Marcus by Goldman Sachs vs. PNC
Comparing Marcus by Goldman Sachs and PNC for high-yield savings: Marcus by Goldman Sachs's Marcus Online Savings Account pays 3.65% APY while PNC's PNC High Yield Savings pays 3.30% APY.
See how they compare on rate stability, mobile app ratings, and more below.
The Bottom Line
Who pays more interest on $10,000? Marcus by Goldman Sachs pays $35 more than PNC annually ($365 vs $330).
Choose Marcus by Goldman Sachs if getting the best rate matters most. Choose PNC if you value in-person banking, or you want Zelle for quick transfers.
| Metric | Marcus by Goldman SachsMarcus Online Savings Account Feb 21, 2026 | PNCPNC High Yield Savings Feb 21, 2026 |
|---|---|---|
| APY | 3.65% | 3.30% |
Est. Earnings | $5,000+$183 $10,000+$365 $25,000+$912 | $5,000+$165 $10,000+$330 $25,000+$825 |
Min Deposit | $0 | $0 |
Snapshot view. Rates subject to change. | ||
Terms | - | Eligibility restricted to select states. |
| Features | FDIC InsuredNo MinimumsGreat iOS AppGreat Android AppDaily CompoundingStable Rate | FDIC InsuredNo MinimumsGreat iOS AppGreat Android AppIn-Person AccessZelle® SupportedRate Changes Often |
Market Reality Check
Both of these banks offer rates below the current top tier. The best rates we track are currently above 4.15% APY.
Comparison Analysis
Comparing Marcus by Goldman Sachs vs. PNC
Executive Summary
Marcus by Goldman Sachs offers a competitive APY of 3.65% on its Online Savings Account, which is available online only and requires no minimum deposit or maintenance fees. This account is noted for its simplicity, with no direct deposit requirements or caps on earnings. In contrast, PNC's highest yielding product, the High Yield Savings account, offers a lower APY of 3.30%, and eligibility is restricted to select states. PNC also provides a Standard Savings account with a minimal APY of 0.03%. Overall, Marcus by Goldman Sachs stands out as the winner based on the higher APY.
The analysis is based on current Banksparency database records
* This content is provided for informational purposes only; always verify details with the provider.
Why Marcus by Goldman Sachs?
- ✓Higher potential APY (3.65% vs 3.30%) on all balances
- ✓Higher rated Android app (4.9 vs 4.6)
- ✓Available Nationwide
Why PNC?
- ✓Physical branch access (Multiple branches in AL, AZ, CA, CO, DE, DC, FL, GA, IL, IN, KS, KY, MD, MA, MI, MO, NJ, NM, NY, NC, OH, PA, SC, TN, TX, VA, WV, WI)
- ✓Fast transfers via Zelle® (up to $2,000 a day)
— Key Feature Differences —
Better Returns at $10,000
Marcus by Goldman SachsMarcus by Goldman Sachs's Marcus Online Savings Account earns more on smaller deposits (approx. $365 vs $330/yr).
Better Returns at $25,000
Marcus by Goldman SachsMarcus by Goldman Sachs's Marcus Online Savings Account pulls ahead with larger amounts (approx. $912 vs $825/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.
Shared Benefits
Over a 1-year period, Marcus by Goldman Sachs's Marcus Online Savings Account pays $35 more interest on a $10,000 balance than PNC's PNC High Yield Savings.
*This calculation assumes current rates remain consistent for 1 year and does not include temporary bonuses.
Non-sponsored link to official site
Non-sponsored link to official site
Top Market Contenders
Marcus by Goldman Sachs vs. PNC Savings Calculator
You earn $35 more with Marcus by Goldman Sachs than PNC 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
PNC
PNC High Yield Savings
Savings Breakdown
- Interest Earned+$330.00(3.2%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,330.00
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
Still banking with Chase, Bank of America, or Wells Fargo?
On a $10,000 balance, you're missing out on at least $329 per year in interest.
Both Marcus by Goldman Sachs and PNC dramatically outperform the typical 0.01% APY at traditional big banks.
| Feature | Marcus by Goldman Sachs | PNC |
|---|---|---|
| APY | 3.65% Verified: 2/21/2026 Stable (90d) | 3.30% Verified: 2/21/2026 ↘︎ 0.23%90d Change |
| Product Name | Marcus Online Savings Account | PNC High Yield Savings |
| Minimum Deposit | $0 | $0 |
| Min. Balance for APY | $0 | $0 |
| Monthly Fee | $0 | $0 |
| Compound Frequency | Daily | Monthly |
| Branch Access | None | Yes |
| Account Type | Online Only | Online & Branches |
| Physical Branches | N/A | Multiple branches in AL, AZ, CA, CO, DE, DC, FL, GA, IL, IN, KS, KY, MD, MA, MI, MO, NJ, NM, NY, NC, OH, PA, SC, TN, TX, VA, WV, WI |
| Direct Deposit Req. | None | None |
| Checking Bundle | No | No |
| Mobile Apps | ||
| FDIC Insured | YesVerify FDIC | YesVerify FDIC |
| Zelle® Support | Not Supported | Available Limit: $2,000/dayCentral to Virtual Wallet suite. |
| BBB Rating | A+ | A+ |
| Important Notes | - | Eligibility restricted to select states. |
| Next Steps | Visit SiteVerify at Marcus by Goldman Sachs Non-sponsored link to official site | Visit SiteVerify at PNC Non-sponsored link to official site |
📈 Compare Savings Rates Over Time
Historical Performance
| Metric | Marcus by Goldman Sachs | PNC | |
|---|---|---|---|
| Marcus Online Savings Account | PNC High Yield Savings | Standard Savings | |
Current APY | 3.65% | 3.30% | 0.03% |
Trend | Stable | Stable | Stable |
Velocity (bps/mo) | -1.3 | -6.8 | 0.1 |
Days Since Change | 269 | 66 | 296 |
12-Month High | 3.90% | 3.95% | 0.03% |
12-Month Low | 3.65% | 3.30% | 0.01% |
Adjustments / Mo | 0.17 | 0.34 | 0.08 |
Volatility Score | 0.017 | 0.073 | 0.264 |
How to read these metrics(Click to expand)
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High Rates (With Checking Bundle)
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More Comparisons
Compare Marcus by Goldman Sachs' APY of 3.65% with other banks
Compare PNC's APY of 3.30% with other banks
| Bank Pair | Competitor APY | Min Deposit |
|---|---|---|
| PNC vs Ally Bank | 3.20% | $0 |
| PNC vs American Express | 3.30% | $0 |
| PNC vs Axos Bank | 4.21% | $0 |
| PNC vs Bank of America | 0.01% | $100 |
| PNC vs Barclays | 3.85% | $0 |
| PNC vs Capital One | 3.30% | $0 |
| PNC vs Chase Bank | 0.01% | $0 |
| PNC vs Chime | 3.00% | $0 |
| PNC vs CIT Bank | 3.75% | $100 |
| PNC vs Citibank | 3.20% | $0 |
| PNC vs Discover Bank | 3.30% | $0 |
| PNC vs EverBank | 3.90% | $0 |
| PNC vs Newtek Bank | 4.20% | $0.01 |
| PNC vs Openbank | 4.09% | $500 |
| PNC vs Pibank | 4.60% | $0 |
| PNC vs SoFi Bank | 4.00% | $0 |
| PNC vs Synchrony Bank | 3.50% | $0 |
| PNC vs Varo Bank | 5.00% | $0 |
| PNC vs Wealthfront | 3.95% | $0 |
| PNC vs Wells Fargo | 0.05% | $25 |