Marcus by Goldman Sachs vs. Quontic 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 12, 2025FDIC InsuredNo MinimumsGreat iOS AppGreat Android AppShow Fine Print & Trends Hide Details
Marcus by Goldman Sachs
Marcus Online Savings Account
Quontic Bank
High Yield Savings
3.75%APYDec 12, 2025FDIC InsuredLow MinimumsGreat iOS AppGreat Android AppShow Fine Print & Trends Hide Details
Quontic Bank
High Yield 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.
Marcus by Goldman Sachs vs. Quontic Bank Savings Calculator
You earn $10 more with Quontic 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
Quontic Bank
High Yield 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.
Comparison Analysis
Comparing Marcus by Goldman Sachs vs. Quontic Bank
Why Marcus by Goldman Sachs?
No distinct advantages found vs Quontic Bank.
Why Quontic Bank?
- ✓Higher rated Android app (4.8 vs 4.4)
— Key Feature Differences —
Better Returns at $25,000
Quontic BankQuontic Bank's High Yield Savings pulls ahead with larger amounts (approx. $938 vs $912/yr).
Shared Benefits
Over a 1-year period, Quontic Bank's High Yield 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
Quontic Bank offers a High Yield Savings account with a competitive APY of 3.75%, making it the winner in this comparison. In contrast, Marcus by Goldman Sachs provides a Marcus Online Savings Account with an APY of 3.65%. Both accounts are online-only, require no maintenance fees, and have no direct deposit requirements. While Marcus has a minimum deposit of $0, Quontic requires a minimum deposit of $100. Overall, Quontic Bank's higher APY positions it as the more attractive option for savers.
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 Quontic Bank.
| Feature | Marcus by Goldman Sachs | Quontic Bank |
|---|---|---|
| APY | 3.65% Verified: 12/12/2025 Stable (90d) | 3.75% Verified: 12/12/2025 Stable (90d) |
| 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 Android4.4 | iOS4.8 Android4.8 |
| BBB Rating | A+ | A+ |
| Next Steps |
📈 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% | 3.75% |
Trend | Stable | Stable |
Velocity (bps/mo) | -2.4 | -1.4 |
Days Since Change | 198 | 168 |
10-Month High | 3.90% | 3.85% |
10-Month Low | 3.65% | 3.75% |
Adjustments / Mo | 0.19 | 0.09 |
Volatility Score | 0.025 | 0.013 |
How to read these metrics(Click to expand)
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