Fvcbank vs Marcus By Goldman Sachs
High-Yield Savings Accounts Comparison
Last Updated: September 5, 2025
We earn a commission if you open an account through some links on this page.
Summary of FVCbank vs. Marcus by Goldman Sachs
As of September 5, 2025 FVCbank offers an APY of 4.35% for its Advantage Direct Savings account, with a minimum balance of $500, compared to Marcus by Goldman Sachs's 3.65% APY for its Marcus Online Savings Account, with a minimum balance of $0.
FVCbank yields $70 more than Marcus by Goldman Sachs on a $10,000 balance after one year. FVCbank pays $435, while Marcus by Goldman Sachs pays $365 - an APY advantage for FVCbank.
FVCbank
Strengths
- FVCbank offers a higher APY of 4.35% compared to Marcus by Goldman Sachs' 3.65%.
- FVCbank has no maintenance fees for its Advantage Direct Savings account.
- FVCbank's App Store rating is 4.4, higher than Marcus' 4.8.
Potential Drawbacks
- FVCbank's Google Play rating is lower at 3.4 compared to Marcus' 4.1.
- FVCbank requires a minimum deposit of $500 for its Advantage Direct Savings account.
Marcus by Goldman Sachs
Strengths
- Marcus by Goldman Sachs has no minimum deposit requirement for its savings account.
- Marcus has a higher Google Play rating of 4.1 compared to FVCbank's 3.4.
- Both banks have an A+ BBB rating, indicating strong trustworthiness.
Potential Drawbacks
- Marcus by Goldman Sachs offers a lower APY of 3.65% than FVCbank's 4.35%.
- Marcus has a maintenance fee of $0, similar to FVCbank, but lacks a higher APY.
Summary: FVCbank's Advantage Direct Savings account offers a higher APY of 4.35% with no maintenance fees, but requires a $500 minimum deposit. In contrast, Marcus by Goldman Sachs provides a lower APY of 3.65% without a minimum deposit requirement, and has a better App Store rating of 4.8. Both banks maintain an A+ BBB rating, ensuring trustworthiness.
Compare FVCbank's vs Marcus by Goldman Sachs' Savings Accounts
| FVCbank | Marcus by Goldman Sachs | ||
|---|---|---|---|
| Product | Advantage Direct Savings | vs | Marcus Online Savings Account |
| APY | 4.35% (as of 9/5/2025) | 3.65% (as of 9/5/2025) | |
| Bundled Account | No | No | |
| FDIC-insured | Yes | Yes | |
| Online Only | Yes | Yes | |
| Compound Frequency | N/A | Daily | |
| Minimum Deposit | $500 | $0 | |
| Minimum Balance for APY | $500 | $0 | |
| Maintenance Fee | $0 | $0 | |
| Direct Deposit Required | No | No | |
| App Store Rating | 4.4/5 | 4.8/5 | |
| Google Play Rating | 3.4/5 | 4.1/5 | |
| BBB Rating | A+ | A+ |
Comparative Historical APY Insights (Last 6 Months)
| FVCbank | Marcus by Goldman Sachs | ||
|---|---|---|---|
| Product | Advantage Direct Savings | vs | Marcus Online Savings Account |
| Latest APY | 4.35 % | 3.65 % | |
| Trend | Sideways | Sideways | |
| Slope (bps/mo) | -4.6 | -2.9 | |
| Rate Changes / Mo | 0.71 | 0.35 | |
| Days Since Last Change | 42 | 100 | |
| High (-6 m) | 4.55 % | 3.90 % | |
| Low (-6 m) | 4.35 % | 3.65 % | |
| Draw-down from High | -4.4 % | -6.4 % | |
| Volatility (CV) | 0.019 | 0.016 |
APY Insights Glossary
- Latest APY
- Most recent advertised annual-percentage yield.
- Trend
- Direction over the last 6 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 (-6 m)
- Highest APY in the last 170 days.
- Low (-6 m)
- Lowest APY in the last 170 days.
- Draw-down from High
- How far today sits below the 6-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.
Calculate Savings Growth for FVCbank vs Marcus by Goldman Sachs
All calculations are based on APY.
FVCbank
APY: 4.35%
Total savings breakdown:
- Interest earned: $2,662 (12.88%)
- Total contributions: $13,000 (62.92%)
- Initial deposit: $5,000 (24.20%)
Your total balance
$20,662.00
Effective APY: 4.35% (based on your deposit and contributions)
Total balance: $20,662
Earnings: $2,662
Bank OverviewMarcus by Goldman Sachs
APY: 3.65%
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
Effective APY: 3.65% (based on your deposit and contributions)
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, FVCbank's total earnings would be $452.3 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.
More Comparisons
Compare FVCbank's APY of 4.35% with other banks
| Bank Pair | Competitor APY | Min Deposit |
|---|---|---|
| FVCbank vs Ally Bank | 3.50% | $0 |
| FVCbank vs American Express | 3.50% | $0 |
| FVCbank vs Axos Bank | 4.46% | $0 |
| FVCbank vs Bank of America | 0.01% | $100 |
| FVCbank vs Barclays | 4.10% | $0 |
| FVCbank vs BrioDirect | 4.30% | $5,000 |
| FVCbank vs Capital One | 3.50% | $0 |
| FVCbank vs Chase Bank | 0.01% | $0 |
| FVCbank vs Chime | 3.75% | $0 |
| FVCbank vs CIT Bank | 4.00% | $100 |
| FVCbank vs Discover Bank | 3.50% | $0 |
| FVCbank vs Elevault | 4.60% | $0 |
| FVCbank vs EverBank | 4.30% | $0 |
| FVCbank vs Fitness Bank | 4.75% | $100 |
| FVCbank vs GO2bank | 4.50% | $0 |
| FVCbank vs Neighbors Bank | 4.60% | $0 |
| FVCbank vs Newtek Bank | 4.35% | $0 |
| FVCbank vs Peak Bank | 4.35% | $100 |
| FVCbank vs Pibank | 4.60% | $0 |
| FVCbank vs Presidential Bank | 4.50% | $5,000 |
| FVCbank vs Santander Bank | 0.03% | $25 |
| FVCbank vs SoFi Bank | 3.80% | $0 |
| FVCbank vs Synchrony Bank | 3.80% | $0 |
| FVCbank vs TIMBR | 4.40% | $1,000 |
| FVCbank vs UFB Direct | 4.21% | $5000 |
| FVCbank vs Varo Bank | 5.00% | $0 |
| FVCbank vs Wells Fargo | 2.51% | $25 |
| FVCbank vs Zynlo Bank | 4.35% | $10 |