Marcus by Goldman Sachs vs. Neighbors Bank
Compare rates, requirements, and features side-by-side to find the best option for you.
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
Neighbors Bank
Neighbors Savings Account
4.50%APYDec 6, 2025FDIC InsuredNo MinimumsGreat Android AppIn-Person AccessShow Fine Print & Trends Hide Details
Neighbors Bank
Neighbors Savings Account
Comparison Analysis
Comparing Marcus by Goldman Sachs vs. Neighbors Bank
Why Marcus by Goldman Sachs?
- ✓Higher rated iOS app (4.8 vs 3.3)
- ✓Available Nationwide
Why Neighbors Bank?
- ✓Higher potential APY (4.50% vs 3.65%) on all balances
- ✓Physical branch access (One location in Columbia, Missouri)
— Key Feature Differences —
Better Returns at $10,000
Neighbors BankNeighbors Bank's Neighbors Savings Account earns more on smaller deposits (approx. $450 vs $365/yr).
Better Returns at $25,000
Neighbors BankNeighbors Bank's Neighbors Savings Account pulls ahead with larger amounts (approx. $1125 vs $913/yr).
Best for Simplicity
Neighbors BankNeighbors Bank's Neighbors Savings Account offers 4.50% 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 4.8 (vs. 3.3) and Android app rated 4.2 (vs. 4.4)
Shared Benefits
Over a 1-year period, Neighbors Bank's Neighbors Savings Account pays $85 more interest on a $10,000 balance than Marcus by Goldman Sachs's Marcus Online Savings Account.
Executive Summary
Neighbors Bank offers a competitive Neighbors Savings Account with a 4.50% APY, making it the winner in this comparison. This account allows balances up to $250,000 to earn the full rate, with no direct deposit requirement, maintenance fees, or minimum balance needed, although it is not available in Delaware. In contrast, Marcus by Goldman Sachs provides a Marcus Online Savings Account with a lower APY of 3.65%. While Marcus boasts a strong mobile app experience, the higher yield from Neighbors Bank makes it the more attractive option for savers.
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 Marcus by Goldman Sachs and Neighbors Bank.
| Feature | Marcus by Goldman Sachs | Neighbors Bank |
|---|---|---|
| APY | 3.65% Verified: 12/6/2025 Stable (90d) | 4.50% Verified: 12/6/2025 ↘︎ 0.10%90d Change |
| Product Name | Marcus Online Savings Account | Neighbors Savings Account |
| Minimum Deposit | $0 | $0 |
| Min. Balance for APY | $0 | $0 |
| 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 | iOS4.8 Android4.2 | iOS3.3 Android4.4 |
| BBB Rating | A+ | A+ |
| Important Notes | - | Balances up to $250,000 earn 4.50% APY. Anything above will earn 0.05% APY. |
| Next Steps |
Savings Comparison
Neighbors Bank earns $550.4 more than Marcus by Goldman Sachs.
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
Neighbors Bank
Neighbors Savings Account
Savings Breakdown
- Interest Earned+$2,760.10(13.3%)
- Total Contributions$13,000
- Initial Deposit$5,000
Projected Balance
$20,760.10
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
📈 Compare Savings Rates Over Time
Historical Performance
| Metric | Marcus by Goldman Sachs | Neighbors Bank |
|---|---|---|
| Marcus Online Savings Account | Neighbors Savings Account | |
Current APY | 3.65% | 4.50% |
Trend | Stable | Stable |
Velocity (bps/mo) | -2.1 | -1.5 |
Days Since Change | 192 | 53 |
9-Month High | 3.90% | 4.75% |
9-Month Low | 3.65% | 4.50% |
Adjustments / Mo | 0.21 | 0.21 |
Volatility Score | 0.021 | 0.012 |
How to read these metrics(Click to expand)
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