Betterment vs. Marcus by Goldman Sachs
Compare rates, requirements, and features side-by-side to find the best option for you.
Betterment
Cash Reserve
3.50%APYDec 10, 2025FDIC InsuredLow MinimumsGreat iOS AppGreat Android AppShow Fine Print & Trends Hide Details
Betterment
Cash Reserve
Marcus by Goldman Sachs
Marcus Online Savings Account
3.65%APYDec 10, 2025FDIC InsuredNo MinimumsGreat iOS AppGreat Android AppShow Fine Print & Trends Hide Details
Marcus by Goldman Sachs
Marcus Online Savings Account
Market Reality Check
Both of these banks offer rates below the current top tier. The best rates we track are currently above 4.25% APY.
Betterment vs. Marcus by Goldman Sachs Savings Calculator
Marcus by Goldman Sachs earns $95.6 more than Betterment.
Betterment
Cash Reserve
Savings Breakdown
- Interest Earned+$2,114.10(10.5%)
- Total Contributions$13,000
- Initial Deposit$5,000
Projected Balance
$20,114.10
Marcus by Goldman Sachs
Marcus Online Savings Account
Savings Breakdown
- Interest Earned+$2,209.70(10.9%)
- Total Contributions$13,000
- Initial Deposit$5,000
Projected Balance
$20,209.70
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
Comparison Analysis
Comparing Betterment vs. Marcus by Goldman Sachs
Why Betterment?
- ✓Higher rated Android app (4.7 vs 4.4)
Why Marcus by Goldman Sachs?
- ✓Higher potential APY (3.65% vs 3.50%) on all balances
— Key Feature Differences —
Better Returns at $10,000
Marcus by Goldman SachsMarcus by Goldman Sachs's Marcus Online Savings Account earns more on smaller deposits (approx. $365 vs $350/yr).
Better Returns at $25,000
Marcus by Goldman SachsMarcus by Goldman Sachs's Marcus Online Savings Account pulls ahead with larger amounts (approx. $912 vs $875/yr).
Shared Benefits
Over a 1-year period, Marcus by Goldman Sachs's Marcus Online Savings Account pays $15 more interest on a $10,000 balance than Betterment's Cash Reserve.
*This calculation assumes current rates remain consistent for 1 year and does not include temporary bonuses.
Executive Summary
Marcus by Goldman Sachs offers a competitive APY of 3.65% on its Marcus Online Savings Account, making it the higher-yield option compared to Betterment's Cash Reserve, which has an APY of 3.50%. Both accounts require no minimum balance and have no maintenance fees, but Marcus provides better returns, particularly on larger deposits. Both accounts are online-only and do not require direct deposit. For those looking for a straightforward savings account, Marcus stands out as the winner.
Analysis generated based on current Banksparency database records
* AI-generated content provided for informational purposes only. Accuracy is not guaranteed; always verify details with the provider.
Top Market Contenders
See who beats both Betterment and Marcus by Goldman Sachs.
| Feature | Betterment | Marcus by Goldman Sachs |
|---|---|---|
| APY | 3.50% Verified: 12/10/2025 ↘︎ 0.50%90d Change | 3.65% Verified: 12/10/2025 Stable (90d) |
| Product Name | Cash Reserve | Marcus Online Savings Account |
| Minimum Deposit | $10 | $0 |
| Min. Balance for APY | $0 | $0 |
| Monthly Fee | $0 | $0 |
| Branch Access | None | None |
| Account Type | Online Only | Online Only |
| Direct Deposit Req. | None | None |
| Checking Bundle | No | No |
| Mobile Apps | iOS4.8 Android4.7 | iOS4.9 Android4.4 |
| BBB Rating | A- | A+ |
| Next Steps |
📈 Compare Savings Rates Over Time
Historical Performance
| Metric | Betterment | Marcus by Goldman Sachs |
|---|---|---|
| Cash Reserve | Marcus Online Savings Account | |
Current APY | 3.50% | 3.65% |
Trend | Stable | Stable |
Velocity (bps/mo) | -4.7 | -2.4 |
Days Since Change | 39 | 196 |
10-Month High | 4.00% | 3.90% |
10-Month Low | 3.50% | 3.65% |
Adjustments / Mo | 0.19 | 0.19 |
Volatility Score | 0.049 | 0.025 |
How to read these metrics(Click to expand)
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