Marcus by Goldman Sachs vs. Popular Direct
Compare rates, requirements, and features side-by-side to find the best option for you.
| Metric | Marcus by Goldman SachsMarcus Online Savings Account Jan 7, 2026 | Popular DirectPopular Direct Select Savings Jan 7, 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 App | FDIC InsuredLow Minimums |
Market Reality Check
Both of these banks offer rates below the current top tier. The best rates we track are currently above 4.21% APY.
Comparison Analysis
Comparing Marcus by Goldman Sachs vs. Popular Direct
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 Popular Direct's 3.90% APY for its Popular Direct Select Savings account, with a minimum balance of $0.01.
Popular Direct pays $25 more than Marcus by Goldman Sachs on a $10,000 balance after one year. Marcus by Goldman Sachs pays $365, while Popular Direct pays $390 - an APY advantage for Popular Direct.
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.
Executive Summary as of
Popular Direct offers the highest APY with its Popular Direct Select Savings account at 3.90%, making it an attractive option for savers, especially those with larger deposits, as it provides better returns compared to Marcus by Goldman Sachs' Marcus Online Savings Account, which yields 3.65%. Both accounts are online-only, have no maintenance fees, and do not require direct deposit. However, Popular Direct requires a minimum deposit of $100, while Marcus has no minimum deposit requirement. Overall, Popular Direct stands out for its higher APY and simplicity.
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. 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.
| Feature | Marcus by Goldman Sachs | Popular Direct |
|---|---|---|
| APY | 3.65% Verified: 1/7/2026 Stable (90d) | 3.90% Verified: 1/7/2026 ↘︎ 0.15%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 |
| 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 | iOS1.3 Android1.3 |
| 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) | -2.1 | -2.5 |
Days Since Change | 224 | 23 |
11-Month High | 3.90% | 4.50% |
11-Month Low | 3.65% | 3.90% |
Adjustments / Mo | 0.17 | 0.78 |
Volatility Score | 0.024 | 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 Popular Direct vs...
Comparing against Standard Savings
High Rates (With Checking Bundle)
Looking for something different? Check out these top-rated alternatives.