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 One | Marcus by Goldman Sachs | ||
|---|---|---|---|
| Product | 360 Performance Savings | vs | Marcus Online Savings Account |
| APY | 3.60% (as of 6/20/2025) | 3.65% (as of 6/20/2025) | |
| 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 | 4.2/5 | |
| BBB Rating | A+ | A+ |
Comparative Historical APY Insights (Last 5 Months)
| Capital One | Marcus by Goldman Sachs | ||
|---|---|---|---|
| Product | 360 Performance Savings | vs | Marcus Online Savings Account |
| Latest APY | 3.60 % | 3.65 % | |
| Trend | Sideways | Falling | |
| Slope (bps/mo) | -3.9 | -6.2 | |
| Rate Changes / Mo | 0.41 | 0.41 | |
| Days Since Last Change | 74 | 25 | |
| High (-5 m) | 3.80 % | 3.90 % | |
| Low (-5 m) | 3.60 % | 3.65 % | |
| Draw-down from High | -5.3 % | -6.4 % | |
| Volatility (CV) | 0.017 | 0.025 |
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 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 $0.5 less than Marcus by Goldman Sachs.
More Comparisons
Compare Capital One's APY of 3.60% 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 | 3.60% | $0 |
| Capital One vs Fitness Bank | 5.00% | $100 |
| Capital One vs SoFi Bank | 3.80% | $0 |
| Capital One vs Synchrony Bank | 3.80% | $0 |
| Capital One vs Varo Bank | 5.00% | $0 |
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 | 3.60% | $0 |
| Marcus by Goldman Sachs vs Fitness Bank | 5.00% | $100 |
| 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 |