Marcus By Goldman Sachs vs Presidential Bank
High-Yield Savings Accounts Comparison
Last Updated: September 2, 2025
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Summary of Marcus by Goldman Sachs vs. Presidential Bank
As of September 2, 2025 Marcus by Goldman Sachs offers an APY of 3.65% for its Marcus Online Savings Account account, compared to Presidential Bank's 4.50% APY for its Advantage Savings account.
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.
Marcus by Goldman Sachs
Strengths
- Marcus by Goldman Sachs offers a competitive APY of 3.65%.
- No direct deposit requirement for the Marcus Online Savings Account.
- Marcus by Goldman Sachs has an A+ BBB rating.
Potential Drawbacks
- Marcus Online Savings Account has no physical branches.
- APY has not changed in the last 30 days.
Presidential Bank
Strengths
- Presidential Bank offers a higher APY of 4.50% for its Advantage Savings.
- Presidential Bank has 10 physical branches in Maryland, Virginia, and Washington D.C.
- Presidential Bank's Google Play rating is slightly higher at 4.2.
Potential Drawbacks
- A direct deposit of $500 is required to earn the higher APY.
- Presidential Bank has an A- BBB rating and is not accredited.
Summary: Marcus by Goldman Sachs provides a solid APY of 3.65% with no direct deposit requirement, but lacks physical branches. In contrast, Presidential Bank offers a higher APY of 4.50% with a direct deposit requirement and has physical locations, though it has a lower BBB rating and is not accredited. Users may prefer Marcus for flexibility or Presidential for higher returns.
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 9/2/2025) | 4.00% - 4.50% (as of 9/2/2025) | |
| 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 7 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) | -4.4 | 0.0 | |
| Rate Changes / Mo | 0.28 | 0.00 | |
| Days Since Last Change | 98 | 218 | |
| High (-7 m) | 3.90 % | 4.50 % | |
| Low (-7 m) | 3.65 % | 4.50 % | |
| Draw-down from High | -6.4 % | 0.0 % | |
| Volatility (CV) | 0.027 | 0.000 |
APY Insights Glossary
- Latest APY
- Most recent advertised annual-percentage yield.
- Trend
- Direction over the last 7 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 (-7 m)
- Highest APY in the last 218 days.
- Low (-7 m)
- Lowest APY in the last 218 days.
- Draw-down from High
- How far today sits below the 7-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.
Calculate Savings Growth for Marcus by Goldman Sachs vs Presidential Bank
All calculations are based on APY.
Marcus by Goldman Sachs
APY: 3.65%
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
Effective APY: 3.65% (based on your deposit and contributions)
Total balance: $20,209.7
Earnings: $2,209.7
Bank OverviewPresidential Bank
APY: 4.50%
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
Effective APY: 4.50% (based on your deposit and contributions)
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.
More Comparisons
Compare Marcus by Goldman Sachs' APY of 3.65% with other banks
Compare Presidential Bank's APY of 4.50% with other banks
| Bank Pair | Best APY | Min Deposit |
|---|---|---|
| Presidential Bank vs Ally Bank | 3.50% | $0 |
| Presidential Bank vs American Express | 3.50% | $0 |
| Presidential Bank vs Axos Bank | 4.46% | $0 |
| Presidential Bank vs Bank of America | 0.01% | $100 |
| Presidential Bank vs Barclays | 4.10% | $0 |
| Presidential Bank vs Capital One | 3.50% | $0 |
| Presidential Bank vs Chase Bank | 0.01% | $0 |
| Presidential Bank vs Chime | 3.75% | $0 |
| Presidential Bank vs CIT Bank | 4.00% | $100 |
| Presidential Bank vs Discover Bank | 3.50% | $0 |
| Presidential Bank vs Fitness Bank | 4.85% | $100 |
| Presidential Bank vs SoFi Bank | 3.80% | $0 |
| Presidential Bank vs Synchrony Bank | 3.80% | $0 |
| Presidential Bank vs UFB Direct | 4.21% | $5000 |
| Presidential Bank vs Varo Bank | 5.00% | $0 |
| Presidential Bank vs Wells Fargo | 2.51% | $25 |