Ivy Bank vs. Marcus by Goldman Sachs
Comparing Ivy Bank and Marcus by Goldman Sachs for high-yield savings: Ivy Bank's High-Yield Savings Account pays 3.85% APY while Marcus by Goldman Sachs's Marcus Online Savings Account pays 3.65% APY.
See how they compare on rate stability, mobile app ratings, and more below.
The Bottom Line
Who pays more interest on $10,000? Ivy Bank pays $20 more than Marcus by Goldman Sachs annually ($385 vs $365).
Choose Ivy Bank if getting the best rate matters most, or choose Marcus by Goldman Sachs if you're an Android user.
| Metric | Ivy BankHigh-Yield Savings Account Feb 21, 2026 | Marcus by Goldman SachsMarcus Online Savings Account Feb 21, 2026 |
|---|---|---|
| APY | 0.05% - 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 | $2,500 | $0 |
Snapshot view. Rates subject to change. | ||
| Features | FDIC InsuredMod. MinimumGreat iOS AppDaily CompoundingRate Changes Often | FDIC InsuredNo MinimumsGreat iOS AppGreat Android AppDaily CompoundingStable Rate |
Market Reality Check
Both of these banks offer rates below the current top tier. The best rates we track are currently above 4.15% APY.
Comparison Analysis
Comparing Ivy Bank vs. Marcus by Goldman Sachs
Executive Summary
Ivy Bank offers a High-Yield Savings Account with a competitive APY of 3.85%, which is higher than Marcus by Goldman Sachs's Marcus Online Savings Account at 3.65%. Both accounts have no maintenance fees and allow daily compounding, but Ivy Bank requires a minimum deposit and balance of $2,500, while Marcus has no minimum requirements. Additionally, Ivy Bank's account is limited to residents of California and U.S. Territories (excluding the District of Columbia), making Marcus a more accessible option for others. Both accounts are online-only and do not require direct deposits.
The analysis is based on current Banksparency database records
* This content is provided for informational purposes only; always verify details with the provider.
Why Ivy Bank?
- ✓Higher potential APY (3.85% vs 3.65%) on all balances
Why Marcus by Goldman Sachs?
- ✓No checking account or direct deposit required
- ✓Higher rated Android app (4.9 vs 0.0)
- ✓Available Nationwide
— Key Feature Differences —
Better Returns at $10,000
Ivy BankIvy Bank's High-Yield Savings Account earns more on smaller deposits (approx. $385 vs $365/yr).
Better Returns at $25,000
Ivy BankIvy Bank's High-Yield Savings Account pulls ahead with larger amounts (approx. $963 vs $912/yr).
Best for Simplicity
Marcus by Goldman SachsMarcus by Goldman Sachs's Marcus Online Savings Account offers 3.65% 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. 4.7) and Android app rated 4.9 (vs. 0.0)
Shared Benefits
Over a 1-year period, Ivy Bank's High-Yield Savings Account 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.
Non-sponsored link to official site
Non-sponsored link to official site
Top Market Contenders
Ivy Bank vs. Marcus by Goldman Sachs Savings Calculator
You earn $20 more with Ivy Bank 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.
Ivy Bank
High-Yield Savings Account
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.
Still banking with Chase, Bank of America, or Wells Fargo?
On a $10,000 balance, you're missing out on at least $364 per year in interest.
Both Ivy Bank and Marcus by Goldman Sachs dramatically outperform the typical 0.01% APY at traditional big banks.
| Feature | Ivy Bank | Marcus by Goldman Sachs |
|---|---|---|
| APY | 3.85% Range: 0.05% - 3.85% Verified: 2/21/2026 ↘︎ 0.40%90d Change | 3.65% Verified: 2/21/2026 Stable (90d) |
| Product Name | High-Yield Savings Account | Marcus Online Savings Account |
| Minimum Deposit | $2,500 | $0 |
| Min. Balance for APY | $2,500 | $0 |
| Monthly Fee | $0 | $0 |
| Compound Frequency | Daily | Daily |
| Branch Access | None | None |
| Account Type | Online Only | Online Only |
| Physical Branches | None | N/A |
| Direct Deposit Req. | None | None |
| Checking Bundle | No | No |
| Mobile Apps | ||
| FDIC Insured | YesVerify FDIC | YesVerify FDIC |
| Zelle® Support | Not Supported | Not Supported |
| BBB Rating | A- | A+ |
| Next Steps | Visit SiteVerify at Ivy Bank 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 | Ivy Bank | Marcus by Goldman Sachs |
|---|---|---|
| High-Yield Savings Account | Marcus Online Savings Account | |
Current APY | 3.85% | 3.65% |
Trend | Stable | Stable |
Velocity (bps/mo) | -11.1 | -0.0 |
Days Since Change | 3 | 100 |
3-Month High | 4.25% | 3.65% |
3-Month Low | 3.85% | 3.65% |
Adjustments / Mo | 0.90 | 0.00 |
Volatility Score | 0.028 | 0.000 |
How to read these metrics(Click to expand)
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High Rates (With Checking Bundle)
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More Comparisons
Compare Ivy Bank's APY of 3.85% with other banks
| Bank Pair | Competitor APY | Min Deposit |
|---|---|---|
| Ivy Bank vs Ally Bank | 3.20% | $0 |
| Ivy Bank vs American Express | 3.30% | $0 |
| Ivy Bank vs Axos Bank | 4.21% | $0 |
| Ivy Bank vs Bank of America | 0.01% | $100 |
| Ivy Bank vs Barclays | 3.85% | $0 |
| Ivy Bank vs Capital One | 3.30% | $0 |
| Ivy Bank vs Chase Bank | 0.01% | $0 |
| Ivy Bank vs Chime | 3.00% | $0 |
| Ivy Bank vs CIT Bank | 3.75% | $100 |
| Ivy Bank vs Citibank | 3.20% | $0 |
| Ivy Bank vs Discover Bank | 3.30% | $0 |
| Ivy Bank vs EverBank | 3.90% | $0 |
| Ivy Bank vs Newtek Bank | 4.20% | $0.01 |
| Ivy Bank vs Openbank | 4.09% | $500 |
| Ivy Bank vs Pibank | 4.60% | $0 |
| Ivy Bank vs SoFi Bank | 4.00% | $0 |
| Ivy Bank vs Synchrony Bank | 3.50% | $0 |
| Ivy Bank vs Varo Bank | 5.00% | $0 |
| Ivy Bank vs Wealthfront | 3.95% | $0 |
| Ivy Bank vs Wells Fargo | 0.05% | $25 |