FNBO Direct vs. Marcus by Goldman Sachs
Comparing FNBO Direct and Marcus by Goldman Sachs for high-yield savings: FNBO Direct's High-Yield Online Savings Account pays 3.00% APY while Marcus by Goldman Sachs's Marcus Online Savings Account pays 3.50% APY.
See how they compare on rate stability, mobile app ratings, and more below.
The Bottom Line
Who pays more interest on $10,000? Marcus by Goldman Sachs pays $50 more than FNBO Direct annually ($350 vs $300).
Choose FNBO Direct if you want Zelle for quick transfers. Choose Marcus by Goldman Sachs if getting the best rate matters most.
| Metric | FNBO DirectHigh-Yield Online Savings Account Apr 21, 2026 | Marcus by Goldman SachsMarcus Online Savings Account Apr 21, 2026 |
|---|---|---|
| APY | 3.00% | 3.50% |
Est. Earnings | $5,000+$150 $10,000+$300 $25,000+$750 | $5,000+$175 $10,000+$350 $25,000+$875 |
Min Deposit | $1 | $0 |
Snapshot view. Rates subject to change. | ||
| Features | FDIC InsuredLow MinimumsGreat iOS AppGreat Android AppZelle® SupportedRate 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 4.07% APY.
Comparison Analysis
Comparing FNBO Direct vs. Marcus by Goldman Sachs
Executive Summary
Marcus by Goldman Sachs offers a competitive APY of 3.50% on its Marcus Online Savings Account, making it the superior choice compared to FNBO Direct's High-Yield Online Savings Account, which has an APY of 3.00%. Both accounts are online-only with no maintenance fees and no direct deposit requirements. However, Marcus provides better returns on larger deposits and is recognized for its simplicity and excellent mobile app experience. For those seeking a straightforward savings option, FNBO Direct's account remains a viable alternative, albeit with a lower 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 FNBO Direct?
- ✓Fast transfers via Zelle®
Why Marcus by Goldman Sachs?
- ✓Higher potential APY (3.50% vs 3.00%) on all balances
— Key Feature Differences —
Better Returns at $10,000
Marcus by Goldman SachsMarcus by Goldman Sachs's Marcus Online Savings Account earns more on smaller deposits (approx. $350 vs $300/yr).
Better Returns at $25,000
Marcus by Goldman SachsMarcus by Goldman Sachs's Marcus Online Savings Account pulls ahead with larger amounts (approx. $875 vs $750/yr).
Best for Simplicity
Marcus by Goldman SachsMarcus by Goldman Sachs's Marcus Online Savings Account offers 3.50% 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. 4.6) and Android app rated 4.9 (vs. 4.7)
Shared Benefits
Over a 1-year period, Marcus by Goldman Sachs's Marcus Online Savings Account pays $50 more interest on a $10,000 balance than FNBO Direct's High-Yield 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
FNBO Direct vs. Marcus by Goldman Sachs Savings Calculator
You earn $50 more with Marcus by Goldman Sachs than FNBO Direct 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.
FNBO Direct
High-Yield Online Savings Account
Savings Breakdown
- Interest Earned+$300.00(2.9%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,300.00
Marcus by Goldman Sachs
Marcus Online Savings Account
Savings Breakdown
- Interest Earned+$350.00(3.4%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,350.00
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 $299 per year in interest.
Both FNBO Direct and Marcus by Goldman Sachs dramatically outperform the typical 0.01% APY at traditional big banks.
| Feature | FNBO Direct | Marcus by Goldman Sachs |
|---|---|---|
| APY | 3.00% Verified: 4/21/2026 Stable (90d) | 3.50% Verified: 4/21/2026 ↘︎ 0.15%90d Change |
| Product Name | High-Yield Online Savings Account | Marcus Online Savings Account |
| Minimum Deposit | $1 | $0 |
| Min. Balance for APY | $0.01 | $0 |
| Monthly Fee | $0 | $0 |
| Compound Frequency | Monthly | Daily |
| Branch Access | None | None |
| Account Type | Online Only | Online Only |
| Physical Branches | None | N/A |
| Direct Deposit Req. | None | None |
| Checking Bundle | No | No |
| Mobile Apps | ||
| FDIC Insured | YesVerify FDIC | YesVerify FDIC |
| Zelle® Support | Available Online division fully supports Zelle. | Not Supported |
| BBB Rating | A+ | A+ |
| Next Steps | Visit SiteVerify at FNBO Direct 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 | FNBO Direct | Marcus by Goldman Sachs |
|---|---|---|
| High-Yield Online Savings Account | Marcus Online Savings Account | |
Current APY | 3.00% | 3.50% |
Trend | Stable | Stable |
Velocity (bps/mo) | -2.9 | -0.0 |
Days Since Change | 200 | 0 |
9-Month High | 3.25% | 3.65% |
9-Month Low | 3.00% | 3.50% |
Adjustments / Mo | 0.11 | 0.11 |
Volatility Score | 0.033 | 0.003 |
How to read these metrics(Click to expand)
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High Rates (With Checking Bundle)
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More Comparisons
Compare FNBO Direct's APY of 3.00% with other banks
| Bank Pair | Competitor APY | Min Deposit |
|---|---|---|
| FNBO Direct vs Ally Bank | 3.10% | $0 |
| FNBO Direct vs American Express | 3.20% | $0 |
| FNBO Direct vs Axos Bank | 4.21% | $0 |
| FNBO Direct vs Barclays | 3.75% | $0 |
| FNBO Direct vs Capital One | 3.20% | $0 |
| FNBO Direct vs Chime | 3.00% | $0 |
| FNBO Direct vs CIT Bank | 3.75% | $100 |
| FNBO Direct vs Discover Bank | 3.30% | $0 |
| FNBO Direct vs EverBank | 3.90% | $0 |
| FNBO Direct vs Newtek Bank | 4.20% | $0.01 |
| FNBO Direct vs Openbank | 4.00% | $500 |
| FNBO Direct vs Pibank | 4.40% | $0 |
| FNBO Direct vs SoFi Bank | 4.00% | $0 |
| FNBO Direct vs Synchrony Bank | 3.40% | $0 |
| FNBO Direct vs Varo Bank | 5.00% | $0 |
| FNBO Direct vs Wealthfront | 4.20% | $0 |