Everbank vs Marcus By Goldman Sachs
High-Yield Savings Accounts Comparison
Last Updated: September 5, 2025
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Summary of EverBank vs. Marcus by Goldman Sachs
As of September 5, 2025 EverBank offers an APY of 4.30% for its 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.
EverBank yields $65 more than Marcus by Goldman Sachs on a $10,000 balance after one year. EverBank pays $430, while Marcus by Goldman Sachs pays $365 - an APY advantage for EverBank.
EverBank
Strengths
- EverBank offers a higher APY of 4.30% compared to Marcus by Goldman Sachs' 3.65%.
- EverBank has 11 physical branches in Florida and California, providing in-person services.
- No maintenance fees for the Performance Savings account at EverBank.
Potential Drawbacks
- EverBank has a lower App Store rating of 2.3 compared to Marcus' 4.8.
- EverBank's Google Play rating is 2.6, lower than Marcus' 4.1.
- EverBank is not BBB Accredited despite having an A+ rating.
Marcus by Goldman Sachs
Strengths
- Marcus by Goldman Sachs has a high App Store rating of 4.8.
- Marcus by Goldman Sachs has a Google Play rating of 4.1, indicating better user satisfaction.
- Marcus by Goldman Sachs is BBB Accredited, enhancing trustworthiness.
Potential Drawbacks
- Marcus by Goldman Sachs offers a lower APY of 3.65% compared to EverBank's 4.30%.
- Marcus by Goldman Sachs has no physical branches, limiting in-person access.
- No maintenance fees for the Marcus Online Savings Account.
Summary: EverBank offers a significantly higher APY of 4.30% compared to Marcus by Goldman Sachs' 3.65%. However, Marcus excels with superior app ratings and BBB Accreditation. EverBank has physical branches, while Marcus operates online-only. Both banks have no maintenance fees, making them competitive options for high-yield savings accounts, but user experience may vary based on their digital presence and ratings.
Compare EverBank's vs Marcus by Goldman Sachs' Savings Accounts
| EverBank | Marcus by Goldman Sachs | ||
|---|---|---|---|
| Product | Performance Savings | vs | Marcus Online Savings Account |
| APY | 4.30% (as of 9/5/2025) | 3.65% (as of 9/5/2025) | |
| 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 | |
| App Store Rating | 2.3/5 | 4.8/5 | |
| Google Play Rating | 2.6/5 | 4.1/5 | |
| BBB Rating | A+ | A+ |
Comparative Historical APY Insights (Last 7 Months)
| EverBank | Marcus by Goldman Sachs | ||
|---|---|---|---|
| Product | Performance Savings | vs | Marcus Online Savings Account |
| Latest APY | 4.30 % | 3.65 % | |
| Trend | Sideways | Sideways | |
| Slope (bps/mo) | -0.0 | -4.3 | |
| Rate Changes / Mo | 0.00 | 0.27 | |
| Days Since Last Change | 220 | 100 | |
| High (-7 m) | 4.30 % | 3.90 % | |
| Low (-7 m) | 4.30 % | 3.65 % | |
| Draw-down from High | 0.0 % | -6.4 % | |
| Volatility (CV) | 0.000 | 0.027 |
APY Insights Glossary
- Latest APY
- Most recent advertised annual-percentage yield.
- Trend
- Direction over the last 7 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 (-7 m)
- Highest APY in the last 220 days.
- Low (-7 m)
- Lowest APY in the last 220 days.
- Draw-down from High
- How far today sits below the 7-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 EverBank vs Marcus by Goldman Sachs
All calculations are based on APY.
EverBank
APY: 4.30%
Total savings breakdown:
- Interest earned: $2,629.4 (12.75%)
- Total contributions: $13,000 (63.02%)
- Initial deposit: $5,000 (24.24%)
Your total balance
$20,629.40
Effective APY: 4.30% (based on your deposit and contributions)
Total balance: $20,629.4
Earnings: $2,629.4
Bank OverviewMarcus by Goldman Sachs
APY: 3.65%
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
Effective APY: 3.65% (based on your deposit and contributions)
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, EverBank's total earnings would be $419.7 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.
More Comparisons
Compare EverBank's APY of 4.30% with other banks
| Bank Pair | Competitor APY | Min Deposit |
|---|---|---|
| EverBank vs Ally Bank | 3.50% | $0 |
| EverBank vs American Express | 3.50% | $0 |
| EverBank vs Axos Bank | 4.46% | $0 |
| EverBank vs Bank of America | 0.01% | $100 |
| EverBank vs Barclays | 4.10% | $0 |
| EverBank vs BrioDirect | 4.30% | $5,000 |
| EverBank vs Capital One | 3.50% | $0 |
| EverBank vs Chase Bank | 0.01% | $0 |
| EverBank vs Chime | 3.75% | $0 |
| EverBank vs CIT Bank | 4.00% | $100 |
| EverBank vs Discover Bank | 3.50% | $0 |
| EverBank vs Elevault | 4.60% | $0 |
| EverBank vs Fitness Bank | 4.75% | $100 |
| EverBank vs FVCbank | 4.35% | $500 |
| EverBank vs GO2bank | 4.50% | $0 |
| EverBank vs Neighbors Bank | 4.60% | $0 |
| EverBank vs Newtek Bank | 4.35% | $0 |
| EverBank vs Peak Bank | 4.35% | $100 |
| EverBank vs Pibank | 4.60% | $0 |
| EverBank vs Presidential Bank | 4.50% | $5,000 |
| EverBank vs Santander Bank | 0.03% | $25 |
| EverBank vs SoFi Bank | 3.80% | $0 |
| EverBank vs Synchrony Bank | 3.80% | $0 |
| EverBank vs TIMBR | 4.40% | $1,000 |
| EverBank vs UFB Direct | 4.21% | $5000 |
| EverBank vs Varo Bank | 5.00% | $0 |
| EverBank vs Wells Fargo | 2.51% | $25 |
| EverBank vs Zynlo Bank | 4.35% | $10 |