Capital One vs. Marcus By Goldman Sachs
High-Yield Savings Account Comparison
Last Updated: October 14, 2025
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Summary of Capital One vs. Marcus by Goldman Sachs
Key Metrics at a Glance
| Feature | Capital One | Marcus by Goldman Sachs |
|---|---|---|
| Top Savings APY | 3.40% 360 Performance Savings | 3.65% Marcus Online Savings Account |
| Minimum to Open | $0 | $0 |
| Minimum Balance for APY | $0 | $0 |
Capital One
Strengths
- Capital One has over 200 branches across several states.
- Capital One's 360 Performance Savings account has a $0 maintenance fee.
- Capital One has a high App Store rating of 4.9.
Potential Drawbacks
- Capital One's current APY is 3.40%, down from 3.50% 30 days ago.
- Capital One's Google Play rating is lower at 4.5.
Marcus by Goldman Sachs
Strengths
- Marcus by Goldman Sachs offers a competitive APY of 3.65%.
- Marcus by Goldman Sachs has a $0 minimum deposit requirement.
- Marcus by Goldman Sachs has a solid App Store rating of 4.8.
Potential Drawbacks
- Marcus by Goldman Sachs has no physical branches.
- Marcus by Goldman Sachs has a lower Google Play rating of 4.1.
→ As of October 14, 2025 Capital One offers an APY of 3.40% for its 360 Performance Savings account, with a minimum balance of $0, compared to Marcus by Goldman Sachs's 3.65% APY for its Marcus Online Savings Account, with a minimum balance of $0.
→ Marcus by Goldman Sachs yields $25 more than Capital One on a $10,000 balance after one year. Capital One pays $340, while Marcus by Goldman Sachs pays $365 - an APY advantage for Marcus by Goldman Sachs.
Calculate Savings Growth for Capital One vs Marcus by Goldman Sachs
Capital One
Total savings breakdown:
- Interest earned: $2,050.5 (10.23%)
- Total contributions: $13,000 (64.84%)
- Initial deposit: $5,000 (24.94%)
Your total balance
$20,050.50
Total balance: $20,050.5
Earnings: $2,050.5
Bank OverviewMarcus by Goldman Sachs
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
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, Capital One's total earnings would be $159.2 lower than Marcus by Goldman Sachs's total earnings.
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
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 | 3.40% (as of 10/14/2025) | 3.65% (as of 10/14/2025) | |
| 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 | |
| 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 9 Months)
| Capital One | Marcus by Goldman Sachs | ||
|---|---|---|---|
| Product | 360 Performance Savings | vs | Marcus Online Savings Account |
| Latest APY | 3.40 % | 3.65 % | |
| Trend | Sideways | Sideways | |
| Slope (bps/mo) | -3.6 | -3.5 | |
| Rate Changes / Mo | 0.46 | 0.23 | |
| Days Since Last Change | 14 | 140 | |
| High (-9 m) | 3.80 % | 3.90 % | |
| Low (-9 m) | 3.40 % | 3.65 % | |
| Draw-down from High | -10.5 % | -6.4 % | |
| Volatility (CV) | 0.027 | 0.027 |
APY Insights Glossary
- Latest APY
- Most recent advertised annual-percentage yield.
- Trend
- Direction over the last 9 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 (-9 m)
- Highest APY in the last 260 days.
- Low (-9 m)
- Lowest APY in the last 260 days.
- Draw-down from High
- How far today sits below the 9-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.
More Comparisons
Compare Capital One's APY of 3.40% with other banks
| Bank Pair | Competitor APY | Min Deposit |
|---|---|---|
| Capital One vs Ally Bank | 3.40% | $0 |
| Capital One vs American Express | 3.50% | $0 |
| Capital One vs Axos Bank | 4.51% | $0 |
| Capital One vs Bank of America | 0.01% | $100 |
| Capital One vs Barclays | 4.10% | $0 |
| Capital One vs BrioDirect | 4.20% | $5,000 |
| Capital One vs Chase Bank | 0.01% | $0 |
| Capital One vs Chime | 3.75% | $0 |
| Capital One vs CIT Bank | 3.85% | $100 |
| Capital One vs Discover Bank | 3.40% | $0 |
| Capital One vs Elevault | 4.34% | $0 |
| Capital One vs EverBank | 4.05% | $0 |
| Capital One vs Fitness Bank | 4.75% | $100 |
| Capital One vs FVCbank | 4.10% | $500 |
| Capital One vs GO2bank | 4.50% | $0 |
| Capital One vs Neighbors Bank | 4.50% | $0 |
| Capital One vs Newtek Bank | 4.35% | $0 |
| Capital One vs Peak Bank | 4.20% | $100 |
| Capital One vs Pibank | 4.60% | $0 |
| Capital One vs Presidential Bank | 4.50% | $5,000 |
| Capital One vs Santander Bank | 0.01% | $25 |
| Capital One vs SoFi Bank | 4.50% | $0 |
| Capital One vs Synchrony Bank | 3.80% | $0 |
| Capital One vs TIMBR | 4.40% | $1,000 |
| Capital One vs UFB Direct | 3.96% | $5000 |
| Capital One vs Varo Bank | 5.00% | $0 |
| Capital One vs Wells Fargo | 0.05% | $25 |
| Capital One vs Zynlo Bank | 4.20% | $10 |