Fvcbank vs. Marcus By Goldman Sachs
High-Yield Savings Account Comparison
By Aviel Fahl|Last Updated: October 21, 2025
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Summary of FVCbank vs. Marcus by Goldman Sachs
Key Metrics at a Glance
| Feature | FVCbank | Marcus by Goldman Sachs |
|---|---|---|
| Top Savings APY | 4.10% Advantage Direct Savings | 3.65% Marcus Online Savings Account |
| Minimum to Open | $500 | $0 |
| Minimum Balance for Top APY | $500 | $0 |
FVCbank
Strengths
- FVCbank offers a higher APY of 4.10% compared to Marcus's 3.65%.
- FVCbank has no maintenance fees for its Advantage Direct Savings account.
- FVCbank has a solid App Store rating of 4.4.
Potential Drawbacks
- FVCbank's APY decreased from 4.45% in the last 30 days.
- FVCbank requires a minimum deposit and balance of $500.
Marcus by Goldman Sachs
Strengths
- Marcus by Goldman Sachs has no minimum deposit or balance requirements.
- Marcus maintains a higher Google Play rating of 4.1.
Potential Drawbacks
- Marcus's APY is lower at 3.65% compared to FVCbank's 4.10%.
- Marcus has no recent increase in APY, remaining the same for 30 days.
→ As of October 21, 2025 FVCbank offers an APY of 4.10% 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 $45 more than Marcus by Goldman Sachs on a $10,000 balance after one year. FVCbank pays $410, while Marcus by Goldman Sachs pays $365 - an APY advantage for FVCbank.
Calculate Savings Growth for FVCbank vs Marcus by Goldman Sachs
FVCbank - Advantage Direct Savings
Total savings breakdown:
- Interest earned: $2,499.4 (12.19%)
- Total contributions: $13,000 (63.42%)
- Initial deposit: $5,000 (24.39%)
Your total balance
$20,499.40
Total balance: $20,499.4
Earnings: $2,499.4
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, FVCbank's total earnings would be $289.7 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 FVCbank's vs Marcus by Goldman Sachs' Savings Accounts
| FVCbank | Marcus by Goldman Sachs | ||
|---|---|---|---|
| Product | Advantage Direct Savings | vs | Marcus Online Savings Account |
| APY | 4.10% (as of 10/21/2025) | 3.65% (as of 10/21/2025) | |
| 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 | 3.6/5 | 4.1/5 | |
| BBB Rating | A+ | A+ |
Comparative Historical APY Insights (Last 7 Months)
| FVCbank | Marcus by Goldman Sachs | ||
|---|---|---|---|
| Product | Advantage Direct Savings | vs | Marcus Online Savings Account |
| Latest APY | 4.10 % | 3.65 % | |
| Trend | Falling | Sideways | |
| Slope (bps/mo) | -5.6 | -2.1 | |
| Rate Changes / Mo | 0.97 | 0.28 | |
| Days Since Last Change | 27 | 146 | |
| High (-7 m) | 4.55 % | 3.90 % | |
| Low (-7 m) | 4.10 % | 3.65 % | |
| Draw-down from High | -9.9 % | -6.4 % | |
| Volatility (CV) | 0.030 | 0.016 |
APY Insights Glossary
- Latest APY
- Most recent advertised annual-percentage yield.
- Trend
- Direction over the last 7 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 (-7 m)
- Highest APY in the last 217 days.
- Low (-7 m)
- Lowest APY in the last 217 days.
- Draw-down from High
- How far today sits below the 7-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.