FVCbank vs. Marcus by Goldman Sachs
Compare rates, requirements, and features side-by-side to find the best option for you.
FVCbank
Advantage Direct Savings
3.85%APYDec 6, 2025FDIC InsuredLow MinimumsGreat iOS AppShow Fine Print & Trends Hide Details
FVCbank
Advantage Direct Savings
Marcus by Goldman Sachs
Marcus Online Savings Account
3.65%APYDec 6, 2025FDIC InsuredNo MinimumsGreat iOS AppGreat Android AppShow Fine Print & Trends Hide Details
Marcus by Goldman Sachs
Marcus Online Savings Account
Market Reality Check
Both of these banks offer rates below the current top tier. The best rates we track are currently above 4.25% APY.
Comparison Analysis
Comparing FVCbank vs. Marcus by Goldman Sachs
Why FVCbank?
- ✓Higher potential APY (3.85% vs 3.65%) on all balances
Why Marcus by Goldman Sachs?
- ✓Higher rated iOS app (4.8 vs 4.4)
- ✓Higher rated Android app (4.2 vs 3.6)
— Key Feature Differences —
Better Returns at $10,000
FVCbankFVCbank's Advantage Direct Savings earns more on smaller deposits (approx. $385 vs $365/yr).
Better Returns at $25,000
FVCbankFVCbank's Advantage Direct Savings pulls ahead with larger amounts (approx. $963 vs $913/yr).
Best for Simplicity
FVCbankFVCbank's Advantage Direct Savings offers 3.85% 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 4.8 (vs. 4.4) and Android app rated 4.2 (vs. 3.6)
Shared Benefits
Over a 1-year period, FVCbank's Advantage Direct Savings pays $20 more interest on a $10,000 balance than Marcus by Goldman Sachs's Marcus Online Savings Account.
Executive Summary
FVCbank offers a competitive Advantage Direct Savings account with an APY of 3.85%, making it the winner in this comparison. This account requires a minimum deposit of $500 and has no maintenance fees or direct deposit requirements, making it accessible for those looking for simplicity. In contrast, Marcus by Goldman Sachs provides an Online Savings Account with a lower APY of 3.65%, but it has no minimum deposit or balance requirements, which may appeal to those starting with smaller amounts. Both accounts are online-only and FDIC insured.
Analysis generated based on current Banksparency database records
* AI-generated content provided for informational purposes only. Accuracy is not guaranteed; always verify details with the provider.
Top Market Contenders
See who beats both FVCbank and Marcus by Goldman Sachs.
| Feature | FVCbank | Marcus by Goldman Sachs |
|---|---|---|
| APY | 3.85% Verified: 12/6/2025 ↘︎ 0.50%90d Change | 3.65% Verified: 12/6/2025 Stable (90d) |
| Product Name | Advantage Direct Savings | Marcus Online Savings Account |
| Minimum Deposit | $500 | $0 |
| Min. Balance for APY | $500 | $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 | iOS4.4 Android3.6 | iOS4.8 Android4.2 |
| BBB Rating | B- | A+ |
| Next Steps |
Savings Comparison
FVCbank earns $128.3 more than Marcus by Goldman Sachs.
FVCbank
Advantage Direct Savings
Savings Breakdown
- Interest Earned+$2,338.00(11.5%)
- Total Contributions$13,000
- Initial Deposit$5,000
Projected Balance
$20,338.00
Marcus by Goldman Sachs
Marcus Online Savings Account
Savings Breakdown
- Interest Earned+$2,209.70(10.9%)
- Total Contributions$13,000
- Initial Deposit$5,000
Projected Balance
$20,209.70
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
📈 Compare Savings Rates Over Time
Historical Performance
| Metric | FVCbank | Marcus by Goldman Sachs |
|---|---|---|
| Advantage Direct Savings | Marcus Online Savings Account | |
Current APY | 3.85% | 3.65% |
Trend | Stable | Stable |
Velocity (bps/mo) | -8.3 | -1.4 |
Days Since Change | 35 | 192 |
9-Month High | 4.55% | 3.90% |
9-Month Low | 3.85% | 3.65% |
Adjustments / Mo | 0.92 | 0.23 |
Volatility Score | 0.056 | 0.014 |
How to read these metrics(Click to expand)
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