Capital One vs Marcus By Goldman Sachs
High-Yield Savings Accounts Comparison

Last Updated: June 20, 2025

Summary of Capital One vs. Marcus by Goldman Sachs

As of June 20, 2025 Capital One offers an APY of 3.60% 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 $5 more than Capital One on a $10,000 balance after one year. Capital One pays $360, while Marcus by Goldman Sachs pays $365 - an APY advantage for Marcus by Goldman Sachs.

Capital One

Strengths

  • Capital One offers a higher APY of 3.60% compared to Marcus's 3.65%.
  • Capital One has over 200 branches across several states.
  • Capital One's App Store rating is 4.9, higher than Marcus's 4.8.

Potential Drawbacks

  • Capital One's APY remained unchanged from 30 days ago.
  • Capital One's Google Play rating is 4.5, lower than Marcus's 4.2.
  • Capital One is not an online-only bank.

Marcus by Goldman Sachs

Strengths

  • Marcus by Goldman Sachs has a competitive APY of 3.65%.
  • Marcus's APY was higher 30 days ago at 3.75%.
  • Marcus is an online-only bank, offering convenience for digital users.

Potential Drawbacks

  • Marcus lacks physical branches, limiting in-person services.
  • Marcus's App Store rating is 4.8, slightly lower than Capital One's 4.9.
  • Marcus's Google Play rating is 4.2, lower than Capital One's 4.5.
Summary: Capital One offers a slightly lower APY of 3.60% compared to Marcus's 3.65%, which recently decreased from 3.75%. Capital One has over 200 branches, while Marcus operates online-only. Capital One also has a higher App Store rating of 4.9 versus Marcus's 4.8, but Marcus's Google Play rating is lower at 4.2 compared to Capital One's 4.5. Both banks have strong BBB ratings of A+.

Compare Capital One's vs Marcus by Goldman Sachs' Savings Accounts

Capital OneMarcus by Goldman Sachs
Product360 Performance SavingsvsMarcus Online Savings Account
APY
3.60% (as of 6/20/2025)3.65% (as of 6/20/2025)
Bundled Account
NoNo
FDIC-insured
YesYes
Online OnlyNoYes
Compound Frequency
MonthlyDaily
Minimum Deposit$0$0
Minimum Balance for APY$0$0
Maintenance Fee$0$0
Direct Deposit Required
NoNo
Visit Bank360 Performance SavingsMarcus Online Savings Account
App Store Rating4.9/54.8/5
Google Play Rating4.5/54.2/5
BBB RatingA+A+

Comparative Historical APY Insights (Last 5 Months)

Capital OneMarcus by Goldman Sachs
Product360 Performance SavingsvsMarcus Online Savings Account
Latest APY3.60 %3.65 %
TrendSidewaysFalling
Slope (bps/mo)-3.9-6.2
Rate Changes / Mo0.410.41
Days Since Last Change7425
High (-5 m)3.80 %3.90 %
Low (-5 m)3.60 %3.65 %
Draw-down from High-5.3 %-6.4 %
Volatility (CV)0.0170.025
APY Insights Glossary
Latest APY
Most recent advertised annual-percentage yield.
Trend
Direction over the last 5 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 (-5 m)
Highest APY in the last 145 days.
Low (-5 m)
Lowest APY in the last 145 days.
Draw-down from High
How far today sits below the 5-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: 3.60%

Total savings breakdown:

  • Interest earned: $36 (3.47%)
  • Total contributions: $0 (0.00%)
  • Initial deposit: $1,000 (96.53%)

Your total balance

$1,036.00

Effective APY: 3.60% (based on your deposit and contributions)

Total balance: $1,036

Earnings: $36

Bank Details

Marcus 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 Details

After 1 year Capital One would earn you $0.5 less than Marcus by Goldman Sachs.

More Comparisons

Compare Capital One's APY of 3.60% with other banks
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