman Sachs' APY of 3.65% with other banks
| Bank Pair | Best APY | Min Deposit |
|---|---|---|
| Marcus by Goldman Sachs vs American Express | 3.60% | $0 |
| Marcus by Goldman Sachs vs Axos Bank | 4.66% | $0 |
| Marcus by Goldman Sachs vs Bank of America | 0.01% | $100 |
| Marcus by Goldman Sachs vs Barclays | 4.10% | $0 |
| Marcus by Goldman Sachs vs Capital One | 3.50% | $0 |
| Marcus by Goldman Sachs vs Chase Bank | 0.01% | $0 |
| Marcus by Goldman Sachs vs Chime | 3.75% | $0 |
| Marcus by Goldman Sachs vs CIT Bank | 4.00% | $100 |
| Marcus by Goldman Sachs vs Discover Bank | 3.50% | $0 |
| Marcus by Goldman Sachs vs Fitness Bank | 5.00% | $100 |
| Marcus by Goldman Sachs vs Presidential Bank | 4.50% | $5,000 |
| Marcus by Goldman Sachs vs SoFi Bank | 3.80% | $0 |
| Marcus by Goldman Sachs vs Synchrony Bank | 3.80% | $0 |
| Marcus by Goldman Sachs vs Varo Bank | 5.00% | $0 |
| Marcus by Goldman Sachs vs Wells Fargo | 2.51% | $25 |