LendingClub vs. Marcus by Goldman Sachs
Compare rates, requirements, and features side-by-side to find the best option for you.
LendingClub
LevelUp Savings
Up to4.20%APYDec 6, 2025FDIC InsuredNo MinimumsGreat iOS AppGreat Android AppRange: 3.20% – 4.20%Show Fine Print & Trends Hide Details
LendingClub
LevelUp Savings
Marcus by Goldman Sachs
Marcus Online Savings Account
3.65%APYDec 6, 2025FDIC InsuredNo MinimumsGreat iOS AppGreat Android AppShow Fine Print & Trends Hide Details
Marcus by Goldman Sachs
Marcus Online Savings Account
Prefer In-Person Banking?
Both of these banks are online-only. If you need physical branch access, check out our list of high-yield accounts with brick-and-mortar locations.
Comparison Analysis
Comparing LendingClub vs. Marcus by Goldman Sachs
Why LendingClub?
- ✓Higher potential APY (4.20% vs 3.65%) on all balances
- ✓Higher rated Android app (4.7 vs 4.2)
Why Marcus by Goldman Sachs?
- ✓No checking account or direct deposit required
— Key Feature Differences —
Better Returns at $10,000
LendingClubLendingClub's LevelUp Savings earns more on smaller deposits (approx. $420 vs $365/yr).
Better Returns at $25,000
LendingClubLendingClub's LevelUp Savings pulls ahead with larger amounts (approx. $1050 vs $913/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.
Shared Benefits
Over a 1-year period, LendingClub's LevelUp Savings pays $55 more interest on a $10,000 balance than Marcus by Goldman Sachs's Marcus Online Savings Account.
Executive Summary
LendingClub's LevelUp Savings account leads with an APY of 4.20%, available when depositing $250 or more each month, while a lower rate of 3.20% applies otherwise. This account is online-only and does not require direct deposit. In contrast, Marcus by Goldman Sachs offers a Marcus Online Savings Account with a competitive APY of 3.65%, also online-only and with no direct deposit requirement. While both accounts have no maintenance fees and allow for a minimum deposit of $0, LendingClub's higher APY makes it the preferred choice for savers looking to maximize their returns.
Analysis generated based on current Banksparency database records
* AI-generated content provided for informational purposes only. Accuracy is not guaranteed; always verify details with the provider.
Top Market Contenders
See who beats both LendingClub and Marcus by Goldman Sachs.
| Feature | LendingClub | Marcus by Goldman Sachs |
|---|---|---|
| APY | 4.20% Range: 3.20% - 4.20% Verified: 12/6/2025 Stable (90d) | 3.65% Verified: 12/6/2025 Stable (90d) |
| Product Name | LevelUp Savings | Marcus Online Savings Account |
| Minimum Deposit | $0 | $0 |
| Min. Balance for APY | $0 | $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 | iOS4.8 Android4.7 | iOS4.8 Android4.2 |
| BBB Rating | A+ | A+ |
| Important Notes | The advertised "LevelUp Rate" APY of 4.20% is only available if you deposit $250+ into the account each month. Otherwise the "Standard Rate" of 3.20% applies. | - |
| Next Steps |
Savings Comparison
LendingClub earns $354.6 more than Marcus by Goldman Sachs.
LendingClub
LevelUp Savings
Savings Breakdown
- Interest Earned+$2,564.30(12.5%)
- Total Contributions$13,000
- Initial Deposit$5,000
Projected Balance
$20,564.30
Marcus by Goldman Sachs
Marcus Online Savings Account
Savings Breakdown
- Interest Earned+$2,209.70(10.9%)
- Total Contributions$13,000
- Initial Deposit$5,000
Projected Balance
$20,209.70
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
📈 Compare Savings Rates Over Time
Historical Performance
| Metric | LendingClub | Marcus by Goldman Sachs |
|---|---|---|
| LevelUp Savings | Marcus Online Savings Account | |
Current APY | 4.20% | 3.65% |
Trend | Stable | Stable |
Velocity (bps/mo) | -3.6 | -2.5 |
Days Since Change | 148 | 192 |
10-Month High | 4.50% | 3.90% |
10-Month Low | 4.20% | 3.65% |
Adjustments / Mo | 0.19 | 0.19 |
Volatility Score | 0.029 | 0.025 |
How to read these metrics(Click to expand)
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