Bask Bank vs. Marcus By Goldman Sachs
High-Yield Savings Account Comparison
By Aviel Fahl|Last Updated: October 16, 2025
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Summary of Bask Bank vs. Marcus by Goldman Sachs
Key Metrics at a Glance
| Feature | Bask Bank | Marcus by Goldman Sachs |
|---|---|---|
| Top Savings APY | 4.05% Interest Savings Account | 3.65% Marcus Online Savings Account |
| Minimum to Open | $0 | $0 |
| Minimum Balance for Top APY | $0 | $0 |
Bask Bank
Strengths
- Bask Bank offers a higher APY of 4.05% compared to Marcus's 3.65%.
- Bask Bank has a better App Store rating of 4.7 versus Marcus's 4.8.
- No maintenance fees for Bask Bank's Interest Savings Account.
Potential Drawbacks
- Bask Bank's APY decreased from 4.15% in the last 30 days.
- Bask Bank has a lower BBB rating of B and is not accredited.
- Bask Bank has no branches, which may limit customer support.
Marcus by Goldman Sachs
Strengths
- Marcus by Goldman Sachs has a higher BBB rating of A+.
- Marcus has a stable APY of 3.65%, unchanged in the last 30 days.
- Marcus offers an App Store rating of 4.8, higher than Bask Bank.
Potential Drawbacks
- Marcus's APY of 3.65% is lower than Bask Bank's 4.05%.
- Marcus has a lower Google Play rating of 4.1 compared to Bask Bank.
- Marcus has no branches, which may limit customer support.
→ As of October 16, 2025 Bask Bank offers an APY of 4.05% for its Interest Savings 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.
→ Bask Bank yields $40 more than Marcus by Goldman Sachs on a $10,000 balance after one year. Bask Bank pays $405, while Marcus by Goldman Sachs pays $365 - an APY advantage for Bask Bank.
Calculate Savings Growth for Bask Bank vs Marcus by Goldman Sachs
Bask Bank
Total savings breakdown:
- Interest earned: $2,467 (12.05%)
- Total contributions: $13,000 (63.52%)
- Initial deposit: $5,000 (24.43%)
Your total balance
$20,467.00
Total balance: $20,467
Earnings: $2,467
Bank OverviewMarcus by Goldman Sachs
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
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, Bask Bank's total earnings would be $257.3 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 Bask Bank's vs Marcus by Goldman Sachs' Savings Accounts
| Bask Bank | Marcus by Goldman Sachs | ||
|---|---|---|---|
| Product | Interest Savings Account | vs | Marcus Online Savings Account |
| APY | 4.05% (as of 10/16/2025) | 3.65% (as of 10/16/2025) | |
| 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 | |
| App Store Rating | 4.7/5 | 4.8/5 | |
| Google Play Rating | 4.5/5 | 4.1/5 | |
| BBB Rating | B | A+ |
Comparative Historical APY Insights (Last 9 Months)
| Bask Bank | Marcus by Goldman Sachs | ||
|---|---|---|---|
| Product | Interest Savings Account | vs | Marcus Online Savings Account |
| Latest APY | 4.05 % | 3.65 % | |
| Trend | Sideways | Sideways | |
| Slope (bps/mo) | -3.6 | -3.4 | |
| Rate Changes / Mo | 0.46 | 0.23 | |
| Days Since Last Change | 27 | 141 | |
| High (-9 m) | 4.50 % | 3.90 % | |
| Low (-9 m) | 4.05 % | 3.65 % | |
| Draw-down from High | -10.0 % | -6.4 % | |
| Volatility (CV) | 0.024 | 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 262 days.
- Low (-9 m)
- Lowest APY in the last 262 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.