Marcus by Goldman Sachs vs. Peak 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
Peak Bank
Envision High Yield Savings
4.20%APYDec 6, 2025FDIC InsuredLow MinimumsGreat iOS AppGreat Android AppShow Fine Print & Trends Hide Details
Peak Bank
Envision High Yield Savings
Prefer In-Person Banking?
Both of these banks are online-only. If you need physical branch access, check out our list of high-yield accounts with brick-and-mortar locations.
Comparison Analysis
Comparing Marcus by Goldman Sachs vs. Peak Bank
Why Marcus by Goldman Sachs?
No distinct advantages found vs Peak Bank.
Why Peak Bank?
- ✓Higher potential APY (4.20% vs 3.65%) on all balances
- ✓Higher rated Android app (4.6 vs 4.2)
— Key Feature Differences —
Better Returns at $10,000
Peak BankPeak Bank's Envision High Yield Savings earns more on smaller deposits (approx. $420 vs $365/yr).
Better Returns at $25,000
Peak BankPeak Bank's Envision High Yield Savings pulls ahead with larger amounts (approx. $1050 vs $913/yr).
Best for Simplicity
Peak BankPeak Bank's Envision High Yield Savings offers 4.20% APY with no bundling, direct deposit requirement or caps.
Shared Benefits
Over a 1-year period, Peak Bank's Envision High Yield Savings pays $55 more interest on a $10,000 balance than Marcus by Goldman Sachs's Marcus Online Savings Account.
Executive Summary
Peak Bank offers a competitive Envision High Yield Savings account with a notable APY of 4.20%, making it the winner in this comparison. This account stands out for its simplicity, requiring no bundling or direct deposit, and it has a minimum deposit of $100. In contrast, Marcus by Goldman Sachs provides a Marcus Online Savings Account with an APY of 3.65%. While both accounts are online-only and have no maintenance fees, Peak Bank's higher yield is particularly advantageous for both smaller and larger deposits.
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 Peak Bank.
| Feature | Marcus by Goldman Sachs | Peak Bank |
|---|---|---|
| APY | 3.65% Verified: 12/6/2025 Stable (90d) | 4.20% Verified: 12/6/2025 ↘︎ 0.15%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 | iOS4.8 Android4.2 | iOS4.8 Android4.6 |
| BBB Rating | A+ | A+ |
| Next Steps |
Savings Comparison
Peak Bank earns $354.6 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
Peak Bank
Envision High Yield Savings
Savings Breakdown
- Interest Earned+$2,564.30(12.5%)
- Total Contributions$13,000
- Initial Deposit$5,000
Projected Balance
$20,564.30
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 | Peak Bank |
|---|---|---|
| Marcus Online Savings Account | Envision High Yield Savings | |
Current APY | 3.65% | 4.20% |
Trend | Stable | Stable |
Velocity (bps/mo) | -2.3 | -3.7 |
Days Since Change | 192 | 66 |
10-Month High | 3.90% | 4.54% |
10-Month Low | 3.65% | 4.20% |
Adjustments / Mo | 0.20 | 0.41 |
Volatility Score | 0.023 | 0.028 |
How to read these metrics(Click to expand)
Compare Similar High-Yield Accounts
Compare Marcus by Goldman Sachs vs...
Comparing against Standard Savings
Compare Peak Bank vs...
Comparing against Standard Savings
Higher Rates (With Checking)
Looking for something different? Check out these top-rated alternatives.