Everbank vs. Marcus By Goldman Sachs
High-Yield Savings Account Comparison
By Aviel Fahl|Last Updated: October 21, 2025
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Summary of EverBank vs. Marcus by Goldman Sachs
Key Metrics at a Glance
| Feature | EverBank | Marcus by Goldman Sachs |
|---|---|---|
| Top Savings APY | 4.05% Performance Savings | 3.65% Marcus Online Savings Account |
| Minimum to Open | $0 | $0 |
| Minimum Balance for Top APY | $0 | $0 |
EverBank
Strengths
- EverBank offers a higher APY of 4.05% compared to Marcus's 3.65%.
- EverBank has no maintenance fees or minimum balance requirements.
- EverBank has 11 physical branches in Florida and California.
Potential Drawbacks
- EverBank has a low App Store rating of 2.3.
- EverBank's Google Play rating is only 1.8.
- EverBank is not BBB Accredited despite an A+ rating.
Marcus by Goldman Sachs
Strengths
- Marcus by Goldman Sachs has a high App Store rating of 4.8.
- Marcus's Google Play rating is 4.1, indicating better customer satisfaction.
- Marcus has no maintenance fees or minimum balance requirements.
Potential Drawbacks
- Marcus offers a lower APY of 3.65% compared to EverBank's 4.05%.
- Marcus has no physical branches, operating online-only.
- Marcus is not mentioned as BBB Accredited despite an A+ rating.
→ As of October 21, 2025 EverBank offers an APY of 4.05% 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 $40 more than Marcus by Goldman Sachs on a $10,000 balance after one year. EverBank pays $405, while Marcus by Goldman Sachs pays $365 - an APY advantage for EverBank.
Calculate Savings Growth for EverBank vs Marcus by Goldman Sachs
EverBank - Performance Savings
Total savings breakdown:
- Interest earned: $2,467 (12.05%)
- Total contributions: $13,000 (63.52%)
- Initial deposit: $5,000 (24.43%)
Your total balance
$20,467.00
Total balance: $20,467
Earnings: $2,467
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, EverBank's total earnings would be $257.3 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 EverBank's vs Marcus by Goldman Sachs' Savings Accounts
| EverBank | Marcus by Goldman Sachs | ||
|---|---|---|---|
| Product | Performance Savings | vs | Marcus Online Savings Account |
| APY | 4.05% (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 | |
| App Store Rating | 2.3/5 | 4.8/5 | |
| Google Play Rating | 1.8/5 | 4.1/5 | |
| BBB Rating | A+ | A+ |
Comparative Historical APY Insights (Last 9 Months)
| EverBank | Marcus by Goldman Sachs | ||
|---|---|---|---|
| Product | Performance Savings | vs | Marcus Online Savings Account |
| Latest APY | 4.05 % | 3.65 % | |
| Trend | Sideways | Sideways | |
| Slope (bps/mo) | -1.8 | -3.3 | |
| Rate Changes / Mo | 0.11 | 0.23 | |
| Days Since Last Change | 32 | 146 | |
| High (-9 m) | 4.30 % | 3.90 % | |
| Low (-9 m) | 4.05 % | 3.65 % | |
| Draw-down from High | -5.8 % | -6.4 % | |
| Volatility (CV) | 0.019 | 0.026 |
APY Insights Glossary
- Latest APY
- Most recent advertised annual-percentage yield.
- Trend
- Direction over the last 9 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 (-9 m)
- Highest APY in the last 266 days.
- Low (-9 m)
- Lowest APY in the last 266 days.
- Draw-down from High
- How far today sits below the 9-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.