Marcus by Goldman Sachs vs. Quontic 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 7, 2026 | Quontic BankHigh Yield Savings Jan 7, 2026 |
|---|---|---|
| APY | 3.65% | 3.50% |
Est. Earnings | $5,000+$183 $10,000+$365 $25,000+$912 | $5,000+$175 $10,000+$350 $25,000+$875 |
Min Deposit | $0 | $100 |
Snapshot view. Rates subject to change. | ||
| Features | FDIC InsuredNo MinimumsGreat iOS AppGreat Android App | FDIC InsuredLow MinimumsGreat iOS AppGreat Android AppZelle® Supported |
Market Reality Check
Both of these banks offer rates below the current top tier. The best rates we track are currently above 4.21% APY.
Comparison Analysis
Comparing Marcus by Goldman Sachs vs. Quontic 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 Quontic Bank's 3.50% APY for its High Yield Savings account, with a minimum balance of $0.
Marcus by Goldman Sachs pays $15 more than Quontic Bank on a $10,000 balance after one year. Marcus by Goldman Sachs pays $365, while Quontic Bank pays $350 - an APY advantage for Marcus by Goldman Sachs.
Why Marcus by Goldman Sachs?
- ✓Higher potential APY (3.65% vs 3.50%) on all balances
Why Quontic Bank?
- ✓Fast transfers via Zelle® (up to $1,000 a day)
— Key Feature Differences —
Better Returns at $10,000
Marcus by Goldman SachsMarcus by Goldman Sachs's Marcus Online Savings Account earns more on smaller deposits (approx. $365 vs $350/yr).
Better Returns at $25,000
Marcus by Goldman SachsMarcus by Goldman Sachs's Marcus Online Savings Account pulls ahead with larger amounts (approx. $912 vs $875/yr).
Shared Benefits
Over a 1-year period, Marcus by Goldman Sachs's Marcus Online Savings Account pays $15 more interest on a $10,000 balance than Quontic Bank's High Yield Savings.
*This calculation assumes current rates remain consistent for 1 year and does not include temporary bonuses.
Executive Summary as of
Marcus by Goldman Sachs offers a competitive APY of 3.65% on its Marcus Online Savings Account, making it the top choice compared to Quontic Bank's High Yield Savings account, which provides an APY of 3.50%. Both accounts are online-only and have no maintenance fees, with Marcus requiring no minimum deposit and Quontic requiring a minimum deposit of $100. Both accounts do not require direct deposit, providing flexibility for customers.
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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Marcus by Goldman Sachs vs. Quontic Bank Savings Calculator
You earn $15 more with Marcus by Goldman Sachs than Quontic Bank 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
Quontic Bank
High Yield Savings
Savings Breakdown
- Interest Earned+$350.00(3.4%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,350.00
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
| Feature | Marcus by Goldman Sachs | Quontic Bank |
|---|---|---|
| APY | 3.65% Verified: 1/7/2026 Stable (90d) | 3.50% Verified: 1/7/2026 ↘︎ 0.25%90d Change |
| Product Name | Marcus Online Savings Account | High Yield Savings |
| Minimum Deposit | $0 | $100 |
| Min. Balance for APY | $0 | $0 |
| Monthly Fee | $0 | $0 |
| Branch Access | None | None |
| Account Type | Online Only | Online Only |
| Direct Deposit Req. | None | None |
| Checking Bundle | No | No |
| Mobile Apps | iOS4.9 Android4.9 | iOS4.8 Android4.9 |
| Zelle® Support | Not Supported | Available Limit: $1,000/dayDigital-first bank with full native support. |
| BBB Rating | A+ | A+ |
| Next Steps | Visit SiteVerify at Marcus by Goldman Sachs Non-sponsored link to official site | Visit SiteGo to Quontic Bank * Secure link to our partner |
📈 Compare Savings Rates Over Time
Historical Performance
| Metric | Marcus by Goldman Sachs | Quontic Bank |
|---|---|---|
| Marcus Online Savings Account | High Yield Savings | |
Current APY | 3.65% | 3.50% |
Trend | Stable | Stable |
Velocity (bps/mo) | -2.1 | -1.6 |
Days Since Change | 224 | 8 |
11-Month High | 3.90% | 3.85% |
11-Month Low | 3.65% | 3.50% |
Adjustments / Mo | 0.17 | 0.17 |
Volatility Score | 0.024 | 0.019 |
How to read these metrics(Click to expand)
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High Rates (With Checking Bundle)
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