Marcus by Goldman Sachs vs. Popular Direct
Comparing Marcus by Goldman Sachs and Popular Direct for high-yield savings: Marcus by Goldman Sachs's Marcus Online Savings Account pays 3.65% APY while Popular Direct's Popular Direct Select Savings pays 3.90% APY.
See how they compare on rate stability, mobile app ratings, and more below.
The Bottom Line
Who pays more interest on $10,000? Popular Direct pays $25 more than Marcus by Goldman Sachs annually ($390 vs $365).
Choose Marcus by Goldman Sachs if mobile app quality matters, or choose Popular Direct if getting the best rate matters most.
| Metric | Marcus by Goldman SachsMarcus Online Savings Account Feb 21, 2026 | Popular DirectPopular Direct Select Savings Feb 21, 2026 |
|---|---|---|
| APY | 3.65% | 3.90% |
Est. Earnings | $5,000+$183 $10,000+$365 $25,000+$912 | $5,000+$195 $10,000+$390 $25,000+$975 |
Min Deposit | $0 | $100 |
Snapshot view. Rates subject to change. | ||
| Features | FDIC InsuredNo MinimumsGreat iOS AppGreat Android AppDaily CompoundingStable Rate | FDIC InsuredLow MinimumsDaily CompoundingRate 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. Popular Direct
Executive Summary
Popular Direct offers the highest APY of 3.90% on its Popular Direct Select Savings account, making it the winner among the two banks. This account requires a minimum deposit of $100 and has no maintenance fees, providing a straightforward savings option. In comparison, Marcus by Goldman Sachs features a Marcus Online Savings Account with an APY of 3.65%, which is still competitive but slightly lower. Both accounts are online-only and do not require direct deposit, making them accessible for savers looking for high-yield options.
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 rated iOS app (4.9 vs 1.3)
- ✓Higher rated Android app (4.9 vs 1.3)
Why Popular Direct?
- ✓Higher potential APY (3.90% vs 3.65%) on all balances
— Key Feature Differences —
Better Returns at $10,000
Popular DirectPopular Direct's Popular Direct Select Savings earns more on smaller deposits (approx. $390 vs $365/yr).
Better Returns at $25,000
Popular DirectPopular Direct's Popular Direct Select Savings pulls ahead with larger amounts (approx. $975 vs $912/yr).
Best for Simplicity
Popular DirectPopular Direct's Popular Direct Select Savings offers 3.90% 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. 1.3) and Android app rated 4.9 (vs. 1.3)
Shared Benefits
Over a 1-year period, Popular Direct's Popular Direct Select Savings pays $25 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.
Non-sponsored link to official site
Non-sponsored link to official site
Top Market Contenders
Marcus by Goldman Sachs vs. Popular Direct Savings Calculator
You earn $25 more with Popular Direct 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
Popular Direct
Popular Direct Select Savings
Savings Breakdown
- Interest Earned+$390.00(3.8%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,390.00
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 $364 per year in interest.
Both Marcus by Goldman Sachs and Popular Direct dramatically outperform the typical 0.01% APY at traditional big banks.
| Feature | Marcus by Goldman Sachs | Popular Direct |
|---|---|---|
| APY | 3.65% Verified: 2/21/2026 Stable (90d) | 3.90% Verified: 2/21/2026 ↘︎ 0.10%90d Change |
| Product Name | Marcus Online Savings Account | Popular Direct Select Savings |
| Minimum Deposit | $0 | $100 |
| Min. Balance for APY | $0 | $0.01 |
| Monthly Fee | $0 | $0 |
| Compound Frequency | Daily | Daily |
| Branch Access | None | None |
| Account Type | Online Only | Online Only |
| Physical Branches | N/A | None. You cannot make use of Popular Bank's branches. |
| Direct Deposit Req. | None | None |
| Checking Bundle | No | No |
| Mobile Apps | ||
| FDIC Insured | YesVerify FDIC | YesVerify FDIC |
| 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 Popular Direct Non-sponsored link to official site |
📈 Compare Savings Rates Over Time
Historical Performance
| Metric | Marcus by Goldman Sachs | Popular Direct |
|---|---|---|
| Marcus Online Savings Account | Popular Direct Select Savings | |
Current APY | 3.65% | 3.90% |
Trend | Stable | Stable |
Velocity (bps/mo) | -1.5 | -1.9 |
Days Since Change | 269 | 68 |
12-Month High | 3.90% | 4.30% |
12-Month Low | 3.65% | 3.90% |
Adjustments / Mo | 0.16 | 0.58 |
Volatility Score | 0.019 | 0.021 |
How to read these metrics(Click to expand)
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More Comparisons
Compare Marcus by Goldman Sachs' APY of 3.65% with other banks
Compare Popular Direct's APY of 3.90% with other banks
| Bank Pair | Competitor APY | Min Deposit |
|---|---|---|
| Popular Direct vs Ally Bank | 3.20% | $0 |
| Popular Direct vs American Express | 3.30% | $0 |
| Popular Direct vs Axos Bank | 4.21% | $0 |
| Popular Direct vs Bank of America | 0.01% | $100 |
| Popular Direct vs Barclays | 3.85% | $0 |
| Popular Direct vs Capital One | 3.30% | $0 |
| Popular Direct vs Chase Bank | 0.01% | $0 |
| Popular Direct vs Chime | 3.00% | $0 |
| Popular Direct vs CIT Bank | 3.75% | $100 |
| Popular Direct vs Citibank | 3.20% | $0 |
| Popular Direct vs Discover Bank | 3.30% | $0 |
| Popular Direct vs EverBank | 3.90% | $0 |
| Popular Direct vs Newtek Bank | 4.20% | $0.01 |
| Popular Direct vs Openbank | 4.09% | $500 |
| Popular Direct vs Pibank | 4.60% | $0 |
| Popular Direct vs SoFi Bank | 4.00% | $0 |
| Popular Direct vs Synchrony Bank | 3.50% | $0 |
| Popular Direct vs Varo Bank | 5.00% | $0 |
| Popular Direct vs Wealthfront | 3.95% | $0 |
| Popular Direct vs Wells Fargo | 0.05% | $25 |