Marcus by Goldman Sachs vs. Peak 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 | Peak BankEnvision High Yield Savings Jan 21, 2026 |
|---|---|---|
| APY | 3.65% | 3.99% |
Est. Earnings | $5,000+$183 $10,000+$365 $25,000+$912 | $5,000+$200 $10,000+$399 $25,000+$998 |
Min Deposit | $0 | $100 |
Snapshot view. Rates subject to change. | ||
| Features | FDIC InsuredNo MinimumsGreat iOS AppGreat Android App | FDIC InsuredLow MinimumsGreat iOS AppGreat Android App |
Market Reality Check
Both of these banks offer rates below the current top tier. The best rates we track are currently above 4.20% APY.
Comparison Analysis
Comparing Marcus by Goldman Sachs vs. Peak 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 Peak Bank's 3.99% APY for its Envision High Yield Savings account, with a minimum balance of .
Peak Bank pays $34 more than Marcus by Goldman Sachs on a $10,000 balance after one year. Marcus by Goldman Sachs pays $365, while Peak Bank pays $399 - an APY advantage for Peak Bank.
Why Marcus by Goldman Sachs?
- ✓Higher rated Android app (4.9 vs 4.6)
Why Peak Bank?
- ✓Higher potential APY (3.99% vs 3.65%) on all balances
— Key Feature Differences —
Better Returns at $10,000
Peak BankPeak Bank's Envision High Yield Savings earns more on smaller deposits (approx. $399 vs $365/yr).
Better Returns at $25,000
Peak BankPeak Bank's Envision High Yield Savings pulls ahead with larger amounts (approx. $998 vs $912/yr).
Best for Simplicity
Peak BankPeak Bank's Envision High Yield Savings offers 3.99% APY with no bundling, direct deposit requirement or caps.
Shared Benefits
Over a 1-year period, Peak Bank's Envision High Yield Savings pays $34 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
Peak Bank offers the Envision High Yield Savings account with a competitive APY of 3.99%, making it the winner in this comparison. This account is online-only and requires a minimum deposit of $100, but has no maintenance fees or direct deposit requirements, providing a straightforward savings option. In contrast, Marcus by Goldman Sachs features the Marcus Online Savings Account with a lower APY of 3.65%, also online-only, but with no minimum deposit or balance requirements. While both accounts are FDIC insured, Peak Bank's higher yield makes it more advantageous 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. Peak Bank Savings Calculator
You earn $34 more with Peak 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
Peak Bank
Envision High Yield Savings
Savings Breakdown
- Interest Earned+$399.00(3.8%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,399.00
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
| Feature | Marcus by Goldman Sachs | Peak Bank |
|---|---|---|
| APY | 3.65% Verified: 1/21/2026 Stable (90d) | 3.99% Verified: 1/21/2026 ↘︎ 0.21%90d Change |
| Product Name | Marcus Online Savings Account | Envision High Yield Savings |
| Minimum Deposit | $0 | $100 |
| Min. Balance for APY | $0 | N/A |
| Monthly Fee | $0 | $0 |
| Branch Access | None | None |
| Account Type | Online Only | Online Only |
| Direct Deposit Req. | None | None |
| Checking Bundle | No | No |
| Mobile Apps | iOS4.9 Android4.9 | iOS4.8 Android4.6 |
| Zelle® Support | Not Supported | Not Supported |
| BBB Rating | A+ | A+ |
| Next Steps | Visit SiteVerify at Marcus by Goldman Sachs Non-sponsored link to official site | Visit SiteVerify at Peak Bank Non-sponsored link to official site |
📈 Compare Savings Rates Over Time
Historical Performance
| Metric | Marcus by Goldman Sachs | Peak Bank |
|---|---|---|
| Marcus Online Savings Account | Envision High Yield Savings | |
Current APY | 3.65% | 3.99% |
Trend | Stable | Stable |
Velocity (bps/mo) | -1.7 | -4.3 |
Days Since Change | 238 | 20 |
11-Month High | 3.90% | 4.54% |
11-Month Low | 3.65% | 3.99% |
Adjustments / Mo | 0.18 | 0.62 |
Volatility Score | 0.021 | 0.037 |
How to read these metrics(Click to expand)
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