Axos Bank vs Marcus By Goldman Sachs
High-Yield Savings Accounts Comparison
Last Updated: August 29, 2025
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Summary of Axos Bank vs. Marcus by Goldman Sachs
As of August 29, 2025 Axos Bank offers an APY of 4.46% for its Axos ONE account, compared to Marcus by Goldman Sachs's 3.65% APY for its Marcus Online Savings Account account.
Axos Bank yields $81 more than Marcus by Goldman Sachs on a $10,000 balance after one year. Axos Bank pays $446, while Marcus by Goldman Sachs pays $365 - an APY advantage for Axos Bank.
In addition, Axos Bank also offers 4.00% APY for the Summit Savings account.
Axos Bank
Strengths
- Axos Bank offers a higher APY of 4.46% compared to Marcus's 3.65%.
- Axos Bank has a better App Store rating of 4.7 versus Marcus's 4.8.
- Axos Bank is BBB Accredited with an A+ rating.
Potential Drawbacks
- Axos Bank's APY decreased from 4.66% in the last 30 days.
- Axos Bank requires higher average balances for the highest APY.
- Axos Bank has no physical branches.
Marcus by Goldman Sachs
Strengths
- Marcus offers a straightforward high-yield savings account with no direct deposit requirement.
- Marcus maintains a consistent APY of 3.65% over the last 30 days.
- Marcus has a Google Play rating of 4.1.
Potential Drawbacks
- Marcus's APY of 3.65% is significantly lower than Axos Bank's 4.46%.
- Marcus lacks a BBB Accreditation note.
- Marcus has a lower App Store rating of 4.8 compared to Axos Bank.
Summary: Axos Bank provides a higher APY of 4.46% for its high-yield savings account, but it requires higher balances to qualify. In contrast, Marcus by Goldman Sachs offers a stable APY of 3.65% without requiring direct deposits. Both banks have an A+ BBB rating, but only Axos is BBB Accredited. Additionally, Axos has a better App Store rating, while Marcus has a lower Google Play rating.
Compare Axos Bank's vs Marcus by Goldman Sachs' Savings Accounts
| Axos Bank | Marcus by Goldman Sachs | ||||
|---|---|---|---|---|---|
| Product | Axos ONE | Summit Savings | High Yield Savings | vs | Marcus Online Savings Account |
| APY | 4.46% (as of 8/29/2025) | 4.00% (as of 8/29/2025) | 0.61% (as of 8/29/2025) | 3.65% (as of 8/29/2025) | |
| Bundled Account | Yes | No | No | No | |
| FDIC-insured | Yes | Yes | Yes | Yes | |
| Online Only | Yes | Yes | Yes | Yes | |
| Compound Frequency | Daily | Daily | Daily | Daily | |
| Minimum Deposit | $0 | $0 | $0 | $0 | |
| Minimum Balance for APY | $0 | $0 | $0 | $0 | |
| Maintenance Fee | $0 | $0 | $0 | $0 | |
| Direct Deposit Required | No. Not required, but is the easiest way to earn the highest APY. | No | No | No | |
| Note | This APY is only available with the Axos ONE savings and checking bundle. To qualify, you must either set up a direct deposit of $1,500 and maintain an average daily balance of more than $1,500 in your ONE Checking account, or receive at least $5,000 in total monthly qualifying deposits and maintain an average daily balance of more than $5,000. | ||||
| Sponsored Link | LEARN MORE at Axos Bank, Member FDIC | ||||
| App Store Rating | 4.7/5 | 4.8/5 | |||
| Google Play Rating | 4.5/5 | 4.1/5 | |||
| BBB Rating | A+ | A+ | |||
Comparative Historical APY Insights (Last 7 Months)
| Axos Bank | Marcus by Goldman Sachs | ||||
|---|---|---|---|---|---|
| Product | High Yield Savings | Summit Savings | Axos ONE | vs | Marcus Online Savings Account |
| Latest APY | 0.61 % | 4.00 % | 4.46 % | 3.65 % | |
| Trend | Sideways | Sideways | Falling | Sideways | |
| Slope (bps/mo) | -0.0 | 0.0 | -5.4 | -4.5 | |
| Rate Changes / Mo | 0.00 | 0.00 | 0.28 | 0.28 | |
| Days Since Last Change | 214 | 61 | 29 | 94 | |
| High (-7 m) | 0.61 % | 4.00 % | 4.86 % | 3.90 % | |
| Low (-7 m) | 0.61 % | 4.00 % | 4.46 % | 3.65 % | |
| Draw-down from High | 0.0 % | 0.0 % | -8.2 % | -6.4 % | |
| Volatility (CV) | 0.000 | 0.000 | 0.027 | 0.027 | |
APY Insights Glossary
- Latest APY
- Most recent advertised annual-percentage yield.
- Trend
- Direction over the last 7 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 (-7 m)
- Highest APY in the last 214 days.
- Low (-7 m)
- Lowest APY in the last 214 days.
- Draw-down from High
- How far today sits below the 7-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 Axos Bank vs Marcus by Goldman Sachs
All calculations are based on APY.
Axos Bank
APY: 4.46%
Total savings breakdown:
- Interest earned: $2,733.9 (13.19%)
- Total contributions: $13,000 (62.70%)
- Initial deposit: $5,000 (24.12%)
Your total balance
$20,733.90
Effective APY: 4.46% (based on your deposit and contributions)
Total balance: $20,733.9
Earnings: $2,733.9
Marcus by Goldman Sachs
APY: 3.65%
Total savings breakdown:
- Interest earned: $2,209.7 (10.93%)
- Total contributions: $13,000 (64.33%)
- Initial deposit: $5,000 (24.74%)
Your total balance
$20,209.70
Effective APY: 3.65% (based on your deposit and contributions)
Total balance: $20,209.7
Earnings: $2,209.7
Bank OverviewWith a $5,000 initial deposit and $13,000 in total contributions over 5 years, Axos Bank's total earnings would be $524.2 higher than Marcus by Goldman Sachs's total earnings.
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
More Comparisons
Compare Axos Bank's APY of 4.46% with other banks
| Bank Pair | Best APY | Min Deposit |
|---|---|---|
| Axos Bank vs Ally Bank | 3.50% | $0 |
| Axos Bank vs American Express | 3.50% | $0 |
| Axos Bank vs Bank of America | 0.01% | $100 |
| Axos Bank vs Barclays | 4.10% | $0 |
| Axos Bank vs Capital One | 3.50% | $0 |
| Axos Bank vs Chase Bank | 0.01% | $0 |
| Axos Bank vs Chime | 3.75% | $0 |
| Axos Bank vs CIT Bank | 4.00% | $100 |
| Axos Bank vs Discover Bank | 3.50% | $0 |
| Axos Bank vs Fitness Bank | 4.85% | $100 |
| Axos Bank vs Presidential Bank | 4.50% | $5,000 |
| Axos Bank vs SoFi Bank | 3.80% | $0 |
| Axos Bank vs Synchrony Bank | 3.80% | $0 |
| Axos Bank vs Varo Bank | 5.00% | $0 |
| Axos 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 Ally Bank | 3.50% | $0 |
| Marcus by Goldman Sachs vs American Express | 3.50% | $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 | 4.85% | $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 UFB Direct | 4.21% | $5000 |
| Marcus by Goldman Sachs vs Varo Bank | 5.00% | $0 |
| Marcus by Goldman Sachs vs Wells Fargo | 2.51% | $25 |