Marcus by Goldman Sachs vs. Presidential Bank
Compare rates, requirements, and features side-by-side to find the best option for you.
| Metric | Marcus by Goldman SachsMarcus Online Savings Account Jan 21, 2026 | Presidential BankAdvantage Savings Jan 21, 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 App | FDIC InsuredMod. MinimumGreat iOS AppGreat Android AppIn-Person AccessZelle® SupportedDirect Deposit ReqChecking Bundle |
Market Reality Check
Both of these banks offer rates below the current top tier. The best rates we track are currently above 4.20% APY.
Comparison Analysis
Comparing Marcus by Goldman Sachs vs. Presidential Bank
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 Presidential Bank's 3.75% APY for its Advantage Savings account, with a minimum balance of N/A.
Presidential Bank pays $10 more than Marcus by Goldman Sachs on a $10,000 balance after one year. Marcus by Goldman Sachs pays $365, while Presidential Bank pays $375 - an APY advantage for Presidential Bank.
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.
Executive Summary as of
Presidential Bank's Advantage Savings account offers a higher APY of 3.75%, requiring a monthly direct deposit of $500 into an Advantage Checking Account, and a minimum deposit of $5,000. In contrast, Marcus by Goldman Sachs provides a competitive APY of 3.65% with no direct deposit requirement or minimum deposit, making it a simpler option for savers. Both accounts are FDIC-insured, but Marcus is online-only, while Presidential Bank has physical branch access. Overall, for those who can meet the direct deposit requirement, Presidential Bank is the better choice.
The analysis is based on current Banksparency database records
* This content is provided for informational purposes only; always verify details with the provider.
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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.
| Feature | Marcus by Goldman Sachs | Presidential Bank |
|---|---|---|
| APY | 3.65% Verified: 1/21/2026 Stable (90d) | 3.75% Range: 3.25% - 3.75% Verified: 1/21/2026 ↘︎ 0.75%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 | iOS4.9 Android4.9 | iOS4.8 Android4.2 |
| 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) | -2.0 | -5.6 |
Days Since Change | 238 | 35 |
12-Month High | 3.90% | 4.50% |
12-Month Low | 3.65% | 3.75% |
Adjustments / Mo | 0.17 | 0.25 |
Volatility Score | 0.024 | 0.063 |
How to read these metrics(Click to expand)
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