Axos Bank vs. Marcus By Goldman Sachs
High-Yield Savings Account Comparison
Last Updated: October 15, 2025
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Summary of Axos Bank vs. Marcus by Goldman Sachs
Key Metrics at a Glance
| Feature | Axos Bank | Marcus by Goldman Sachs |
|---|---|---|
| Top Savings APY | 4.51% Axos ONE | 3.65% Marcus Online Savings Account |
| Minimum to Open | $0 | $0 |
| Minimum Balance for APY | $0 | $0 |
Axos Bank
Strengths
- Axos Bank offers a high APY of 4.51%, up from 4.46% last month.
- Axos Bank has an A+ BBB rating and is BBB Accredited.
- Axos Bank's App Store rating is 4.7.
Potential Drawbacks
- Axos Bank requires either direct deposit or qualifying deposits for the highest APY.
- Axos Bank has no physical branches.
Marcus by Goldman Sachs
Strengths
- Marcus by Goldman Sachs has a steady APY of 3.65%, unchanged from last month.
- Marcus by Goldman Sachs has a higher Google Play rating of 4.1.
Potential Drawbacks
- Marcus by Goldman Sachs offers a lower APY compared to Axos Bank.
- Marcus by Goldman Sachs has no physical branches.
Summary: Axos Bank provides a significantly higher APY of 4.51% for its high-yield savings account, compared to Marcus by Goldman Sachs' 3.65%. Both banks have an A+ BBB rating, but Axos Bank is also BBB Accredited. While both banks operate online only, Axos Bank's App Store rating is slightly lower at 4.7 compared to Marcus's 4.8. However, Axos Bank has more stringent requirements to achieve its highest APY.
→ As of October 15, 2025 Axos Bank offers an APY of 4.51% for its Axos ONE 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.
→ Axos Bank yields $86 more than Marcus by Goldman Sachs on a $10,000 balance after one year. Axos Bank pays $451, 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.
Calculate Savings Growth for Axos Bank vs Marcus by Goldman Sachs
All calculations are based on APY.
Axos Bank
APY: 4.51%
Total savings breakdown:
- Interest earned: $2,766.7 (13.32%)
- Total contributions: $13,000 (62.60%)
- Initial deposit: $5,000 (24.08%)
Your total balance
$20,766.70
Effective APY: 4.51% (based on your deposit and contributions)
Total balance: $20,766.7
Earnings: $2,766.7
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 $557 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.
Compare Axos Bank's vs Marcus by Goldman Sachs' Savings Accounts
| Axos Bank | Marcus by Goldman Sachs | ||||
|---|---|---|---|---|---|
| Product | Summit Savings | Axos ONE | High Yield Savings | vs | Marcus Online Savings Account |
| APY | 4.00% (as of 10/15/2025) | 4.51% (as of 10/15/2025) | 0.61% (as of 10/15/2025) | 3.65% (as of 10/15/2025) | |
| Bundled Account | No | Yes | 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 | No. Not required, but is the easiest way to earn the highest APY. | 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 | 4.6/5 | 4.1/5 | |||
| BBB Rating | A+ | A+ | |||
Comparative Historical APY Insights (Last 9 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 % | 4.51 % | 3.65 % | |
| Trend | Sideways | Sideways | Falling | Sideways | |
| Slope (bps/mo) | 0.0 | 0.0 | -5.2 | -3.4 | |
| Rate Changes / Mo | 0.00 | 0.00 | 0.35 | 0.23 | |
| Days Since Last Change | 260 | 107 | 12 | 140 | |
| High (-9 m) | 0.61 % | 4.00 % | 4.86 % | 3.90 % | |
| Low (-9 m) | 0.61 % | 4.00 % | 4.46 % | 3.65 % | |
| Draw-down from High | 0.0 % | 0.0 % | -7.2 % | -6.4 % | |
| Volatility (CV) | 0.000 | 0.000 | 0.031 | 0.027 | |
APY Insights Glossary
- Latest APY
- Most recent advertised annual-percentage yield.
- Trend
- Direction over the last 9 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 (-9 m)
- Highest APY in the last 260 days.
- Low (-9 m)
- Lowest APY in the last 260 days.
- Draw-down from High
- How far today sits below the 9-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.
More Comparisons
Compare Axos Bank's APY of 4.51% with other banks
| Bank Pair | Competitor APY | Min Deposit |
|---|---|---|
| Axos Bank vs Ally Bank | 3.40% | $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 BrioDirect | 4.20% | $5,000 |
| Axos Bank vs Capital One | 3.40% | $0 |
| Axos Bank vs Chase Bank | 0.01% | $0 |
| Axos Bank vs Chime | 3.75% | $0 |
| Axos Bank vs CIT Bank | 3.85% | $100 |
| Axos Bank vs Discover Bank | 3.40% | $0 |
| Axos Bank vs Elevault | 4.34% | $0 |
| Axos Bank vs EverBank | 4.05% | $0 |
| Axos Bank vs Fitness Bank | 4.75% | $100 |
| Axos Bank vs FVCbank | 4.10% | $500 |
| Axos Bank vs GO2bank | 4.50% | $0 |
| Axos Bank vs Neighbors Bank | 4.50% | $0 |
| Axos Bank vs Newtek Bank | 4.35% | $0 |
| Axos Bank vs Peak Bank | 4.20% | $100 |
| Axos Bank vs Pibank | 4.60% | $0 |
| Axos Bank vs Presidential Bank | 4.50% | $5,000 |
| Axos Bank vs Santander Bank | 0.01% | $25 |
| Axos Bank vs SoFi Bank | 4.50% | $0 |
| Axos Bank vs Synchrony Bank | 3.80% | $0 |
| Axos Bank vs TIMBR | 4.40% | $1,000 |
| Axos Bank vs Varo Bank | 5.00% | $0 |
| Axos Bank vs Wells Fargo | 0.05% | $25 |
| Axos Bank vs Zynlo Bank | 4.20% | $10 |