Marcus by Goldman Sachs vs. Presidential Bank
Comparing Marcus by Goldman Sachs and Presidential Bank for high-yield savings: Marcus by Goldman Sachs's Marcus Online Savings Account pays 3.65% APY while Presidential Bank's Advantage Savings pays 3.75% APY.
Note: Presidential Bank requires a checking account.
See how they compare on rate stability, mobile app ratings, and more below.
The Bottom Line
Who pays more interest on $10,000? Presidential Bank pays $10 more than Marcus by Goldman Sachs annually ($375 vs $365).
Choose Marcus by Goldman Sachs if you want a no-strings-attached account, or you're an Android user. Choose Presidential Bank if you value in-person banking, or you want Zelle for quick transfers.
Important Considerations
Presidential Bank requires a checking account to unlock its top savings rate, while Marcus by Goldman Sachs offers its savings account standalone.
| Metric | Marcus by Goldman SachsMarcus Online Savings Account Mar 7, 2026 | Presidential BankAdvantage Savings Mar 7, 2026 |
|---|---|---|
| APY | 3.65% | 3.25% - 3.75% |
Est. Earnings | $5,000+$183 $10,000+$365 $25,000+$912 | $5,000+$188 $10,000+$375 $25,000+$938 |
Min Deposit | $0 | $5,000 |
Snapshot view. Rates subject to change. | ||
| Features | FDIC InsuredNo MinimumsGreat iOS AppGreat Android AppDaily CompoundingStable Rate | FDIC InsuredMod. MinimumGreat iOS AppGreat Android AppIn-Person AccessZelle® SupportedDirect Deposit ReqChecking BundleRate 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. Presidential Bank
Executive Summary
Presidential Bank's Advantage Savings account offers a competitive 3.75% APY, requiring a monthly direct deposit of $500 into an Advantage Checking Account to earn this rate, along with a minimum deposit of $5,000. In contrast, Marcus by Goldman Sachs provides a straightforward Marcus Online Savings Account with a 3.65% APY, featuring no direct deposit requirement and no minimum balance needed. Both accounts are FDIC insured, but Marcus is exclusively online. For those who meet the deposit criteria, Presidential Bank's account yields slightly higher returns.
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?
- ✓No checking account or direct deposit required
- ✓Higher rated Android app (4.9 vs 4.2)
Why Presidential Bank?
- ✓Physical branch access (10 locations in Maryland, Virginia and Washington D.C.)
- ✓Fast transfers via Zelle®
— Key Feature Differences —
Better Returns at $25,000
Presidential BankPresidential Bank's Advantage Savings pulls ahead with larger amounts (approx. $938 vs $912/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, Presidential Bank's Advantage Savings pays $10 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. Presidential Bank Savings Calculator
You earn $10 more with Presidential Bank 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
Presidential Bank
Advantage Savings
Savings Breakdown
- Interest Earned+$375.00(3.6%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,375.00
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 Presidential Bank dramatically outperform the typical 0.01% APY at traditional big banks.
| Feature | Marcus by Goldman Sachs | Presidential Bank |
|---|---|---|
| APY | 3.65% Verified: 3/7/2026 Stable (90d) | 3.75% Range: 3.25% - 3.75% Verified: 3/7/2026 ↘︎ 0.25%90d Change |
| Product Name | Marcus Online Savings Account | Advantage Savings |
| Minimum Deposit | $0 | $5,000 |
| Min. Balance for APY | $0 | N/A |
| Monthly Fee | $0 | $0 |
| Compound Frequency | Daily | Monthly |
| Branch Access | None | Yes |
| Account Type | Online Only | Online & Branches |
| Physical Branches | N/A | 10 locations in Maryland, Virginia and Washington D.C. |
| Direct Deposit Req. | None | RequiredTo earn the higher APY you need a monthly direct deposit into an Advantage Checking Account of $500. |
| Checking Bundle | No | Yes |
| Mobile Apps | ||
| FDIC Insured | YesVerify FDIC | YesVerify FDIC |
| Zelle® Support | Not Supported | Available Native integration; Advantage Savings supports Zelle. |
| BBB Rating | A+ | A- |
| Next Steps | Visit SiteVerify at Marcus by Goldman Sachs Non-sponsored link to official site | Visit SiteVerify at Presidential Bank Non-sponsored link to official site |
📈 Compare Savings Rates Over Time
Historical Performance
| Metric | Marcus by Goldman Sachs | Presidential Bank |
|---|---|---|
| Marcus Online Savings Account | Advantage Savings | |
Current APY | 3.65% | 3.75% |
Trend | Stable | Stable |
Velocity (bps/mo) | -1.1 | -7.8 |
Days Since Change | 283 | 80 |
12-Month High | 3.90% | 4.50% |
12-Month Low | 3.65% | 3.75% |
Adjustments / Mo | 0.16 | 0.25 |
Volatility Score | 0.016 | 0.079 |
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 Presidential Bank's APY of 3.75% with other banks
| Bank Pair | Competitor APY | Min Deposit |
|---|---|---|
| Presidential Bank vs Ally Bank | 3.20% | $0 |
| Presidential Bank vs American Express | 3.30% | $0 |
| Presidential Bank vs Axos Bank | 4.21% | $0 |
| Presidential Bank vs Bank of America | 0.01% | $100 |
| Presidential Bank vs Barclays | 3.85% | $0 |
| Presidential Bank vs Capital One | 3.30% | $0 |
| Presidential Bank vs Chase Bank | 0.01% | $0 |
| Presidential Bank vs Chime | 3.00% | $0 |
| Presidential Bank vs CIT Bank | 3.75% | $100 |
| Presidential Bank vs Citibank | 3.20% | $0 |
| Presidential Bank vs Discover Bank | 3.30% | $0 |
| Presidential Bank vs EverBank | 3.90% | $0 |
| Presidential Bank vs Newtek Bank | 4.20% | $0.01 |
| Presidential Bank vs Openbank | 4.09% | $500 |
| Presidential Bank vs Pibank | 4.60% | $0 |
| Presidential Bank vs SoFi Bank | 4.00% | $0 |
| Presidential Bank vs Synchrony Bank | 3.50% | $0 |
| Presidential Bank vs Varo Bank | 5.00% | $0 |
| Presidential Bank vs Wealthfront | 4.20% | $0 |
| Presidential Bank vs Wells Fargo | 0.05% | $25 |