Elevault vs. Marcus by Goldman Sachs
Comparing Elevault and Marcus by Goldman Sachs for high-yield savings: Elevault's High Yield Savings Account pays 3.82% APY while Marcus by Goldman Sachs's Marcus Online Savings Account pays 3.65% APY.
Note: Elevault caps its top rate at $250,000.
See how they compare on rate stability, mobile app ratings, and more below.
The Bottom Line
Who pays more interest on $10,000? Elevault pays $17 more than Marcus by Goldman Sachs annually ($382 vs $365).
Choose Elevault if getting the best rate matters most. Choose Marcus by Goldman Sachs if you want a no-strings-attached account, or mobile app quality matters.
| Metric | ElevaultHigh Yield Savings Account Mar 7, 2026 | Marcus by Goldman SachsMarcus Online Savings Account Mar 7, 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 MinimumsDaily CompoundingRate Changes Often | FDIC InsuredNo MinimumsGreat iOS AppGreat Android AppDaily CompoundingStable Rate |
Market Reality Check
Both of these banks offer rates below the current top tier. The best rates we track are currently above 4.15% APY.
Comparison Analysis
Comparing Elevault vs. Marcus by Goldman Sachs
Executive Summary
Elevault offers a High Yield Savings Account with a competitive APY of 3.82%, which is higher than Marcus by Goldman Sachs's Marcus Online Savings Account at 3.65%. Elevault's account allows deposits up to $250,000 to earn interest, with a daily deposit limit of $2,500, making it a strong option for larger balances. Both accounts have no minimum deposit or maintenance fees, and neither requires direct deposit. For those seeking a straightforward savings option, Marcus provides a solid alternative, but Elevault stands out with its higher yield.
The analysis is based on current Banksparency database records
* This content is provided for informational purposes only; always verify details with the provider.
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.
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.
Still banking with Chase, Bank of America, or Wells Fargo?
On a $10,000 balance, you're missing out on at least $364 per year in interest.
Both Elevault and Marcus by Goldman Sachs dramatically outperform the typical 0.01% APY at traditional big banks.
| Feature | Elevault | Marcus by Goldman Sachs |
|---|---|---|
| APY | 3.82% Verified: 3/7/2026 ↘︎ 0.26%90d Change | 3.65% Verified: 3/7/2026 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 |
| Compound Frequency | Daily | Daily |
| Branch Access | None | None |
| Account Type | Online Only | Online Only |
| Physical Branches | N/A | N/A |
| Direct Deposit Req. | None | None |
| Checking Bundle | No | No |
| Mobile Apps | ||
| FDIC Insured | YesVerify FDIC | YesVerify FDIC |
| 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) | -14.0 | 0.0 |
Days Since Change | 81 | 212 |
7-Month High | 4.60% | 3.65% |
7-Month Low | 3.82% | 3.65% |
Adjustments / Mo | 0.42 | 0.00 |
Volatility Score | 0.072 | 0.000 |
How to read these metrics(Click to expand)
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More Comparisons
Compare Elevault's APY of 3.82% with other banks
| Bank Pair | Competitor APY | Min Deposit |
|---|---|---|
| Elevault vs Ally Bank | 3.20% | $0 |
| Elevault vs American Express | 3.30% | $0 |
| Elevault vs Axos Bank | 4.21% | $0 |
| Elevault vs Bank of America | 0.01% | $100 |
| Elevault vs Barclays | 3.85% | $0 |
| Elevault vs Capital One | 3.30% | $0 |
| Elevault vs Chase Bank | 0.01% | $0 |
| Elevault vs Chime | 3.00% | $0 |
| Elevault vs CIT Bank | 3.75% | $100 |
| Elevault vs Citibank | 3.20% | $0 |
| Elevault vs Discover Bank | 3.30% | $0 |
| Elevault vs EverBank | 3.90% | $0 |
| Elevault vs Newtek Bank | 4.20% | $0.01 |
| Elevault vs Openbank | 4.09% | $500 |
| Elevault vs Pibank | 4.60% | $0 |
| Elevault vs SoFi Bank | 4.00% | $0 |
| Elevault vs Synchrony Bank | 3.50% | $0 |
| Elevault vs Varo Bank | 5.00% | $0 |
| Elevault vs Wealthfront | 4.20% | $0 |
| Elevault vs Wells Fargo | 0.05% | $25 |