Elevault vs. Marcus by Goldman Sachs
Compare rates, requirements, and features side-by-side to find the best option for you.
| Metric | ElevaultHigh Yield Savings Account Jan 21, 2026 | Marcus by Goldman SachsMarcus Online Savings Account Jan 21, 2026 |
|---|---|---|
| APY | 3.82% | 3.65% |
Est. Earnings | $5,000+$191 $10,000+$382 $25,000+$955 | $5,000+$183 $10,000+$365 $25,000+$912 |
Min Deposit | $0 | $0 |
Snapshot view. Rates subject to change. | ||
Terms | The 3.82% APY is up to $250,000. Balances above that earn no interest. Daily deposit limit is $2,500. | - |
| Features | FDIC InsuredNo Minimums | FDIC InsuredNo MinimumsGreat iOS AppGreat Android App |
Market Reality Check
Both of these banks offer rates below the current top tier. The best rates we track are currently above 4.20% APY.
Comparison Analysis
Comparing Elevault vs. Marcus by Goldman Sachs
As of Elevault offers an APY of 3.82% for its High Yield 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.
Elevault pays $17 more than Marcus by Goldman Sachs on a $10,000 balance after one year. Elevault pays $382, while Marcus by Goldman Sachs pays $365 - an APY advantage for Elevault.
Why Elevault?
- ✓Higher potential APY (3.82% vs 3.65%) on all balances
Why Marcus by Goldman Sachs?
- ✓No checking account or direct deposit required
- ✓Higher rated iOS app (4.9 vs 3.7)
- ✓Higher rated Android app (4.9 vs 3.9)
— Key Feature Differences —
Better Returns at $10,000
ElevaultElevault's High Yield Savings Account earns more on smaller deposits (approx. $382 vs $365/yr).
Better Returns at $25,000
ElevaultElevault's High Yield Savings Account pulls ahead with larger amounts (approx. $955 vs $912/yr).
Best for Simplicity
Marcus by Goldman SachsMarcus by Goldman Sachs's Marcus Online Savings Account offers 3.65% APY with no bundling, direct deposit requirement or caps.
Best Mobile App Experience
Marcus by Goldman SachsMarcus by Goldman Sachs offers an iOS app rated 4.9 (vs. 3.7) and Android app rated 4.9 (vs. 3.9)
Shared Benefits
Over a 1-year period, Elevault's High Yield Savings Account pays $17 more interest on a $10,000 balance than Marcus by Goldman Sachs's Marcus Online Savings Account.
*This calculation assumes current rates remain consistent for 1 year and does not include temporary bonuses.
Executive Summary as of
Elevault offers a High Yield Savings Account with a competitive APY of 3.82%, making it the winner among the two banks. This account allows deposits up to $250,000 at this rate, with a daily deposit limit of $2,500, and does not require direct deposit. In contrast, Marcus by Goldman Sachs provides a Marcus Online Savings Account with a slightly lower APY of 3.65%. While both accounts are online-only and have no minimum deposit or maintenance fees, Elevault's higher APY positions it as the more lucrative option for savers.
The analysis is based on current Banksparency database records
* This content is provided for informational purposes only; always verify details with the provider.
Non-sponsored link to official site
Non-sponsored link to official site
Top Market Contenders
Elevault vs. Marcus by Goldman Sachs Savings Calculator
You earn $17 more with Elevault than Marcus by Goldman Sachs on a $10,000 initial deposit for 1 year*.
*This calculation assumes that APYs remain unchanged for 1 year, and takes into account known promo rate periods, but does not factor in bonuses. You can see how often these banks have changed their rates in the Compare Savings Rates Over Time section below.
Elevault
High Yield Savings Account
3.82% on first $250,000 and 0.00% thereafter.
Savings Breakdown
- Interest Earned+$382.00(3.7%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,382.00
Marcus by Goldman Sachs
Marcus Online Savings Account
Savings Breakdown
- Interest Earned+$365.00(3.5%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,365.00
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
| Feature | Elevault | Marcus by Goldman Sachs |
|---|---|---|
| APY | 3.82% Verified: 1/21/2026 ↘︎ 0.52%90d Change | 3.65% Verified: 1/21/2026 Stable (90d) |
| Product Name | High Yield Savings Account | Marcus Online Savings Account |
| Minimum Deposit | $0 | $0 |
| Min. Balance for APY | $0 | $0 |
| Monthly Fee | $0 | $0 |
| Branch Access | None | None |
| Account Type | Online Only | Online Only |
| Direct Deposit Req. | None | None |
| Checking Bundle | No | No |
| Mobile Apps | iOS3.7 Android3.9 | iOS4.9 Android4.9 |
| Zelle® Support | Not Supported | Not Supported |
| BBB Rating | A | A+ |
| Important Notes | The 3.82% APY is up to $250,000. Balances above that earn no interest. Daily deposit limit is $2,500. | - |
| Next Steps | Visit SiteVerify at Elevault Non-sponsored link to official site | Visit SiteVerify at Marcus by Goldman Sachs Non-sponsored link to official site |
📈 Compare Savings Rates Over Time
Historical Performance
| Metric | Elevault | Marcus by Goldman Sachs |
|---|---|---|
| High Yield Savings Account | Marcus Online Savings Account | |
Current APY | 3.82% | 3.65% |
Trend | Stable | Stable |
Velocity (bps/mo) | -17.3 | -0.0 |
Days Since Change | 36 | 167 |
6-Month High | 4.60% | 3.65% |
6-Month Low | 3.82% | 3.65% |
Adjustments / Mo | 0.54 | 0.00 |
Volatility Score | 0.068 | 0.000 |
How to read these metrics(Click to expand)
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