Marcus By Goldman Sachs vs. Presidential Bank
High-Yield Savings Account Comparison
By Aviel Fahl|Last Updated: October 21, 2025
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Summary of Marcus by Goldman Sachs vs. Presidential Bank
Key Metrics at a Glance
| Feature | Marcus by Goldman Sachs | Presidential Bank |
|---|---|---|
| Top Savings APY | 3.65% Marcus Online Savings Account | 4.50% Advantage Savings |
| Minimum to Open | $0 | $5,000 |
| Minimum Balance for Top APY | $0 | N/A |
Marcus by Goldman Sachs
Strengths
- Marcus by Goldman Sachs has no direct deposit requirement for its savings account.
- Marcus Online Savings Account offers a competitive APY of 3.65%.
- Marcus by Goldman Sachs has a high BBB rating of A+.
Potential Drawbacks
- Marcus by Goldman Sachs has no physical branches for in-person banking.
- Marcus Online Savings Account has not changed its APY in the last 30 days.
Presidential Bank
Strengths
- Presidential Bank offers a higher APY of 4.5% for its Advantage Savings account.
- Presidential Bank has 10 physical branches in Maryland, Virginia, and Washington D.C.
- Presidential Bank has a Google Play rating of 4.2.
Potential Drawbacks
- Presidential Bank requires a $5,000 minimum deposit to open the Advantage Savings account.
- To earn the higher APY, a monthly direct deposit of $500 is necessary.
→ As of October 21, 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 Presidential Bank's 4.50% APY for its Advantage Savings account, with a minimum balance of N/A.
→ Presidential Bank yields $85 more than Marcus by Goldman Sachs on a $10,000 balance after one year. Marcus by Goldman Sachs pays $365, while Presidential Bank pays $450 - an APY advantage for Presidential Bank.
Calculate Savings Growth for Marcus by Goldman Sachs vs Presidential Bank
Marcus by Goldman Sachs - Marcus Online Savings Account
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
Total balance: $20,209.7
Earnings: $2,209.7
Bank OverviewPresidential Bank - Advantage Savings
Total savings breakdown:
- Interest earned: $2,760.1 (13.30%)
- Total contributions: $13,000 (62.62%)
- Initial deposit: $5,000 (24.08%)
Your total balance
$20,760.10
Total balance: $20,760.1
Earnings: $2,760.1
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 $550.4 lower than Presidential Bank's total earnings.
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
Compare Marcus by Goldman Sachs' vs Presidential Bank's Savings Accounts
| Marcus by Goldman Sachs | Presidential Bank | ||
|---|---|---|---|
| Product | Marcus Online Savings Account | vs | Advantage Savings |
| APY | 3.65% (as of 10/21/2025) | 4.00% - 4.50% (as of 10/21/2025) | |
| Bundled Account | No | Yes | |
| FDIC-insured | Yes | Yes | |
| Online Only | Yes | No | |
| Compound Frequency | Daily | Monthly | |
| Minimum Deposit | $0 | $5,000 | |
| Minimum Balance for APY | $0 | N/A | |
| Maintenance Fee | $0 | $0 | |
| Direct Deposit Required | No | Yes. To earn the higher APY you need a monthly direct deposit into an Advantage Checking Account of $500. | |
| App Store Rating | 4.8/5 | 4.8/5 | |
| Google Play Rating | 4.1/5 | 4.2/5 | |
| BBB Rating | A+ | A- |
Comparative Historical APY Insights (Last 9 Months)
| Marcus by Goldman Sachs | Presidential Bank | ||
|---|---|---|---|
| Product | Marcus Online Savings Account | vs | Advantage Savings |
| Latest APY | 3.65 % | 4.50 % | |
| Trend | Sideways | Sideways | |
| Slope (bps/mo) | -3.3 | 0.0 | |
| Rate Changes / Mo | 0.22 | 0.00 | |
| Days Since Last Change | 146 | 266 | |
| High (-9 m) | 3.90 % | 4.50 % | |
| Low (-9 m) | 3.65 % | 4.50 % | |
| Draw-down from High | -6.4 % | 0.0 % | |
| Volatility (CV) | 0.026 | 0.000 |
APY Insights Glossary
- Latest APY
- Most recent advertised annual-percentage yield.
- Trend
- Direction over the last 9 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 (-9 m)
- Highest APY in the last 267 days.
- Low (-9 m)
- Lowest APY in the last 267 days.
- Draw-down from High
- How far today sits below the 9-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.