Forbright Bank vs. Marcus By Goldman Sachs
High-Yield Savings Account Comparison
By Aviel Fahl|Last Updated: November 12, 2025
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Summary of Forbright Bank vs. Marcus by Goldman Sachs
Key Metrics at a Glance
| Feature | Forbright Bank | Marcus by Goldman Sachs |
|---|---|---|
| Top Savings APY | 4.00% Growth Savings | 3.65% Marcus Online Savings Account |
| Minimum to Open | $0 | $0 |
| Minimum Balance for Top APY | $0 | $0 |
Forbright Bank
Strengths
- Forbright Bank offers a higher APY of 4.00% on its Growth Savings account.
- Forbright Bank has a better Google Play rating of 4.6 compared to Marcus's 4.1.
- Forbright Bank has a BBB accreditation, ensuring trustworthiness.
Potential Drawbacks
- Forbright Bank has fewer branch locations, limited to the Washington D.C. area.
- Forbright Bank's Bright Savings account requires a high minimum balance of $250,000 for the best APY.
Marcus by Goldman Sachs
Strengths
- Marcus by Goldman Sachs has no minimum deposit requirement for its savings account.
- Marcus offers a consistent APY of 3.65%, unchanged over the past 30 days.
Potential Drawbacks
- Marcus by Goldman Sachs has a lower APY of 3.65% compared to Forbright Bank's 4.00%.
- Marcus has a lower Google Play rating of 4.1 compared to Forbright Bank's 4.6.
→ As of November 12, 2025 Forbright Bank offers an APY of 4.00% for its Growth 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.
→ Forbright Bank yields $35 more than Marcus by Goldman Sachs on a $10,000 balance after one year. Forbright Bank pays $400, while Marcus by Goldman Sachs pays $365 - an APY advantage for Forbright Bank.
→ In addition, Forbright Bank also offers 3.65% APY for the Bright Savings account.
Calculate Savings Growth for Forbright Bank vs Marcus by Goldman Sachs
Forbright Bank - Growth Savings
Total savings breakdown:
- Interest earned: $2,434.7 (11.91%)
- Total contributions: $13,000 (63.62%)
- Initial deposit: $5,000 (24.47%)
Your total balance
$20,434.70
Total balance: $20,434.7
Earnings: $2,434.7
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, Forbright Bank's total earnings would be $225 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 Forbright Bank's vs Marcus by Goldman Sachs' Savings Accounts
| Forbright Bank | Marcus by Goldman Sachs | ||||
|---|---|---|---|---|---|
| Product | Growth Savings | Bright Savings | Sprout Savings | vs | Marcus Online Savings Account |
| APY | 4.00% (as of 11/12/2025) | 2.75% - 3.65% (as of 11/12/2025) | 0.80% - 3.65% (as of 11/12/2025) | 3.65% (as of 11/12/2025) | |
| Bundled Account | No | No | No | No | |
| FDIC-insured | Yes | Yes | Yes | Yes | |
| Online Only | Yes | No | No | Yes | |
| Compound Frequency | Daily | Daily | Daily | Daily | |
| Minimum Deposit | $0 | $250 | $1 | $0 | |
| Minimum Balance for APY | $0 | $250,000 | $0.01 | $0 | |
| Maintenance Fee | $0 | $0 | $0 | $0 | |
| Direct Deposit Required | No | No | No | No | |
| Eligibility | United States | This account must be opened in a Forbright branch (Washington, D.C. metro area) | This account is for children under 18 years old, where the account custodian is an existing customer. It must be opened in a Forbright branch (Washington, D.C. metro area) | United States | |
| Note | This is a tiered savings account, where the highest rate is obtained by meeting a minimum balance of $250,000. A lower APY of 2.75% may be obtained with as little as $0.01 in balance. See bank for more details and all tiers. | This is a tiered savings account, where the highest rate is capped at a balance of $9,999. A lower APY of 0.80% is applied to balances above that. See bank for more details. | |||
| App Store Rating | 4.8/5 | 4.8/5 | |||
| Google Play Rating | 4.6/5 | 4.1/5 | |||
| BBB Rating | A+ | A+ | |||
Comparative Historical APY Insights (Last 9 Months)
| Forbright Bank | Marcus by Goldman Sachs | ||||
|---|---|---|---|---|---|
| Product | Sprout Savings | Bright Savings | Growth Savings | vs | Marcus Online Savings Account |
| Latest APY | 3.65 % | 3.65 % | 4.00 % | 3.65 % | |
| Trend | Sideways | Sideways | Sideways | Sideways | |
| Slope (bps/mo) | -2.7 | -2.7 | -1.9 | -2.9 | |
| Rate Changes / Mo | 0.10 | 0.10 | 0.10 | 0.21 | |
| Days Since Last Change | 43 | 43 | 35 | 169 | |
| High (-9 m) | 3.90 % | 3.90 % | 4.25 % | 3.90 % | |
| Low (-9 m) | 3.65 % | 3.65 % | 4.00 % | 3.65 % | |
| Draw-down from High | -6.4 % | -6.4 % | -5.9 % | -6.4 % | |
| Volatility (CV) | 0.026 | 0.026 | 0.021 | 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 289 days.
- Low (-9 m)
- Lowest APY in the last 289 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.