Marcus By Goldman Sachs vs. Neighbors Bank
High-Yield Savings Account Comparison
By Aviel Fahl|Last Updated: October 21, 2025
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Summary of Marcus by Goldman Sachs vs. Neighbors Bank
Key Metrics at a Glance
| Feature | Marcus by Goldman Sachs | Neighbors Bank |
|---|---|---|
| Top Savings APY | 3.65% Marcus Online Savings Account | 4.50% Neighbors Savings Account |
| Minimum to Open | $0 | $0 |
| Minimum Balance for Top APY | $0 | $0 |
| Note | Balances up to $250,000 earn 4.50% APY. Anything above will earn 0.05% APY. |
Marcus by Goldman Sachs
Strengths
- Marcus Online Savings Account has no minimum deposit or balance requirements.
- Marcus by Goldman Sachs has a high App Store rating of 4.8.
- No maintenance fees for Marcus Online Savings Account.
Potential Drawbacks
- Marcus Online Savings Account's APY is lower than Neighbors Bank's at 3.65%.
- Marcus by Goldman Sachs has no physical branches.
- Marcus by Goldman Sachs has a lower Google Play rating of 4.1.
Neighbors Bank
Strengths
- Neighbors Savings Account offers a higher APY of 4.50%.
- Neighbors Bank has a Google Play rating of 4.3.
- Neighbors Bank has a physical branch location in Columbia, Missouri.
Potential Drawbacks
- Neighbors Bank's APY decreased from 4.60% in the last 30 days.
- Neighbors Bank is not BBB Accredited despite an A+ rating.
- Neighbors Savings Account may have lower rates for balances above $250,000.
→ As of October 21, 2025 Marcus by Goldman Sachs offers an APY of 3.65% for its Marcus Online Savings Account, with a minimum balance of $0, compared to Neighbors Bank's 4.50% APY for its Neighbors Savings Account, with a minimum balance of $0.
→ Neighbors Bank yields $85 more than Marcus by Goldman Sachs on a $10,000 balance after one year. Marcus by Goldman Sachs pays $365, while Neighbors Bank pays $450 - an APY advantage for Neighbors Bank.
Calculate Savings Growth for Marcus by Goldman Sachs vs Neighbors Bank
Marcus by Goldman Sachs - Marcus Online Savings Account
Total savings breakdown:
- Interest earned: $2,209.7 (10.93%)
- Total contributions: $13,000 (64.33%)
- Initial deposit: $5,000 (24.74%)
Your total balance
$20,209.70
Total balance: $20,209.7
Earnings: $2,209.7
Bank OverviewNeighbors Bank - Neighbors Savings Account
Total savings breakdown:
- Interest earned: $2,760.1 (13.30%)
- Total contributions: $13,000 (62.62%)
- Initial deposit: $5,000 (24.08%)
Your total balance
$20,760.10
Total balance: $20,760.1
Earnings: $2,760.1
Bank OverviewWith a $5,000 initial deposit and $13,000 in total contributions over 5 years, Marcus by Goldman Sachs's total earnings would be $550.4 lower than Neighbors Bank's total earnings.
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
Compare Marcus by Goldman Sachs' vs Neighbors Bank's Savings Accounts
| Marcus by Goldman Sachs | Neighbors Bank | ||
|---|---|---|---|
| Product | Marcus Online Savings Account | vs | Neighbors Savings Account |
| APY | 3.65% (as of 10/21/2025) | 4.50% (as of 10/21/2025) | |
| Bundled Account | No | No | |
| FDIC-insured | Yes | Yes | |
| Online Only | Yes | No | |
| Compound Frequency | Daily | N/A | |
| Minimum Deposit | $0 | $0 | |
| Minimum Balance for APY | $0 | $0 | |
| Maintenance Fee | $0 | $0 | |
| Direct Deposit Required | No | No | |
| Eligibility | United States | Not available in Delaware. | |
| Note | Balances up to $250,000 earn 4.50% APY. Anything above will earn 0.05% APY. | ||
| App Store Rating | 4.8/5 | 3.3/5 | |
| Google Play Rating | 4.1/5 | 4.3/5 | |
| BBB Rating | A+ | A+ |
Comparative Historical APY Insights (Last 8 Months)
| Marcus by Goldman Sachs | Neighbors Bank | ||
|---|---|---|---|
| Product | Marcus Online Savings Account | vs | Neighbors Savings Account |
| Latest APY | 3.65 % | 4.50 % | |
| Trend | Sideways | Sideways | |
| Slope (bps/mo) | -2.9 | -0.9 | |
| Rate Changes / Mo | 0.25 | 0.25 | |
| Days Since Last Change | 146 | 7 | |
| High (-8 m) | 3.90 % | 4.75 % | |
| Low (-8 m) | 3.65 % | 4.50 % | |
| Draw-down from High | -6.4 % | -5.3 % | |
| Volatility (CV) | 0.022 | 0.009 |
APY Insights Glossary
- Latest APY
- Most recent advertised annual-percentage yield.
- Trend
- Direction over the last 8 months (regression slope).
- Slope (bps/mo)
- Average monthly change; 10 bps = 0.10 pp.
- Rate Changes / Mo
- Typical number of APY moves per month.
- Days Since Last Change
- Recency of the latest APY adjustment.
- High (-8 m)
- Highest APY in the last 237 days.
- Low (-8 m)
- Lowest APY in the last 237 days.
- Draw-down from High
- How far today sits below the 8-month peak.
- Volatility (CV)
- Coefficient of variation = stdev ÷ mean.
Why Track Savings-Account APYs?
- See how quickly a bank reacts to Fed moves or competition.
- Gauge “twitchiness” - frequent moves can annoy savers.
- Spot if you're buying near a peak (draw-down) or riding a rise.
- Slope (bps/mo) shows speed of change.
- Volatility (CV) scales jumps by average level.