Marcus by Goldman Sachs vs. Presidential Bank
Compare rates, requirements, and features side-by-side to find the best option for you.
Marcus by Goldman Sachs
Marcus Online Savings Account
3.65%APYDec 6, 2025FDIC InsuredNo MinimumsGreat iOS AppGreat Android AppShow Fine Print & Trends Hide Details
Marcus by Goldman Sachs
Marcus Online Savings Account
Presidential Bank
Advantage Savings
Up to4.00%APYDec 6, 2025FDIC InsuredMod. MinimumDirect Deposit ReqChecking BundleGreat iOS AppGreat Android AppIn-Person AccessRange: 3.50% – 4.00%Show Fine Print & Trends Hide Details
Presidential Bank
Advantage Savings
Market Reality Check
Both of these banks offer rates below the current top tier. The best rates we track are currently above 4.25% APY.
Comparison Analysis
Comparing Marcus by Goldman Sachs vs. Presidential Bank
Why Marcus by Goldman Sachs?
- ✓No checking account or direct deposit required
Why Presidential Bank?
- ✓Higher potential APY (4.00% vs 3.65%) on all balances
- ✓Physical branch access (10 locations in Maryland, Virginia and Washington D.C.)
— Key Feature Differences —
Better Returns at $10,000
Presidential BankPresidential Bank's Advantage Savings earns more on smaller deposits (approx. $400 vs $365/yr).
Better Returns at $25,000
Presidential BankPresidential Bank's Advantage Savings pulls ahead with larger amounts (approx. $1000 vs $913/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.
Best for All-in-One Banking
Presidential BankPresidential Bank's Advantage Savings pays a superior APY for customers who also open a checking account.
Shared Benefits
Over a 1-year period, Presidential Bank's Advantage Savings pays $35 more interest on a $10,000 balance than Marcus by Goldman Sachs's Marcus Online Savings Account.
Executive Summary
Presidential Bank's Advantage Savings account leads with a 4.00% APY, contingent upon a $500 monthly direct deposit into an Advantage Checking Account, and requires a minimum deposit of $5,000. In contrast, Marcus by Goldman Sachs offers a Marcus Online Savings Account with a 3.65% APY, featuring no direct deposit requirement and no minimum deposit or balance. While Marcus provides a straightforward savings option, the higher yield from Presidential Bank makes it the preferred choice for those willing to meet the conditions.
Analysis generated based on current Banksparency database records
* AI-generated content provided for informational purposes only. Accuracy is not guaranteed; always verify details with the provider.
Top Market Contenders
See who beats both Marcus by Goldman Sachs and Presidential Bank.
| Feature | Marcus by Goldman Sachs | Presidential Bank |
|---|---|---|
| APY | 3.65% Verified: 12/6/2025 Stable (90d) | 4.00% Range: 3.50% - 4.00% Verified: 12/6/2025 ↘︎ 0.50%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 |
| Branch Access | None | Yes |
| Account Type | Online Only | Online & Branches |
| 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 | iOS4.8 Android4.2 | iOS4.8 Android4.1 |
| BBB Rating | A+ | A- |
| Next Steps |
Savings Comparison
Presidential Bank earns $225 more than Marcus by Goldman Sachs.
Marcus by Goldman Sachs
Marcus Online Savings Account
Savings Breakdown
- Interest Earned+$2,209.70(10.9%)
- Total Contributions$13,000
- Initial Deposit$5,000
Projected Balance
$20,209.70
Presidential Bank
Advantage Savings
Savings Breakdown
- Interest Earned+$2,434.70(11.9%)
- Total Contributions$13,000
- Initial Deposit$5,000
Projected Balance
$20,434.70
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
📈 Compare Savings Rates Over Time
Historical Performance
| Metric | Marcus by Goldman Sachs | Presidential Bank |
|---|---|---|
| Marcus Online Savings Account | Advantage Savings | |
Current APY | 3.65% | 4.00% |
Trend | Stable | Stable |
Velocity (bps/mo) | -2.5 | -2.4 |
Days Since Change | 192 | 15 |
10-Month High | 3.90% | 4.50% |
10-Month Low | 3.65% | 4.00% |
Adjustments / Mo | 0.19 | 0.19 |
Volatility Score | 0.025 | 0.031 |
How to read these metrics(Click to expand)
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