Bread Savings vs. Marcus by Goldman Sachs
Compare rates, requirements, and features side-by-side to find the best option for you.
Bread Savings
High-Yield Savings Account
4.10%APYDec 10, 2025FDIC InsuredLow MinimumsGreat iOS AppGreat Android AppShow Fine Print & Trends Hide Details
Bread Savings
High-Yield Savings Account
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.
Bread Savings vs. Marcus by Goldman Sachs Savings Calculator
Bread Savings earns $289.7 more than Marcus by Goldman Sachs.
Bread Savings
High-Yield Savings Account
Savings Breakdown
- Interest Earned+$2,499.40(12.2%)
- Total Contributions$13,000
- Initial Deposit$5,000
Projected Balance
$20,499.40
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 Bread Savings vs. Marcus by Goldman Sachs
Why Bread Savings?
- ✓Higher potential APY (4.10% vs 3.65%) on all balances
Why Marcus by Goldman Sachs?
No distinct advantages found vs Bread Savings.
— Key Feature Differences —
Better Returns at $10,000
Bread SavingsBread Savings's High-Yield Savings Account earns more on smaller deposits (approx. $410 vs $365/yr).
Better Returns at $25,000
Bread SavingsBread Savings's High-Yield Savings Account pulls ahead with larger amounts (approx. $1025 vs $912/yr).
Best for Simplicity
Bread SavingsBread Savings's High-Yield Savings Account offers 4.10% APY with no bundling, direct deposit requirement or caps.
Shared Benefits
Over a 1-year period, Bread Savings's High-Yield Savings Account pays $45 more interest on a $10,000 balance than Marcus by Goldman Sachs's Marcus Online Savings Account.
*This calculation assumes current rates remain consistent for 1 year and does not include temporary bonuses.
Executive Summary
Bread Savings offers a High-Yield Savings Account with a competitive APY of 4.10%, making it the superior choice compared to Marcus by Goldman Sachs, which provides an APY of 3.65% through its Online Savings Account. Bread Savings's account requires a minimum deposit of $100 but has no maintenance fees or direct deposit requirements, making it appealing for simplicity. In contrast, Marcus has no minimum deposit requirement. Both accounts are online-only and FDIC insured, ensuring safety for depositors.
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 Bread Savings and Marcus by Goldman Sachs.
| Feature | Bread Savings | Marcus by Goldman Sachs |
|---|---|---|
| APY | 4.10% Verified: 12/10/2025 ↘︎ 0.15%90d Change | 3.65% Verified: 12/10/2025 Stable (90d) |
| Product Name | High-Yield Savings Account | Marcus Online Savings Account |
| Minimum Deposit | $100 | $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 | iOS4.7 Android4.5 | iOS4.9 Android4.4 |
| BBB Rating | A+ | A+ |
| Next Steps |
📈 Compare Savings Rates Over Time
Historical Performance
| Metric | Bread Savings | Marcus by Goldman Sachs |
|---|---|---|
| High-Yield Savings Account | Marcus Online Savings Account | |
Current APY | 4.10% | 3.65% |
Trend | Stable | Stable |
Velocity (bps/mo) | -2.6 | -2.4 |
Days Since Change | 5 | 196 |
10-Month High | 4.40% | 3.90% |
10-Month Low | 4.10% | 3.65% |
Adjustments / Mo | 0.57 | 0.19 |
Volatility Score | 0.020 | 0.025 |
How to read these metrics(Click to expand)
Compare Similar High-Yield Accounts
Compare Bread Savings vs...
Comparing against Standard Savings
Compare Marcus by Goldman Sachs vs...
Comparing against Standard Savings
Higher Rates (With Checking)
Looking for something different? Check out these top-rated alternatives.