Go2bank vs. Marcus By Goldman Sachs
High-Yield Savings Account Comparison
By Aviel Fahl|Last Updated: October 21, 2025
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Summary of GO2bank vs. Marcus by Goldman Sachs
Key Metrics at a Glance
| Feature | GO2bank | Marcus by Goldman Sachs |
|---|---|---|
| Top Savings APY | 4.50% High Yield Savings | 3.65% Marcus Online Savings Account |
| Minimum to Open | $0 | $0 |
| Minimum Balance for Top APY | $0 | $0 |
| Note | The 4.50% APY is up to 5,000. Balances above that earn no interest. |
GO2bank
Strengths
- GO2bank offers a competitive APY of 4.50%, higher than Marcus by Goldman Sachs.
- GO2bank has no minimum balance requirement for its High Yield Savings account.
- GO2bank's App Store rating is 4.8, matching Marcus by Goldman Sachs.
Potential Drawbacks
- GO2bank is not BBB Accredited and has a 'Not Rated' BBB rating.
- GO2bank charges a $5 monthly maintenance fee unless direct deposit is set up.
- GO2bank's Google Play rating is lower at 4.6 compared to Marcus's 4.1.
Marcus by Goldman Sachs
Strengths
- Marcus by Goldman Sachs has a strong BBB rating of A+.
- Marcus by Goldman Sachs has no maintenance fees for its savings account.
- Marcus by Goldman Sachs offers a user-friendly experience with a 4.1 Google Play rating.
Potential Drawbacks
- Marcus by Goldman Sachs has a lower APY of 3.65% compared to GO2bank.
- Marcus by Goldman Sachs also has a minimum balance requirement of $0, similar to GO2bank.
- Marcus by Goldman Sachs's App Store rating is equal at 4.8 but lower on Google Play.
→ As of October 21, 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.
→ Marcus by Goldman Sachs yields $140 more than GO2bank on a $10,000 balance after one year. GO2bank pays $225 (with an effective APY of 2.25%), while Marcus by Goldman Sachs pays $365 - an APY advantage for Marcus by Goldman Sachs.
Calculate Savings Growth for GO2bank vs Marcus by Goldman Sachs
GO2bank - High Yield Savings
ℹ️You earn 4.50% on the first $5,000 and 0.00% on the rest.
Total savings breakdown:
- Interest earned: $1,230.9 (6.40%)
- Total contributions: $13,000 (67.60%)
- Initial deposit: $5,000 (26.00%)
Your total balance
$19,230.90
Total balance: $19,230.9
Earnings: $1,230.9
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, GO2bank's total earnings would be $978.8 lower 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 GO2bank's vs Marcus by Goldman Sachs' Savings Accounts
| GO2bank | Marcus by Goldman Sachs | ||
|---|---|---|---|
| Product | High Yield Savings | vs | Marcus Online Savings Account |
| APY | 0.00% - 4.50% (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 | 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 3 Months)
| 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 | 76 | 76 | |
| High (-3 m) | 4.50 % | 3.65 % | |
| Low (-3 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 3 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 (-3 m)
- Highest APY in the last 77 days.
- Low (-3 m)
- Lowest APY in the last 77 days.
- Draw-down from High
- How far today sits below the 3-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.