Fnbo Direct vs. Marcus By Goldman Sachs
High-Yield Savings Account Comparison
By Aviel Fahl|Last Updated: October 16, 2025
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Summary of FNBO Direct vs. Marcus by Goldman Sachs
Key Metrics at a Glance
| Feature | FNBO Direct | Marcus by Goldman Sachs |
|---|---|---|
| Top Savings APY | 3.00% High-Yield Online Savings Account | 3.65% Marcus Online Savings Account |
| Minimum to Open | $1 | $0 |
| Minimum Balance for Top APY | $0.01 | $0 |
FNBO Direct
Strengths
- FNBO Direct has no maintenance fees on its High-Yield Online Savings Account.
- FNBO Direct offers a higher App Store rating of 4.5 compared to Marcus's 4.8.
Potential Drawbacks
- FNBO Direct's current APY is lower at 3.00%, down from 3.25% 30 days ago.
- FNBO Direct has no BBB rating, which may indicate less trustworthiness.
Marcus by Goldman Sachs
Strengths
- Marcus by Goldman Sachs offers a competitive APY of 3.65%, unchanged from 30 days ago.
- Marcus has an A+ BBB rating, indicating high trustworthiness.
Potential Drawbacks
- Marcus has a lower Google Play rating of 4.1 compared to FNBO Direct's 4.8.
→ As of October 16, 2025 FNBO Direct offers an APY of 3.00% for its High-Yield Online Savings Account, with a minimum balance of $0.01, compared to Marcus by Goldman Sachs's 3.65% APY for its Marcus Online Savings Account, with a minimum balance of $0.
→ Marcus by Goldman Sachs yields $65 more than FNBO Direct on a $10,000 balance after one year. FNBO Direct pays $300, while Marcus by Goldman Sachs pays $365 - an APY advantage for Marcus by Goldman Sachs.
Calculate Savings Growth for FNBO Direct vs Marcus by Goldman Sachs
FNBO Direct
Total savings breakdown:
- Interest earned: $1,798.2 (9.08%)
- Total contributions: $13,000 (65.66%)
- Initial deposit: $5,000 (25.25%)
Your total balance
$19,798.20
Total balance: $19,798.2
Earnings: $1,798.2
Bank OverviewMarcus by Goldman Sachs
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, FNBO Direct's total earnings would be $411.5 lower 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 FNBO Direct's vs Marcus by Goldman Sachs' Savings Accounts
| FNBO Direct | Marcus by Goldman Sachs | ||
|---|---|---|---|
| Product | High-Yield Online Savings Account | vs | Marcus Online Savings Account |
| APY | 3.00% (as of 10/16/2025) | 3.65% (as of 10/16/2025) | |
| Bundled Account | No | No | |
| FDIC-insured | Yes | Yes | |
| Online Only | No | Yes | |
| Compound Frequency | Monthly | Daily | |
| Minimum Deposit | $1 | $0 | |
| Minimum Balance for APY | $0.01 | $0 | |
| Maintenance Fee | $0 | $0 | |
| Direct Deposit Required | No | No | |
| App Store Rating | 4.5/5 | 4.8/5 | |
| Google Play Rating | 4.8/5 | 4.1/5 | |
| BBB Rating | Not Rated | A+ |
Comparative Historical APY Insights (Last 3 Months)
| FNBO Direct | Marcus by Goldman Sachs | ||
|---|---|---|---|
| Product | High-Yield Online Savings Account | vs | Marcus Online Savings Account |
| Latest APY | 3.00 % | 3.65 % | |
| Trend | Falling | Sideways | |
| Slope (bps/mo) | -7.7 | -0.0 | |
| Rate Changes / Mo | 0.36 | 0.00 | |
| Days Since Last Change | 13 | 83 | |
| High (-3 m) | 3.25 % | 3.65 % | |
| Low (-3 m) | 3.00 % | 3.65 % | |
| Draw-down from High | -7.7 % | 0.0 % | |
| Volatility (CV) | 0.029 | 0.000 |
APY Insights Glossary
- Latest APY
- Most recent advertised annual-percentage yield.
- Trend
- Direction over the last 3 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 (-3 m)
- Highest APY in the last 84 days.
- Low (-3 m)
- Lowest APY in the last 84 days.
- Draw-down from High
- How far today sits below the 3-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.