Marcus by Goldman Sachs vs. Neighbors 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 21, 2026 | Neighbors BankNeighbors Savings Account Jan 21, 2026 |
|---|---|---|
| APY | 3.65% | 4.20% |
Est. Earnings | $5,000+$183 $10,000+$365 $25,000+$912 | $5,000+$210 $10,000+$420 $25,000+$1,050 |
Min Deposit | $0 | $0 |
Snapshot view. Rates subject to change. | ||
Terms | - | Balances up to $250,000 earn 4.20% APY. Anything above will earn 0.05% APY. |
| Features | FDIC InsuredNo MinimumsGreat iOS AppGreat Android App | FDIC InsuredNo MinimumsGreat Android AppIn-Person Access |
Comparison Analysis
Comparing Marcus by Goldman Sachs vs. Neighbors 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 Neighbors Bank's 4.20% APY for its Neighbors Savings Account, with a minimum balance of $0.
Neighbors Bank pays $55 more than Marcus by Goldman Sachs on a $10,000 balance after one year. Marcus by Goldman Sachs pays $365, while Neighbors Bank pays $420 - an APY advantage for Neighbors Bank.
Why Marcus by Goldman Sachs?
- ✓No checking account or direct deposit required
- ✓Higher rated iOS app (4.9 vs 3.3)
- ✓Higher rated Android app (4.9 vs 4.4)
- ✓Available Nationwide
Why Neighbors Bank?
- ✓Higher potential APY (4.20% 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. $420 vs $365/yr).
Better Returns at $25,000
Neighbors BankNeighbors Bank's Neighbors Savings Account pulls ahead with larger amounts (approx. $1050 vs $912/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.
Best Mobile App Experience
Marcus by Goldman SachsMarcus by Goldman Sachs offers an iOS app rated 4.9 (vs. 3.3) and Android app rated 4.9 (vs. 4.4)
Shared Benefits
Over a 1-year period, Neighbors Bank's Neighbors Savings Account pays $55 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
Neighbors Bank offers the Neighbors Savings Account with a competitive APY of 4.20%, making it the winner in this comparison. This account allows balances up to $250,000 to earn the higher rate, while amounts above that yield only 0.05%. In contrast, Marcus by Goldman Sachs provides the Marcus Online Savings Account, which offers a solid APY of 3.65% with no direct deposit requirement and no minimum balance. However, it is an online-only product. Both accounts have no maintenance fees and no minimum deposits required, but Neighbors Bank's higher yield makes it the more attractive option for savers.
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. Neighbors Bank Savings Calculator
You earn $55 more with Neighbors Bank than Marcus by Goldman Sachs on a $10,000 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+$365.00(3.5%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,365.00
Neighbors Bank
Neighbors Savings Account
4.20% on first $250,000 and 0.05% thereafter.
Savings Breakdown
- Interest Earned+$420.00(4.0%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,420.00
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
| Feature | Marcus by Goldman Sachs | Neighbors Bank |
|---|---|---|
| APY | 3.65% Verified: 1/21/2026 Stable (90d) | 4.20% Verified: 1/21/2026 ↘︎ 0.30%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 | iOS4.9 Android4.9 | iOS3.3 Android4.4 |
| Zelle® Support | Not Supported | Not Supported |
| BBB Rating | A+ | A+ |
| Important Notes | - | Balances up to $250,000 earn 4.20% APY. Anything above will earn 0.05% APY. |
| Next Steps | Visit SiteVerify at Marcus by Goldman Sachs Non-sponsored link to official site | Visit SiteVerify at Neighbors Bank Non-sponsored link to official site |
📈 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% | 4.20% |
Trend | Stable | Stable |
Velocity (bps/mo) | -1.6 | -3.0 |
Days Since Change | 238 | 6 |
11-Month High | 3.90% | 4.75% |
11-Month Low | 3.65% | 4.20% |
Adjustments / Mo | 0.18 | 0.36 |
Volatility Score | 0.019 | 0.027 |
How to read these metrics(Click to expand)
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