Ivy Bank vs. Marcus By Goldman Sachs
High-Yield Savings Account Comparison
By Aviel Fahl|Last Updated: November 12, 2025
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Summary of Ivy Bank vs. Marcus by Goldman Sachs
Key Metrics at a Glance
| Feature | Ivy Bank | Marcus by Goldman Sachs |
|---|---|---|
| Top Savings APY | 4.25% High-Yield Savings Account | 3.65% Marcus Online Savings Account |
| Minimum to Open | $2,500 | $0 |
| Minimum Balance for Top APY | $2,500 | $0 |
Ivy Bank
Strengths
- Ivy Bank offers a higher APY of 4.25% compared to Marcus's 3.65%.
- Ivy Bank has no maintenance fees for its High-Yield Savings Account.
- Ivy Bank's App Store rating is 4.7, slightly lower than Marcus's.
Potential Drawbacks
- Ivy Bank is not BBB accredited, while Marcus has an A+ rating.
- Ivy Bank requires a minimum deposit and balance of $2,500.
- Ivy Bank's Google Play rating is 3.5, lower than Marcus's 4.1.
Marcus by Goldman Sachs
Strengths
- Marcus has no minimum deposit or balance requirements for its savings account.
- Marcus's BBB rating is A+, indicating higher trustworthiness.
- Marcus's Google Play rating is 4.1, higher than Ivy Bank's.
Potential Drawbacks
- Marcus offers a lower APY of 3.65% compared to Ivy Bank's 4.25%.
- Marcus's App Store rating is 4.8, slightly higher than Ivy Bank's.
- Marcus has no maintenance fees, similar to Ivy Bank.
→ As of November 12, 2025 Ivy Bank offers an APY of 4.25% for its High-Yield Savings Account, with a minimum balance of $2,500, compared to Marcus by Goldman Sachs's 3.65% APY for its Marcus Online Savings Account, with a minimum balance of $0.
→ Ivy Bank yields $60 more than Marcus by Goldman Sachs on a $10,000 balance after one year. Ivy Bank pays $425, while Marcus by Goldman Sachs pays $365 - an APY advantage for Ivy Bank.
Calculate Savings Growth for Ivy Bank vs Marcus by Goldman Sachs
Ivy Bank - High-Yield Savings Account
Total savings breakdown:
- Interest earned: $2,596.8 (12.61%)
- Total contributions: $13,000 (63.12%)
- Initial deposit: $5,000 (24.28%)
Your total balance
$20,596.80
Total balance: $20,596.8
Earnings: $2,596.8
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, Ivy Bank's total earnings would be $387.1 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 Ivy Bank's vs Marcus by Goldman Sachs' Savings Accounts
| Ivy Bank | Marcus by Goldman Sachs | ||
|---|---|---|---|
| Product | High-Yield Savings Account | vs | Marcus Online Savings Account |
| APY | 0.05% - 4.25% (as of 11/12/2025) | 3.65% (as of 11/12/2025) | |
| Bundled Account | No | No | |
| FDIC-insured | Yes | Yes | |
| Online Only | Yes | Yes | |
| Compound Frequency | Daily | Daily | |
| Minimum Deposit | $2,500 | $0 | |
| Minimum Balance for APY | $2,500 | $0 | |
| Maintenance Fee | $0 | $0 | |
| Direct Deposit Required | No | No | |
| Eligibility | Residents of California and U.S. Territories (except District of Columbia) are ineligible to apply. | United States | |
| App Store Rating | 4.7/5 | 4.8/5 | |
| Google Play Rating | 3.5/5 | 4.1/5 | |
| BBB Rating | A- | A+ |
No historical data available.