Marcus by Goldman Sachs vs. MutualOne Bank
Compare rates, requirements, and features side-by-side to find the best option for you.
| Metric | Marcus by Goldman SachsMarcus Online Savings Account Jan 7, 2026 | MutualOne BankMo Premium Savings Jan 7, 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 App | FDIC InsuredHigh MinimumGreat iOS AppGreat Android AppIn-Person AccessZelle® Supported |
Market Reality Check
Both of these banks offer rates below the current top tier. The best rates we track are currently above 4.21% APY.
Comparison Analysis
Comparing Marcus by Goldman Sachs vs. MutualOne Bank
As of Marcus by Goldman Sachs offers an APY of 3.65% for its Marcus Online Savings Account, with a minimum balance of $0, compared to MutualOne Bank's 4.07% APY for its Mo Premium Savings account, with a minimum balance of $20,000.
MutualOne Bank pays $42 more than Marcus by Goldman Sachs on a $10,000 balance after one year. Marcus by Goldman Sachs pays $365, while MutualOne Bank pays $407 - an APY advantage for MutualOne Bank.
In addition, MutualOne Bank also offers 0.40% APY for the Online Savings account, with a minimum balance of 0.
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.
Executive Summary as of
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, especially on larger deposits, with no direct deposit requirement or caps. In comparison, Marcus by Goldman Sachs offers the Marcus Online Savings Account at a lower APY of 3.65%. While Marcus has no minimum deposit requirement, the Mo Premium Savings account requires a minimum deposit of $20,000. Both accounts are FDIC insured, and while Marcus is online-only, MutualOne Bank provides both online and physical access.
The analysis is based on current Banksparency database records
* This content is provided for informational purposes only; always verify details with the provider.
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: 1/7/2026 Stable (90d) | 4.07% Verified: 1/7/2026 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 |
| Branch Access | None | Yes |
| Account Type | Online Only | Online & Branches |
| Direct Deposit Req. | None | None |
| Checking Bundle | No | No |
| Mobile Apps | iOS4.9 Android4.9 | iOS4.9 Android4.4 |
| 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 | 114 | 114 | 114 |
4-Month High | 3.65% | 0.40% | 4.07% |
4-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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