Marcus by Goldman Sachs vs. MutualOne Bank
Comparing Marcus by Goldman Sachs and MutualOne Bank for high-yield savings: Marcus by Goldman Sachs's Marcus Online Savings Account pays 3.65% APY while MutualOne Bank's Mo Premium Savings pays 4.07% APY.
See how they compare on rate stability, mobile app ratings, and more below.
The Bottom Line
Who pays more interest on $10,000? Marcus by Goldman Sachs pays $365 more than MutualOne Bank annually ($365 vs $0).
Choose Marcus by Goldman Sachs if getting the best rate matters most. Choose MutualOne Bank if you value in-person banking, or you want Zelle for quick transfers.
| Metric | Marcus by Goldman SachsMarcus Online Savings Account Feb 21, 2026 | MutualOne BankMo Premium Savings Feb 21, 2026 |
|---|---|---|
| APY | 3.65% | 4.07% |
Est. Earnings | $5,000+$183 $10,000+$365 $25,000+$912 | $5,000+$0 $10,000+$0 $25,000+$1,018 |
Min Deposit | $0 | $20,000 |
Snapshot view. Rates subject to change. | ||
| Features | FDIC InsuredNo MinimumsGreat iOS AppGreat Android AppDaily CompoundingStable Rate | FDIC InsuredHigh MinimumGreat iOS AppGreat Android AppIn-Person AccessZelle® SupportedStable Rate |
Comparison Analysis
Comparing Marcus by Goldman Sachs vs. MutualOne Bank
Executive Summary
MutualOne Bank's Mo Premium Savings account stands out with a competitive APY of 4.07%, making it the top choice for savers looking for higher returns on larger deposits, as it requires a minimum deposit of $20,000. In contrast, Marcus by Goldman Sachs offers the Marcus Online Savings Account with a lower APY of 3.65%, but it has no minimum deposit requirement, making it accessible for smaller savers. Both accounts are FDIC-insured and have no maintenance fees. While the Mo Premium Savings account is available through both online and physical channels, the Marcus account is exclusively online.
The analysis is based on current Banksparency database records
* This content is provided for informational purposes only; always verify details with the provider.
Why Marcus by Goldman Sachs?
- ✓Higher rated Android app (4.9 vs 4.4)
Why MutualOne Bank?
- ✓Higher potential APY (4.07% vs 3.65%)
- ✓Physical branch access (Full-service banking offices in Framingham, MA, and Natick, MA)
- ✓Fast transfers via Zelle®
— Key Feature Differences —
Better Returns at $10,000
Marcus by Goldman SachsMarcus by Goldman Sachs's Marcus Online Savings Account earns more on smaller deposits (approx. $365 vs $0/yr).
Better Returns at $25,000
MutualOne BankMutualOne Bank's Mo Premium Savings pulls ahead with larger amounts (approx. $1018 vs $912/yr).
Best for Simplicity
MutualOne BankMutualOne Bank's Mo Premium Savings offers 4.07% APY with no bundling, direct deposit requirement or caps.
Shared Benefits
Over a 1-year period, MutualOne Bank's Mo Premium Savings pays $42 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
Marcus by Goldman Sachs vs. MutualOne Bank Savings Calculator
You earn $84 more with MutualOne Bank than Marcus by Goldman Sachs on a $20,000 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.
Marcus by Goldman Sachs
Marcus Online Savings Account
Savings Breakdown
- Interest Earned+$730.00(3.5%)
- Total Contributions$0
- Initial Deposit$20,000
Projected Balance
$20,730.00
MutualOne Bank
Mo Premium Savings
Savings Breakdown
- Interest Earned+$814.00(3.9%)
- Total Contributions$0
- Initial Deposit$20,000
Projected Balance
$20,814.00
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
| Feature | Marcus by Goldman Sachs | MutualOne Bank |
|---|---|---|
| APY | 3.65% Verified: 2/21/2026 Stable (90d) | 4.07% Verified: 2/21/2026 Stable (90d) |
| Product Name | Marcus Online Savings Account | Mo Premium Savings |
| Minimum Deposit | $0 | $20,000 |
| Min. Balance for APY | $0 | $20,000 |
| Monthly Fee | $0 | $0 |
| Compound Frequency | Daily | Monthly |
| Branch Access | None | Yes |
| Account Type | Online Only | Online & Branches |
| Physical Branches | N/A | Full-service banking offices in Framingham, MA, and Natick, MA |
| Direct Deposit Req. | None | None |
| Checking Bundle | No | No |
| Mobile Apps | ||
| FDIC Insured | YesVerify FDIC | YesVerify FDIC |
| Zelle® Support | Not Supported | Available Verified via website and app descriptions. |
| BBB Rating | A+ | A+ |
| Next Steps | Visit SiteVerify at Marcus by Goldman Sachs Non-sponsored link to official site | Visit SiteVerify at MutualOne Bank Non-sponsored link to official site |
📈 Compare Savings Rates Over Time
Historical Performance
| Metric | Marcus by Goldman Sachs | MutualOne Bank | |
|---|---|---|---|
| Marcus Online Savings Account | Online Savings | Mo Premium Savings | |
Current APY | 3.65% | 0.40% | 4.07% |
Trend | Stable | Stable | Stable |
Velocity (bps/mo) | 0.0 | 0.0 | -0.0 |
Days Since Change | 162 | 162 | 162 |
5-Month High | 3.65% | 0.40% | 4.07% |
5-Month Low | 3.65% | 0.40% | 4.07% |
Adjustments / Mo | 0.00 | 0.00 | 0.00 |
Volatility Score | 0.000 | 0.000 | 0.000 |
How to read these metrics(Click to expand)
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More Comparisons
Compare Marcus by Goldman Sachs' APY of 3.65% with other banks
Compare MutualOne Bank's APY of 4.07% with other banks
| Bank Pair | Competitor APY | Min Deposit |
|---|---|---|
| MutualOne Bank vs Ally Bank | 3.20% | $0 |
| MutualOne Bank vs American Express | 3.30% | $0 |
| MutualOne Bank vs Axos Bank | 4.21% | $0 |
| MutualOne Bank vs Bank of America | 0.01% | $100 |
| MutualOne Bank vs Barclays | 3.85% | $0 |
| MutualOne Bank vs Capital One | 3.30% | $0 |
| MutualOne Bank vs Chase Bank | 0.01% | $0 |
| MutualOne Bank vs Chime | 3.00% | $0 |
| MutualOne Bank vs CIT Bank | 3.75% | $100 |
| MutualOne Bank vs Citibank | 3.20% | $0 |
| MutualOne Bank vs Discover Bank | 3.30% | $0 |
| MutualOne Bank vs EverBank | 3.90% | $0 |
| MutualOne Bank vs Newtek Bank | 4.20% | $0.01 |
| MutualOne Bank vs Openbank | 4.09% | $500 |
| MutualOne Bank vs Pibank | 4.60% | $0 |
| MutualOne Bank vs SoFi Bank | 4.00% | $0 |
| MutualOne Bank vs Synchrony Bank | 3.50% | $0 |
| MutualOne Bank vs Varo Bank | 5.00% | $0 |
| MutualOne Bank vs Wealthfront | 3.95% | $0 |
| MutualOne Bank vs Wells Fargo | 0.05% | $25 |