Capital One vs Marcus By Goldman Sachs
High-Yield Savings Accounts Comparison
Last Updated: July 15, 2025
Summary of Capital One vs. Marcus by Goldman Sachs
As of July 15, 2025 Capital One offers an APY of 3.50% for its 360 Performance Savings account, compared to Marcus by Goldman Sachs's 3.65% APY for its Marcus Online Savings Account account.
Marcus by Goldman Sachs yields $15 more than Capital One on a $10,000 balance after one year. Capital One pays $350, while Marcus by Goldman Sachs pays $365 - an APY advantage for Marcus by Goldman Sachs.
Capital One
Strengths
- Capital One has over 200 branches across several states.
- Capital One's 360 Performance Savings offers a competitive APY of 3.50%.
- Capital One has a high App Store rating of 4.9.
Potential Drawbacks
- Capital One's APY decreased from 3.60% in the last 30 days.
- Capital One has a lower Google Play rating of 4.5 compared to Marcus.
Marcus by Goldman Sachs
Strengths
- Marcus by Goldman Sachs offers a higher APY of 3.65%.
- Marcus has a lower maintenance fee structure with no fees.
- Marcus maintains a solid App Store rating of 4.8.
Potential Drawbacks
- Marcus does not have any physical branches.
- Marcus's Google Play rating is lower at 4.1.
Summary: Capital One offers a strong branch presence and a solid App Store rating, but its APY has decreased recently. In contrast, Marcus by Goldman Sachs provides a higher APY and maintains competitive ratings, though it lacks physical branches. Both banks have no maintenance fees and do not require direct deposits, making them accessible options for savers.
Compare Capital One's vs Marcus by Goldman Sachs' Savings Accounts
| Capital One | Marcus by Goldman Sachs | ||
|---|---|---|---|
| Product | 360 Performance Savings | vs | Marcus Online Savings Account |
| APY | 3.50% (as of 7/15/2025) | 3.65% (as of 7/15/2025) | |
| Bundled Account | No | No | |
| FDIC-insured | Yes | Yes | |
| Online Only | No | Yes | |
| Compound Frequency | Monthly | Daily | |
| Minimum Deposit | $0 | $0 | |
| Minimum Balance for APY | $0 | $0 | |
| Maintenance Fee | $0 | $0 | |
| Direct Deposit Required | No | No | |
| Visit Bank | 360 Performance Savings | Marcus Online Savings Account | |
| App Store Rating | 4.9/5 | 4.8/5 | |
| Google Play Rating | 4.5/5 | 4.1/5 | |
| BBB Rating | A+ | A+ |
Comparative Historical APY Insights (Last 6 Months)
| Capital One | Marcus by Goldman Sachs | ||
|---|---|---|---|
| Product | 360 Performance Savings | vs | Marcus Online Savings Account |
| Latest APY | 3.50 % | 3.65 % | |
| Trend | Sideways | Falling | |
| Slope (bps/mo) | -4.2 | -5.7 | |
| Rate Changes / Mo | 0.53 | 0.36 | |
| Days Since Last Change | 20 | 49 | |
| High (-6 m) | 3.80 % | 3.90 % | |
| Low (-6 m) | 3.50 % | 3.65 % | |
| Draw-down from High | -7.9 % | -6.4 % | |
| Volatility (CV) | 0.021 | 0.026 |
APY Insights Glossary
- Latest APY
- Most recent advertised annual-percentage yield.
- Trend
- Direction over the last 6 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 (-6 m)
- Highest APY in the last 169 days.
- Low (-6 m)
- Lowest APY in the last 169 days.
- Draw-down from High
- How far today sits below the 6-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 Capital One vs Marcus by Goldman Sachs
All calculations are based on APY.
Capital One
APY: 3.50%
Total savings breakdown:
- Interest earned: $35 (3.38%)
- Total contributions: $0 (0.00%)
- Initial deposit: $1,000 (96.62%)
Your total balance
$1,035.00
Effective APY: 3.50% (based on your deposit and contributions)
Total balance: $1,035
Earnings: $35
Bank DetailsMarcus by Goldman Sachs
APY: 3.65%
Total savings breakdown:
- Interest earned: $36.5 (3.52%)
- Total contributions: $0 (0.00%)
- Initial deposit: $1,000 (96.48%)
Your total balance
$1,036.50
Effective APY: 3.65% (based on your deposit and contributions)
Total balance: $1,036.5
Earnings: $36.5
Bank DetailsAfter 1 year Capital One would earn you $1.5 less than Marcus by Goldman Sachs.
More Comparisons
Compare Capital One's APY of 3.50% with other banks
| Bank Pair | Best APY | Min Deposit |
|---|---|---|
| Capital One vs Ally Bank | 3.50% | $0 |
| Capital One vs American Express | 3.60% | $0 |
| Capital One vs Axos Bank | 4.66% | $0 |
| Capital One vs Bank of America | 0.01% | $100 |
| Capital One vs Barclays | 4.10% | $0 |
| Capital One vs Chase Bank | 0.01% | $0 |
| Capital One vs Chime | 3.75% | $0 |
| Capital One vs CIT Bank | 4.00% | $100 |
| Capital One vs Discover Bank | 3.50% | $0 |
| Capital One vs Fitness Bank | 5.00% | $100 |
| Capital One vs Presidential Bank | 4.50% | $5,000 |
| Capital One vs SoFi Bank | 3.80% | $0 |
| Capital One vs Synchrony Bank | 3.80% | $0 |
| Capital One vs Varo Bank | 5.00% | $0 |
| Capital One vs Wells Fargo | 2.51% | $25 |
Compare Marcus by Goldman Sachs' APY of 3.65% with other banks
| Bank Pair | Best APY | Min Deposit |
|---|---|---|
| Marcus by Goldman Sachs vs Ally Bank | 3.50% | $0 |
| Marcus by Goldman Sachs vs American Express | 3.60% | $0 |
| Marcus by Goldman Sachs vs Axos Bank | 4.66% | $0 |
| Marcus by Goldman Sachs vs Bank of America | 0.01% | $100 |
| Marcus by Goldman Sachs vs Barclays | 4.10% | $0 |
| Marcus by Goldman Sachs vs Chase Bank | 0.01% | $0 |
| Marcus by Goldman Sachs vs Chime | 3.75% | $0 |
| Marcus by Goldman Sachs vs CIT Bank | 4.00% | $100 |
| Marcus by Goldman Sachs vs Discover Bank | 3.50% | $0 |
| Marcus by Goldman Sachs vs Fitness Bank | 5.00% | $100 |
| Marcus by Goldman Sachs vs Presidential Bank | 4.50% | $5,000 |
| Marcus by Goldman Sachs vs SoFi Bank | 3.80% | $0 |
| Marcus by Goldman Sachs vs Synchrony Bank | 3.80% | $0 |
| Marcus by Goldman Sachs vs Varo Bank | 5.00% | $0 |
| Marcus by Goldman Sachs vs Wells Fargo | 2.51% | $25 |