EverBank vs. Marcus by Goldman Sachs
Comparing EverBank and Marcus by Goldman Sachs for high-yield savings: EverBank's Performance Savings pays 3.90% APY while Marcus by Goldman Sachs's Marcus Online Savings Account pays 3.65% APY.
See how they compare on rate stability, mobile app ratings, and more below.
The Bottom Line
Who pays more interest on $10,000? EverBank pays $25 more than Marcus by Goldman Sachs annually ($390 vs $365).
Choose EverBank if getting the best rate matters most, or you want Zelle for quick transfers.
| Metric | EverBankPerformance Savings Mar 7, 2026 | Marcus by Goldman SachsMarcus Online Savings Account Mar 7, 2026 |
|---|---|---|
| APY | 3.90% | 3.65% |
Est. Earnings | $5,000+$195 $10,000+$390 $25,000+$975 | $5,000+$183 $10,000+$365 $25,000+$912 |
Min Deposit | $0 | $0 |
Snapshot view. Rates subject to change. | ||
| Features | FDIC InsuredNo MinimumsGreat iOS AppGreat Android AppZelle® SupportedDaily 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 EverBank vs. Marcus by Goldman Sachs
Executive Summary
EverBank offers a competitive Performance Savings account with an APY of 3.90%, making it the top choice for savers looking for higher returns without any direct deposit requirements or maintenance fees. This account is ideal for both small and large deposits, outperforming competitors like Marcus by Goldman Sachs, which provides a Marcus Online Savings Account with a lower APY of 3.65%. Both accounts are online-only and require no minimum balance or deposit, but EverBank stands out for 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 EverBank?
- ✓Higher potential APY (3.90% vs 3.65%) on all balances
- ✓Physical branch access (11 locations in Florida and California)
- ✓Fast transfers via Zelle®
Why Marcus by Goldman Sachs?
No distinct advantages found vs EverBank.
— Key Feature Differences —
Better Returns at $10,000
EverBankEverBank's Performance Savings earns more on smaller deposits (approx. $390 vs $365/yr).
Better Returns at $25,000
EverBankEverBank's Performance Savings pulls ahead with larger amounts (approx. $975 vs $912/yr).
Best for Simplicity
EverBankEverBank's Performance Savings offers 3.90% 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. 4.7) and Android app rated 4.9 (vs. 4.7)
Shared Benefits
Over a 1-year period, EverBank's Performance Savings pays $25 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
EverBank vs. Marcus by Goldman Sachs Savings Calculator
You earn $25 more with EverBank 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.
EverBank
Performance Savings
Savings Breakdown
- Interest Earned+$390.00(3.8%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,390.00
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 EverBank and Marcus by Goldman Sachs dramatically outperform the typical 0.01% APY at traditional big banks.
| Feature | EverBank | Marcus by Goldman Sachs |
|---|---|---|
| APY | 3.90% Verified: 3/7/2026 ↘︎ 0.15%90d Change | 3.65% Verified: 3/7/2026 Stable (90d) |
| Product Name | Performance Savings | 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 | 11 locations in Florida and California | N/A |
| Direct Deposit Req. | None | None |
| Checking Bundle | No | No |
| Mobile Apps | ||
| FDIC Insured | YesVerify FDIC | YesVerify FDIC |
| Zelle® Support | Available Native integration verified. | Not Supported |
| BBB Rating | A+ | A+ |
| Next Steps | Visit SiteVerify at EverBank 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 | EverBank | Marcus by Goldman Sachs |
|---|---|---|
| Performance Savings | Marcus Online Savings Account | |
Current APY | 3.90% | 3.65% |
Trend | Stable | Stable |
Velocity (bps/mo) | -4.4 | -1.1 |
Days Since Change | 78 | 283 |
12-Month High | 4.30% | 3.90% |
12-Month Low | 3.90% | 3.65% |
Adjustments / Mo | 0.16 | 0.16 |
Volatility Score | 0.041 | 0.016 |
How to read these metrics(Click to expand)
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