Marcus By Goldman Sachs vs Pibank
High-Yield Savings Accounts Comparison
Last Updated: September 5, 2025
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Summary of Marcus by Goldman Sachs vs. Pibank
As of September 5, 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 Pibank's 4.60% APY for its Pibank Savings account, with a minimum balance of $0.01.
Pibank yields $95 more than Marcus by Goldman Sachs on a $10,000 balance after one year. Marcus by Goldman Sachs pays $365, while Pibank pays $460 - an APY advantage for Pibank.
Marcus by Goldman Sachs
Strengths
- Marcus by Goldman Sachs has a high App Store rating of 4.8.
- Marcus by Goldman Sachs has a strong BBB rating of A+.
- No minimum balance or maintenance fees with the Marcus Online Savings Account.
Potential Drawbacks
- Marcus by Goldman Sachs offers a lower APY of 3.65% compared to Pibank.
Pibank
Strengths
- Pibank offers a higher APY of 4.60% on its savings account.
- No minimum deposit required for the Pibank Savings account.
Potential Drawbacks
- Pibank has a low App Store rating of 2.4 and a Google Play rating of 1.8.
- Pibank has a lower BBB rating of A and is not BBB accredited.
Summary: Marcus by Goldman Sachs provides a strong BBB rating of A+ and a high App Store rating of 4.8, but offers a lower APY of 3.65%. In contrast, Pibank features a higher APY of 4.60% but suffers from poor app ratings and a lower BBB rating of A without accreditation. Both banks have no maintenance fees, but Marcus has a more favorable reputation.
Compare Marcus by Goldman Sachs' vs Pibank's Savings Accounts
| Marcus by Goldman Sachs | Pibank | ||
|---|---|---|---|
| Product | Marcus Online Savings Account | vs | Pibank Savings |
| APY | 3.65% (as of 9/5/2025) | 4.60% (as of 9/5/2025) | |
| Bundled Account | No | No | |
| FDIC-insured | Yes | Yes | |
| Online Only | Yes | Yes | |
| Compound Frequency | Daily | Daily | |
| Minimum Deposit | $0 | $0 | |
| Minimum Balance for APY | $0 | $0.01 | |
| Maintenance Fee | $0 | $0 | |
| Direct Deposit Required | No | No | |
| App Store Rating | 4.8/5 | 2.4/5 | |
| Google Play Rating | 4.1/5 | 1.8/5 | |
| BBB Rating | A+ | A |
Comparative Historical APY Insights (Last 7 Months)
| Marcus by Goldman Sachs | Pibank | ||
|---|---|---|---|
| Product | Marcus Online Savings Account | vs | Pibank Savings |
| Latest APY | 3.65 % | 4.60 % | |
| Trend | Sideways | Sideways | |
| Slope (bps/mo) | -4.2 | -0.0 | |
| Rate Changes / Mo | 0.30 | 0.00 | |
| Days Since Last Change | 100 | 203 | |
| High (-7 m) | 3.90 % | 4.60 % | |
| Low (-7 m) | 3.65 % | 4.60 % | |
| Draw-down from High | -6.4 % | 0.0 % | |
| Volatility (CV) | 0.025 | 0.000 |
APY Insights Glossary
- Latest APY
- Most recent advertised annual-percentage yield.
- Trend
- Direction over the last 7 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 (-7 m)
- Highest APY in the last 203 days.
- Low (-7 m)
- Lowest APY in the last 203 days.
- Draw-down from High
- How far today sits below the 7-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.
Calculate Savings Growth for Marcus by Goldman Sachs vs Pibank
All calculations are based on APY.
Marcus by Goldman Sachs
APY: 3.65%
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
Effective APY: 3.65% (based on your deposit and contributions)
Total balance: $20,209.7
Earnings: $2,209.7
Bank OverviewPibank
APY: 4.60%
Total savings breakdown:
- Interest earned: $2,825.8 (13.57%)
- Total contributions: $13,000 (62.42%)
- Initial deposit: $5,000 (24.01%)
Your total balance
$20,825.80
Effective APY: 4.60% (based on your deposit and contributions)
Total balance: $20,825.8
Earnings: $2,825.8
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 $616.1 lower than Pibank's total earnings.
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
More Comparisons
Compare Marcus by Goldman Sachs' APY of 3.65% with other banks
Compare Pibank's APY of 4.60% with other banks
| Bank Pair | Competitor APY | Min Deposit |
|---|---|---|
| Pibank vs Ally Bank | 3.50% | $0 |
| Pibank vs American Express | 3.50% | $0 |
| Pibank vs Axos Bank | 4.46% | $0 |
| Pibank vs Bank of America | 0.01% | $100 |
| Pibank vs Barclays | 4.10% | $0 |
| Pibank vs BrioDirect | 4.30% | $5,000 |
| Pibank vs Capital One | 3.50% | $0 |
| Pibank vs Chase Bank | 0.01% | $0 |
| Pibank vs Chime | 3.75% | $0 |
| Pibank vs CIT Bank | 4.00% | $100 |
| Pibank vs Discover Bank | 3.50% | $0 |
| Pibank vs Elevault | 4.60% | $0 |
| Pibank vs EverBank | 4.30% | $0 |
| Pibank vs Fitness Bank | 4.75% | $100 |
| Pibank vs FVCbank | 4.35% | $500 |
| Pibank vs GO2bank | 4.50% | $0 |
| Pibank vs Neighbors Bank | 4.60% | $0 |
| Pibank vs Newtek Bank | 4.35% | $0 |
| Pibank vs Peak Bank | 4.35% | $100 |
| Pibank vs Presidential Bank | 4.50% | $5,000 |
| Pibank vs Santander Bank | 0.03% | $25 |
| Pibank vs SoFi Bank | 3.80% | $0 |
| Pibank vs Synchrony Bank | 3.80% | $0 |
| Pibank vs TIMBR | 4.40% | $1,000 |
| Pibank vs UFB Direct | 4.21% | $5000 |
| Pibank vs Varo Bank | 5.00% | $0 |
| Pibank vs Wells Fargo | 2.51% | $25 |
| Pibank vs Zynlo Bank | 4.35% | $10 |