Savings Account Comparison

Bask Bank vs. Marcus by Goldman Sachs

Comparing Bask Bank and Marcus by Goldman Sachs for savings: Bask Bank's Interest Savings Account pays 0.25% 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.

Analysis by Aviel Fahl
Updated March 7, 2026

The Bottom Line

Who pays more interest on $10,000? Marcus by Goldman Sachs pays $340 more than Bask Bank annually ($365 vs $25).

Choose Bask Bank if you want Zelle for quick transfers. Choose Marcus by Goldman Sachs if getting the best rate matters most, or BBB rating matters to you.

Comparison of Bask Bank vs Marcus by Goldman Sachs savings accounts
Metric

Bask Bank

Interest Savings Account

Mar 7, 2026

Marcus by Goldman Sachs

Marcus Online Savings Account

Mar 7, 2026
APY0.25%3.65%
Est. Earnings
$5,000+$13
$10,000+$25
$25,000+$63
$5,000+$183
$10,000+$365
$25,000+$912
Min Deposit
$0$0

Snapshot view. Rates subject to change.

Features
FDIC InsuredNo MinimumsGreat iOS AppGreat Android AppZelle® SupportedDaily 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.

See Top Rates

Comparison Analysis

Comparing Bask Bank vs. Marcus by Goldman Sachs

Updated: Mar 7, 2026

Executive Summary

Marcus by Goldman Sachs offers a competitive APY of 3.65% on its Marcus Online Savings Account, making it the clear winner compared to Bask Bank's Interest Savings Account, which has a lower APY of 0.25%. Both accounts require no minimum deposit or balance and have no maintenance fees, but Marcus stands out for its higher returns, especially at larger deposit amounts. Additionally, both banks operate online-only, providing convenience without physical branches. For those seeking a higher yield, Marcus's offering is significantly more advantageous.

The analysis is based on current Banksparency database records

* This content is provided for informational purposes only; always verify details with the provider.

Why Bask Bank?

  • Fast transfers via Zelle®

Why Marcus by Goldman Sachs?

  • Higher potential APY (3.65% vs 0.25%) on all balances
  • No checking account or direct deposit required

— Key Feature Differences —

Better Returns at $10,000
Marcus by Goldman Sachs

Marcus by Goldman Sachs's Marcus Online Savings Account earns more on smaller deposits (approx. $365 vs $25/yr).

Better Returns at $25,000
Marcus by Goldman Sachs

Marcus by Goldman Sachs's Marcus Online Savings Account pulls ahead with larger amounts (approx. $912 vs $63/yr).

Best for Simplicity
Marcus by Goldman Sachs

Marcus by Goldman Sachs's Marcus Online Savings Account offers 3.65% APY with no bundling, direct deposit requirement or caps.

Best Mobile App Experience
Marcus by Goldman Sachs

Marcus by Goldman Sachs offers an iOS app rated 4.9 (vs. 4.7) and Android app rated 4.9 (vs. 4.6)

Shared Benefits

Both offer monthly maintenance-free account options Both banks have options with $0 opening deposit Available Nationwide Available to New & Existing Customers
The Bottom Line on APY (Interest Only)

Over a 1-year period, Marcus by Goldman Sachs's Marcus Online Savings Account pays $340 more interest on a $10,000 balance than Bask Bank's Interest Savings Account.

*This calculation assumes current rates remain consistent for 1 year and does not include temporary bonuses.

Bask BankMarcus by Goldman Sachs
Verify At
Bask Bank

Non-sponsored link to official site

Verify At
Marcus by Goldman Sachs

Non-sponsored link to official site

Top Market Contenders

Bask Bank vs. Marcus by Goldman Sachs Savings Calculator

Calculations based on current APY for Interest Savings Account and Marcus Online Savings Account
$
$

You earn $340 more with Marcus by Goldman Sachs than Bask Bank 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.

Bask Bank

Interest Savings Account

0.25% APY

Savings Breakdown

  • Interest Earned
    +$25.00(0.2%)
  • Total Contributions
    $0
  • Initial Deposit
    $10,000

Projected Balance

$10,025.00

Effective APY
0.25%

Marcus by Goldman Sachs

Marcus Online Savings Account

3.65% APY

Savings Breakdown

  • Interest Earned
    +$365.00(3.5%)
  • Total Contributions
    $0
  • Initial Deposit
    $10,000

Projected Balance

$10,365.00

Effective APY
3.65%

The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.

FeatureBask BankMarcus by Goldman Sachs
APY
0.25%
Verified: 3/7/2026
↘︎ 3.65%90d Change
3.65%
Verified: 3/7/2026
Stable (90d)
Product NameInterest Savings AccountMarcus Online Savings Account
Minimum Deposit$0$0
Min. Balance for APY$0$0
Monthly Fee$0$0
Compound FrequencyDailyDaily
Branch AccessNoneNone
Account Type
Online Only
Online Only
Physical BranchesNoneN/A
Direct Deposit Req.NoneNone
Checking BundleNoNo
Mobile Apps
iOS4.7
Android4.6
iOS4.9
Android4.9
FDIC Insured
Zelle® Support
Available
Available for Interest Checking; not for standalone savings.
Not Supported
BBB RatingBA+
Next Steps
Visit Site

Non-sponsored link to official site

Visit Site

Non-sponsored link to official site

📈 Compare Savings Rates Over Time

Historical Performance

Last 12 Months Analysis
MetricBask BankMarcus by Goldman Sachs
Interest Savings AccountMarcus Online Savings Account
Current APY
0.25%3.65%
Trend
Stable Stable
Velocity (bps/mo)
-21.0-1.1
Days Since Change
32283
12-Month High
4.35%3.90%
12-Month Low
0.25%3.65%
Adjustments / Mo
0.490.16
Volatility Score
0.3340.016
How to read these metrics(Click to expand)

Trends & Velocity

  • Trend: The general direction of the rate over the analyzed period. Useful for spotting if a bank is currently aggressive or pulling back.
  • Velocity (bps/mo): Speed of change. A high positive number means they raise rates quickly. 10 bps = 0.10%.
  • Adjustments/Mo: "Twitchiness." High frequency means the rate changes constantly; low frequency means it's stable.

Risk & Range

  • High/Low: The absolute ceiling and floor of the rate during the 365-day window.
  • Volatility Score: Lower is better for predictability. It indicates how wildly the rate swings relative to its average.
  • Days Since Change: If this number is high (e.g., >90), the rate is very sticky. If low, it changed recently.

More Comparisons

Compare Bask Bank's APY of 0.25% with other banks
Compare Marcus by Goldman Sachs' APY of 3.65% with other banks
Bank PairCompetitor APYMin Deposit
Marcus by Goldman Sachs vs Affirm3.20%$0
Marcus by Goldman Sachs vs Ally Bank3.20%$0
Marcus by Goldman Sachs vs American Express3.30%$0
Marcus by Goldman Sachs vs Axos Bank4.21%$0
Marcus by Goldman Sachs vs Bank of America0.01%$100
Marcus by Goldman Sachs vs Barclays3.85%$0
Marcus by Goldman Sachs vs Betterment3.90%$10
Marcus by Goldman Sachs vs BMO Alto3.15%$0
Marcus by Goldman Sachs vs Bread Savings4.00%$100
Marcus by Goldman Sachs vs BrioDirect3.75%$5,000
Marcus by Goldman Sachs vs Capital One3.30%$0
Marcus by Goldman Sachs vs Carver Bank4.00%$5,000
Marcus by Goldman Sachs vs Charles Schwab Bank0.15%$0
Marcus by Goldman Sachs vs Chase Bank0.01%$0
Marcus by Goldman Sachs vs Chime3.00%$0
Marcus by Goldman Sachs vs CIT Bank3.75%$100
Marcus by Goldman Sachs vs Citibank3.20%$0
Marcus by Goldman Sachs vs Citizens Access™3.15%$0.01
Marcus by Goldman Sachs vs Climate First Bank4.01%$50
Marcus by Goldman Sachs vs Colorado Federal Savings Bank4.05%$50,000
Marcus by Goldman Sachs vs Discover Bank3.30%$0
Marcus by Goldman Sachs vs E*TRADE from Morgan Stanley3.35%$0
Marcus by Goldman Sachs vs Elevault3.82%$0
Marcus by Goldman Sachs vs EverBank3.90%$0
Marcus by Goldman Sachs vs Fitness Bank4.50%$100
Marcus by Goldman Sachs vs FNBO Direct3.00%$1
Marcus by Goldman Sachs vs Forbright Bank3.85%$0
Marcus by Goldman Sachs vs FVCbank4.00%$500
Marcus by Goldman Sachs vs GO2bank4.50%$0
Marcus by Goldman Sachs vs Ivy Bank3.85%$2,500
Marcus by Goldman Sachs vs Jenius Bank4.05%$0
Marcus by Goldman Sachs vs LendingClub4.00%$0
Marcus by Goldman Sachs vs MutualOne Bank4.07%$20,000
Marcus by Goldman Sachs vs My Banking Direct4.02%$500
Marcus by Goldman Sachs vs Neighbors Bank4.20%$0
Marcus by Goldman Sachs vs Newtek Bank4.20%$0.01
Marcus by Goldman Sachs vs Openbank4.09%$500
Marcus by Goldman Sachs vs Peak Bank4.02%$100
Marcus by Goldman Sachs vs Pibank4.60%$0
Marcus by Goldman Sachs vs PNC3.25%$0
Marcus by Goldman Sachs vs Popular Direct3.90%$100
Marcus by Goldman Sachs vs Presidential Bank3.75%$5,000
Marcus by Goldman Sachs vs Quontic Bank3.50%$100
Marcus by Goldman Sachs vs Salem Five Direct3.61%$10
Marcus by Goldman Sachs vs Sallie Mae Bank3.85%$0
Marcus by Goldman Sachs vs Santander Bank0.01%$25
Marcus by Goldman Sachs vs SoFi Bank4.00%$0
Marcus by Goldman Sachs vs Synchrony Bank3.50%$0
Marcus by Goldman Sachs vs TD Bank2.36%$0
Marcus by Goldman Sachs vs TIMBR4.15%$1,000
Marcus by Goldman Sachs vs UFB Direct3.46%$5000
Marcus by Goldman Sachs vs Upgrade3.05%$0
Marcus by Goldman Sachs vs Valley Direct4.00%$1,000
Marcus by Goldman Sachs vs Varo Bank5.00%$0
Marcus by Goldman Sachs vs Vio Bank4.03%$100
Marcus by Goldman Sachs vs Wealthfront4.20%$0
Marcus by Goldman Sachs vs Wells Fargo0.05%$25
Marcus by Goldman Sachs vs Zynlo Bank3.85%$10