Elevault vs. Marcus By Goldman Sachs
High-Yield Savings Account Comparison
By Aviel Fahl|Last Updated: October 21, 2025
We earn a commission if you open an account through some links on this page.
Summary of Elevault vs. Marcus by Goldman Sachs
Key Metrics at a Glance
| Feature | Elevault | Marcus by Goldman Sachs |
|---|---|---|
| Top Savings APY | 4.34% High Yield Savings Account | 3.65% Marcus Online Savings Account |
| Minimum to Open | $0 | $0 |
| Minimum Balance for Top APY | $0 | $0 |
| Note | The 4.34% APY is up to $250,000. Balances above that earn no interest. Daily deposit limit is $2,500. |
Elevault
Strengths
- Elevault offers a higher APY of 4.34% compared to Marcus's 3.65%.
- Elevault has no maintenance fees for its High Yield Savings Account.
- Elevault has a lower minimum deposit requirement of $0.
Potential Drawbacks
- Elevault's APY decreased from 4.60% in the last 30 days.
- Elevault's App Store rating is lower at 3.8 compared to Marcus's 4.8.
- Elevault is not BBB accredited.
Marcus by Goldman Sachs
Strengths
- Marcus by Goldman Sachs maintains a stable APY of 3.65% over the last 30 days.
- Marcus has a higher App Store rating of 4.8.
- Marcus is BBB accredited, enhancing its trustworthiness.
Potential Drawbacks
- Marcus's APY of 3.65% is lower than Elevault's current rate.
- Marcus also has no maintenance fees, but offers no unique advantages in that area.
- Marcus has a direct deposit requirement, which may limit some users.
→ As of October 21, 2025 Elevault offers an APY of 4.34% 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 yields $69 more than Marcus by Goldman Sachs on a $10,000 balance after one year. Elevault pays $434, while Marcus by Goldman Sachs pays $365 - an APY advantage for Elevault.
Calculate Savings Growth for Elevault vs Marcus by Goldman Sachs
Elevault - High Yield Savings Account
Total savings breakdown:
- Interest earned: $2,655.5 (12.86%)
- Total contributions: $13,000 (62.94%)
- Initial deposit: $5,000 (24.21%)
Your total balance
$20,655.50
Total balance: $20,655.5
Earnings: $2,655.5
Bank OverviewMarcus by Goldman Sachs - Marcus Online Savings Account
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, Elevault's total earnings would be $445.8 higher 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 Elevault's vs Marcus by Goldman Sachs' Savings Accounts
| Elevault | Marcus by Goldman Sachs | ||
|---|---|---|---|
| Product | High Yield Savings Account | vs | Marcus Online Savings Account |
| APY | 4.34% (as of 10/21/2025) | 3.65% (as of 10/21/2025) | |
| Bundled Account | No | No | |
| FDIC-insured | Yes | Yes | |
| Online Only | Yes | Yes | |
| Compound Frequency | Daily | Daily | |
| Minimum Deposit | $0 | $0 | |
| Minimum Balance for APY | $0 | $0 | |
| Maintenance Fee | $0 | $0 | |
| Direct Deposit Required | No | No | |
| Note | The 4.34% APY is up to $250,000. Balances above that earn no interest. Daily deposit limit is $2,500. | ||
| App Store Rating | 3.8/5 | 4.8/5 | |
| Google Play Rating | 3.9/5 | 4.1/5 | |
| BBB Rating | A+ | A+ |
Comparative Historical APY Insights (Last 2 Months)
| Elevault | Marcus by Goldman Sachs | ||
|---|---|---|---|
| Product | High Yield Savings Account | vs | Marcus Online Savings Account |
| Latest APY | 4.34 % | 3.65 % | |
| Trend | Falling | Sideways | |
| Slope (bps/mo) | -14.7 | 0.0 | |
| Rate Changes / Mo | 0.39 | 0.00 | |
| Days Since Last Change | 29 | 75 | |
| High (-2 m) | 4.60 % | 3.65 % | |
| Low (-2 m) | 4.34 % | 3.65 % | |
| Draw-down from High | -5.7 % | 0.0 % | |
| Volatility (CV) | 0.028 | 0.000 |
APY Insights Glossary
- Latest APY
- Most recent advertised annual-percentage yield.
- Trend
- Direction over the last 2 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 (-2 m)
- Highest APY in the last 76 days.
- Low (-2 m)
- Lowest APY in the last 76 days.
- Draw-down from High
- How far today sits below the 2-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.