EverBank vs. Marcus by Goldman Sachs
Compare rates, requirements, and features side-by-side to find the best option for you.
| Metric | EverBankPerformance Savings Jan 21, 2026 | Marcus by Goldman SachsMarcus Online Savings Account Jan 21, 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® Supported | FDIC InsuredNo MinimumsGreat iOS AppGreat Android App |
Market Reality Check
Both of these banks offer rates below the current top tier. The best rates we track are currently above 4.20% APY.
Comparison Analysis
Comparing EverBank vs. Marcus by Goldman Sachs
As of EverBank offers an APY of 3.90% 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 pays $25 more than Marcus by Goldman Sachs on a $10,000 balance after one year. EverBank pays $390, while Marcus by Goldman Sachs pays $365 - an APY advantage for EverBank.
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.
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.
Executive Summary as of
EverBank offers a competitive Performance Savings account with an APY of 3.90%, making it the winner in this comparison. This account has no minimum deposit or balance requirements, no maintenance fees, and does not require direct deposit, making it simple and accessible for savers. In contrast, Marcus by Goldman Sachs provides an Online Savings Account with a lower APY of 3.65%, also featuring no minimums or fees. Both accounts are online-only and FDIC insured, but EverBank's higher yield positions it as the better option for those looking to maximize their savings.
The analysis is based on current Banksparency database records
* This content is provided for informational purposes only; always verify details with the provider.
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.
| Feature | EverBank | Marcus by Goldman Sachs |
|---|---|---|
| APY | 3.90% Verified: 1/21/2026 ↘︎ 0.15%90d Change | 3.65% Verified: 1/21/2026 Stable (90d) |
| Product Name | Performance Savings | Marcus Online Savings Account |
| Minimum Deposit | $0 | $0 |
| Min. Balance for APY | $0 | $0 |
| Monthly Fee | $0 | $0 |
| Branch Access | None | None |
| Account Type | Online Only | Online Only |
| Direct Deposit Req. | None | None |
| Checking Bundle | No | No |
| Mobile Apps | iOS4.7 Android4.8 | iOS4.9 Android4.9 |
| 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) | -3.7 | -2.0 |
Days Since Change | 33 | 238 |
12-Month High | 4.30% | 3.90% |
12-Month Low | 3.90% | 3.65% |
Adjustments / Mo | 0.17 | 0.17 |
Volatility Score | 0.036 | 0.024 |
How to read these metrics(Click to expand)
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