Briodirect vs Marcus By Goldman Sachs
High-Yield Savings Accounts Comparison
Last Updated: September 5, 2025
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Summary of BrioDirect vs. Marcus by Goldman Sachs
As of September 5, 2025 BrioDirect offers an APY of 4.30% for its High-Yield Savings Account, with a minimum balance of $25, compared to Marcus by Goldman Sachs's 3.65% APY for its Marcus Online Savings Account, with a minimum balance of $0.
BrioDirect yields $65 more than Marcus by Goldman Sachs on a $10,000 balance after one year. BrioDirect pays $430, while Marcus by Goldman Sachs pays $365 - an APY advantage for BrioDirect.
BrioDirect
Strengths
- BrioDirect offers a higher APY of 4.30% compared to Marcus's 3.65%.
- BrioDirect has no maintenance fees for its High-Yield Savings Account.
- BrioDirect has a higher App Store rating of 4.7 versus Marcus's 4.8.
Potential Drawbacks
- BrioDirect has a lower BBB rating of B- and is not accredited.
- BrioDirect requires a minimum deposit of $5,000 for its High-Yield Savings Account.
- BrioDirect has no branches for in-person banking.
Marcus by Goldman Sachs
Strengths
- Marcus by Goldman Sachs has a superior BBB rating of A+.
- Marcus has no minimum deposit requirement for its Online Savings Account.
- Marcus has a lower minimum balance requirement of $0.
Potential Drawbacks
- Marcus offers a lower APY of 3.65% compared to BrioDirect's 4.30%.
- Marcus has a lower App Store rating of 4.8 compared to BrioDirect's 4.7.
- Marcus has no branches for in-person banking.
Summary: BrioDirect provides a higher APY of 4.30% with no maintenance fees but requires a $5,000 minimum deposit and has a B- BBB rating. In contrast, Marcus by Goldman Sachs offers a lower APY of 3.65%, no minimum deposit, and an A+ BBB rating, making it potentially more accessible for some users despite the lower interest rate.
Compare BrioDirect's vs Marcus by Goldman Sachs' Savings Accounts
| BrioDirect | Marcus by Goldman Sachs | ||
|---|---|---|---|
| Product | High-Yield Savings Account | vs | Marcus Online Savings Account |
| APY | 4.30% (as of 9/5/2025) | 3.65% (as of 9/5/2025) | |
| Bundled Account | No | No | |
| FDIC-insured | Yes | Yes | |
| Online Only | Yes | Yes | |
| Compound Frequency | Daily | Daily | |
| Minimum Deposit | $5,000 | $0 | |
| Minimum Balance for APY | $25 | $0 | |
| Maintenance Fee | $0 | $0 | |
| Direct Deposit Required | No | No | |
| App Store Rating | 4.7/5 | 4.8/5 | |
| Google Play Rating | 4.3/5 | 4.1/5 | |
| BBB Rating | B- | A+ |
Comparative Historical APY Insights (Last 7 Months)
| BrioDirect | Marcus by Goldman Sachs | ||
|---|---|---|---|
| Product | High-Yield Savings Account | vs | Marcus Online Savings Account |
| Latest APY | 4.30 % | 3.65 % | |
| Trend | Sideways | Sideways | |
| Slope (bps/mo) | -4.5 | -4.3 | |
| Rate Changes / Mo | 0.55 | 0.27 | |
| Days Since Last Change | 108 | 100 | |
| High (-7 m) | 4.55 % | 3.90 % | |
| Low (-7 m) | 4.30 % | 3.65 % | |
| Draw-down from High | -5.5 % | -6.4 % | |
| Volatility (CV) | 0.024 | 0.027 |
APY Insights Glossary
- Latest APY
- Most recent advertised annual-percentage yield.
- Trend
- Direction over the last 7 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 (-7 m)
- Highest APY in the last 220 days.
- Low (-7 m)
- Lowest APY in the last 220 days.
- Draw-down from High
- How far today sits below the 7-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.
Calculate Savings Growth for BrioDirect vs Marcus by Goldman Sachs
All calculations are based on APY.
BrioDirect
APY: 4.30%
Total savings breakdown:
- Interest earned: $2,629.4 (12.75%)
- Total contributions: $13,000 (63.02%)
- Initial deposit: $5,000 (24.24%)
Your total balance
$20,629.40
Effective APY: 4.30% (based on your deposit and contributions)
Total balance: $20,629.4
Earnings: $2,629.4
Bank OverviewMarcus 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, BrioDirect's total earnings would be $419.7 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.
More Comparisons
Compare BrioDirect's APY of 4.30% with other banks
| Bank Pair | Competitor APY | Min Deposit |
|---|---|---|
| BrioDirect vs Ally Bank | 3.50% | $0 |
| BrioDirect vs American Express | 3.50% | $0 |
| BrioDirect vs Axos Bank | 4.46% | $0 |
| BrioDirect vs Bank of America | 0.01% | $100 |
| BrioDirect vs Barclays | 4.10% | $0 |
| BrioDirect vs Capital One | 3.50% | $0 |
| BrioDirect vs Chase Bank | 0.01% | $0 |
| BrioDirect vs Chime | 3.75% | $0 |
| BrioDirect vs CIT Bank | 4.00% | $100 |
| BrioDirect vs Discover Bank | 3.50% | $0 |
| BrioDirect vs Elevault | 4.60% | $0 |
| BrioDirect vs EverBank | 4.30% | $0 |
| BrioDirect vs Fitness Bank | 4.75% | $100 |
| BrioDirect vs FVCbank | 4.35% | $500 |
| BrioDirect vs GO2bank | 4.50% | $0 |
| BrioDirect vs Neighbors Bank | 4.60% | $0 |
| BrioDirect vs Newtek Bank | 4.35% | $0 |
| BrioDirect vs Peak Bank | 4.35% | $100 |
| BrioDirect vs Pibank | 4.60% | $0 |
| BrioDirect vs Presidential Bank | 4.50% | $5,000 |
| BrioDirect vs Santander Bank | 0.03% | $25 |
| BrioDirect vs SoFi Bank | 3.80% | $0 |
| BrioDirect vs Synchrony Bank | 3.80% | $0 |
| BrioDirect vs TIMBR | 4.40% | $1,000 |
| BrioDirect vs UFB Direct | 4.21% | $5000 |
| BrioDirect vs Varo Bank | 5.00% | $0 |
| BrioDirect vs Wells Fargo | 2.51% | $25 |
| BrioDirect vs Zynlo Bank | 4.35% | $10 |