Go2bank vs Marcus By Goldman Sachs
High-Yield Savings Accounts Comparison
Last Updated: September 5, 2025
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Summary of GO2bank vs. Marcus by Goldman Sachs
As of September 5, 2025 GO2bank offers an APY of 4.50% for its High Yield 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.
GO2bank yields $85 more than Marcus by Goldman Sachs on a $10,000 balance after one year. GO2bank pays $450, while Marcus by Goldman Sachs pays $365 - an APY advantage for GO2bank.
GO2bank
Strengths
- GO2bank offers a higher APY of 4.50% for balances up to $5,000.
- GO2bank has a higher App Store rating of 4.8 compared to Marcus's 4.8.
- No minimum balance requirement for GO2bank's High Yield Savings account.
Potential Drawbacks
- GO2bank is not BBB Accredited and has no BBB rating.
- GO2bank charges a $5 monthly maintenance fee unless direct deposit is set up.
- GO2bank's APY is capped at $5,000; higher balances earn no interest.
Marcus by Goldman Sachs
Strengths
- Marcus by Goldman Sachs has an A+ BBB rating, indicating strong trustworthiness.
- Marcus has no monthly maintenance fees, providing better cost efficiency.
- Marcus's APY of 3.65% is stable and reliable.
Potential Drawbacks
- Marcus's APY of 3.65% is lower than GO2bank's 4.50%.
- Marcus has a lower Google Play rating of 4.1 compared to GO2bank's 4.6.
- No interest is earned on balances above the minimum, similar to GO2bank.
Summary: GO2bank offers a higher APY of 4.50% but has a $5 monthly fee unless direct deposit is set up and lacks BBB accreditation. In contrast, Marcus by Goldman Sachs provides a reliable 3.65% APY with no fees and an A+ BBB rating, making it a trustworthy option. Both banks have no minimum balance requirements, but GO2bank's capped interest on higher balances could be a drawback.
Compare GO2bank's vs Marcus by Goldman Sachs' Savings Accounts
| GO2bank | Marcus by Goldman Sachs | ||
|---|---|---|---|
| Product | High Yield Savings | vs | Marcus Online Savings Account |
| APY | 4.50% (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 | Quarterly | Daily | |
| Minimum Deposit | $0 | $0 | |
| Minimum Balance for APY | $0 | $0 | |
| Maintenance Fee | $5 per month, unless you set up direct deposit | $0 | |
| Direct Deposit Required | No | No | |
| Note | The 4.50% APY is up to $5,000. Balances above that earn no interest. | ||
| App Store Rating | 4.8/5 | 4.8/5 | |
| Google Play Rating | 4.6/5 | 4.1/5 | |
| BBB Rating | Not Rated | A+ |
Comparative Historical APY Insights (Last 1 Month)
| GO2bank | Marcus by Goldman Sachs | ||
|---|---|---|---|
| Product | High Yield Savings | vs | Marcus Online Savings Account |
| Latest APY | 4.50 % | 3.65 % | |
| Trend | Sideways | Sideways | |
| Slope (bps/mo) | 0.0 | -0.0 | |
| Rate Changes / Mo | 0.00 | 0.00 | |
| Days Since Last Change | 29 | 29 | |
| High (-1 m) | 4.50 % | 3.65 % | |
| Low (-1 m) | 4.50 % | 3.65 % | |
| Draw-down from High | 0.0 % | 0.0 % | |
| Volatility (CV) | 0.000 | 0.000 |
APY Insights Glossary
- Latest APY
- Most recent advertised annual-percentage yield.
- Trend
- Direction over the last 1 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 (-1 m)
- Highest APY in the last 30 days.
- Low (-1 m)
- Lowest APY in the last 30 days.
- Draw-down from High
- How far today sits below the 1-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 GO2bank vs Marcus by Goldman Sachs
All calculations are based on APY.
GO2bank
APY: 4.50%
Total savings breakdown:
- Interest earned: $2,760.1 (13.30%)
- Total contributions: $13,000 (62.62%)
- Initial deposit: $5,000 (24.08%)
Your total balance
$20,760.10
Effective APY: 4.50% (based on your deposit and contributions)
Total balance: $20,760.1
Earnings: $2,760.1
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, GO2bank's total earnings would be $550.4 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 GO2bank's APY of 4.50% with other banks
| Bank Pair | Competitor APY | Min Deposit |
|---|---|---|
| GO2bank vs Ally Bank | 3.50% | $0 |
| GO2bank vs American Express | 3.50% | $0 |
| GO2bank vs Axos Bank | 4.46% | $0 |
| GO2bank vs Bank of America | 0.01% | $100 |
| GO2bank vs Barclays | 4.10% | $0 |
| GO2bank vs BrioDirect | 4.30% | $5,000 |
| GO2bank vs Capital One | 3.50% | $0 |
| GO2bank vs Chase Bank | 0.01% | $0 |
| GO2bank vs Chime | 3.75% | $0 |
| GO2bank vs CIT Bank | 4.00% | $100 |
| GO2bank vs Discover Bank | 3.50% | $0 |
| GO2bank vs Elevault | 4.60% | $0 |
| GO2bank vs EverBank | 4.30% | $0 |
| GO2bank vs Fitness Bank | 4.75% | $100 |
| GO2bank vs FVCbank | 4.35% | $500 |
| GO2bank vs Neighbors Bank | 4.60% | $0 |
| GO2bank vs Newtek Bank | 4.35% | $0 |
| GO2bank vs Peak Bank | 4.35% | $100 |
| GO2bank vs Pibank | 4.60% | $0 |
| GO2bank vs Presidential Bank | 4.50% | $5,000 |
| GO2bank vs Santander Bank | 0.03% | $25 |
| GO2bank vs SoFi Bank | 3.80% | $0 |
| GO2bank vs Synchrony Bank | 3.80% | $0 |
| GO2bank vs TIMBR | 4.40% | $1,000 |
| GO2bank vs UFB Direct | 4.21% | $5000 |
| GO2bank vs Varo Bank | 5.00% | $0 |
| GO2bank vs Wells Fargo | 2.51% | $25 |
| GO2bank vs Zynlo Bank | 4.35% | $10 |