Marcus By Goldman Sachs vs. Quontic Bank
High-Yield Savings Account Comparison
By Aviel Fahl|Last Updated: November 12, 2025
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Summary of Marcus by Goldman Sachs vs. Quontic Bank
Key Metrics at a Glance
| Feature | Marcus by Goldman Sachs | Quontic Bank |
|---|---|---|
| Top Savings APY | 3.65% Marcus Online Savings Account | 3.75% High Yield Savings |
| Minimum to Open | $0 | $100 |
| Minimum Balance for Top APY | $0 | $0 |
Marcus by Goldman Sachs
Strengths
- Marcus by Goldman Sachs offers a $0 minimum deposit for the Online Savings Account.
- Marcus by Goldman Sachs has a strong App Store rating of 4.8.
Potential Drawbacks
- Marcus by Goldman Sachs has no physical branches for banking.
- Marcus by Goldman Sachs has a lower APY of 3.65% compared to Quontic Bank.
Quontic Bank
Strengths
- Quontic Bank provides a higher APY of 3.75% for its High Yield Savings account.
- Quontic Bank has a perfect Google Play rating of 4.8.
Potential Drawbacks
- Quontic Bank has no branches for banking, only loan offices.
- Quontic Bank is not BBB Accredited despite an A+ rating.
→ As of November 12, 2025 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 3.75% APY for its High Yield Savings account, with a minimum balance of $0.
→ Quontic Bank yields $10 more than Marcus by Goldman Sachs on a $10,000 balance after one year. Marcus by Goldman Sachs pays $365, while Quontic Bank pays $375 - an APY advantage for Quontic Bank.
Calculate Savings Growth for Marcus by Goldman Sachs vs Quontic Bank
Marcus by Goldman Sachs - Marcus Online Savings Account
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
Total balance: $20,209.7
Earnings: $2,209.7
Bank OverviewQuontic Bank - High Yield Savings
Total savings breakdown:
- Interest earned: $2,273.8 (11.22%)
- Total contributions: $13,000 (64.12%)
- Initial deposit: $5,000 (24.66%)
Your total balance
$20,273.80
Total balance: $20,273.8
Earnings: $2,273.8
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 $64.1 lower than Quontic Bank's total earnings.
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
Compare Marcus by Goldman Sachs' vs Quontic Bank's Savings Accounts
| Marcus by Goldman Sachs | Quontic Bank | ||
|---|---|---|---|
| Product | Marcus Online Savings Account | vs | High Yield Savings |
| APY | 3.65% (as of 11/12/2025) | 3.75% (as of 11/12/2025) | |
| Bundled Account | No | No | |
| FDIC-insured | Yes | Yes | |
| Online Only | Yes | Yes | |
| Compound Frequency | Daily | Daily | |
| Minimum Deposit | $0 | $100 | |
| Minimum Balance for APY | $0 | $0 | |
| Maintenance Fee | $0 | $0 | |
| Direct Deposit Required | No | No | |
| App Store Rating | 4.8/5 | 4.8/5 | |
| Google Play Rating | 4.1/5 | 4.8/5 | |
| BBB Rating | A+ | A+ |
Comparative Historical APY Insights (Last 9 Months)
| Marcus by Goldman Sachs | Quontic Bank | ||
|---|---|---|---|
| Product | Marcus Online Savings Account | vs | High Yield Savings |
| Latest APY | 3.65 % | 3.75 % | |
| Trend | Sideways | Sideways | |
| Slope (bps/mo) | -2.9 | -1.5 | |
| Rate Changes / Mo | 0.21 | 0.10 | |
| Days Since Last Change | 169 | 139 | |
| High (-9 m) | 3.90 % | 3.85 % | |
| Low (-9 m) | 3.65 % | 3.75 % | |
| Draw-down from High | -6.4 % | -2.6 % | |
| Volatility (CV) | 0.026 | 0.013 |
APY Insights Glossary
- Latest APY
- Most recent advertised annual-percentage yield.
- Trend
- Direction over the last 9 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 (-9 m)
- Highest APY in the last 289 days.
- Low (-9 m)
- Lowest APY in the last 289 days.
- Draw-down from High
- How far today sits below the 9-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.