FVCbank vs. Marcus by Goldman Sachs
Compare rates, requirements, and features side-by-side to find the best option for you.
| Metric | FVCbankAdvantage Direct Savings Jan 21, 2026 | Marcus by Goldman SachsMarcus Online Savings Account Jan 21, 2026 |
|---|---|---|
| APY | 3.85% | 3.65% |
Est. Earnings | $5,000+$193 $10,000+$385 $25,000+$963 | $5,000+$183 $10,000+$365 $25,000+$912 |
Min Deposit | $500 | $0 |
Snapshot view. Rates subject to change. | ||
| Features | FDIC InsuredLow MinimumsGreat iOS AppZelle® Supported | FDIC InsuredNo MinimumsGreat iOS AppGreat Android App |
Market Reality Check
Both of these banks offer rates below the current top tier. The best rates we track are currently above 4.20% APY.
Comparison Analysis
Comparing FVCbank vs. Marcus by Goldman Sachs
As of FVCbank offers an APY of 3.85% 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 pays $20 more than Marcus by Goldman Sachs on a $10,000 balance after one year. FVCbank pays $385, while Marcus by Goldman Sachs pays $365 - an APY advantage for FVCbank.
Why FVCbank?
- ✓Higher potential APY (3.85% vs 3.65%) on all balances
- ✓Fast transfers via Zelle®
Why Marcus by Goldman Sachs?
- ✓Higher rated iOS app (4.9 vs 4.4)
- ✓Higher rated Android app (4.9 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 $912/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 4.9 (vs. 4.4) and Android app rated 4.9 (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.
*This calculation assumes current rates remain consistent for 1 year and does not include temporary bonuses.
Executive Summary as of
FVCbank offers the Advantage Direct Savings account with a competitive APY of 3.85%, making it the winner in this comparison. This account requires a minimum deposit and balance of $500, but has no maintenance fees or direct deposit requirements, providing a straightforward savings option. In contrast, Marcus by Goldman Sachs features the Marcus Online Savings Account with a lower APY of 3.65% and no minimum deposit or balance requirements, also with no maintenance fees. Both accounts are online-only and FDIC insured, catering to different preferences in terms of deposit requirements.
The analysis is based on current Banksparency database records
* This content is provided for informational purposes only; always verify details with the provider.
Non-sponsored link to official site
Non-sponsored link to official site
Top Market Contenders
FVCbank vs. Marcus by Goldman Sachs Savings Calculator
You earn $20 more with FVCbank than Marcus by Goldman Sachs 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.
FVCbank
Advantage Direct Savings
Savings Breakdown
- Interest Earned+$385.00(3.7%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,385.00
Marcus by Goldman Sachs
Marcus Online Savings Account
Savings Breakdown
- Interest Earned+$365.00(3.5%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,365.00
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
| Feature | FVCbank | Marcus by Goldman Sachs |
|---|---|---|
| APY | 3.85% Verified: 1/21/2026 ↘︎ 0.25%90d Change | 3.65% Verified: 1/21/2026 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 | iOS4.9 Android4.9 |
| Zelle® Support | Available Integrated into mobile app. | Not Supported |
| BBB Rating | B- | A+ |
| Next Steps | Visit SiteVerify at FVCbank 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 | FVCbank | Marcus by Goldman Sachs |
|---|---|---|
| Advantage Direct Savings | Marcus Online Savings Account | |
Current APY | 3.85% | 3.65% |
Trend | Stable | Stable |
Velocity (bps/mo) | -8.4 | -1.0 |
Days Since Change | 81 | 238 |
10-Month High | 4.55% | 3.90% |
10-Month Low | 3.85% | 3.65% |
Adjustments / Mo | 0.78 | 0.19 |
Volatility Score | 0.064 | 0.013 |
How to read these metrics(Click to expand)
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