Marcus by Goldman Sachs vs. Quontic Bank
Comparing Marcus by Goldman Sachs and Quontic Bank for high-yield savings: Marcus by Goldman Sachs's Marcus Online Savings Account pays 3.65% APY while Quontic Bank's High Yield Savings pays 3.50% APY.
See how they compare on rate stability, mobile app ratings, and more below.
The Bottom Line
Who pays more interest on $10,000? Marcus by Goldman Sachs pays $15 more than Quontic Bank annually ($365 vs $350).
Choose Marcus by Goldman Sachs if getting the best rate matters most. Choose Quontic Bank if you want Zelle for quick transfers.
| Metric | Marcus by Goldman SachsMarcus Online Savings Account Feb 21, 2026 | Quontic BankHigh Yield Savings Feb 21, 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 AppDaily CompoundingStable Rate | FDIC InsuredLow MinimumsGreat iOS AppGreat Android AppZelle® SupportedDaily CompoundingRate Changes Often |
Market Reality Check
Both of these banks offer rates below the current top tier. The best rates we track are currently above 4.15% APY.
Comparison Analysis
Comparing Marcus by Goldman Sachs vs. Quontic Bank
Executive Summary
Marcus by Goldman Sachs offers a Marcus Online Savings Account with a competitive APY of 3.65%, making it the top choice compared to Quontic Bank's High Yield Savings account, which has an APY of 3.50%. Both accounts are online-only, require no maintenance fees, and have no minimum balance requirements, although Quontic requires a minimum deposit of $100. Notably, Marcus's account provides better returns on larger deposits, outperforming Quontic at various deposit levels. Both banks do not require direct deposit for their savings accounts.
The analysis is based on current Banksparency database records
* This content is provided for informational purposes only; always verify details with the provider.
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.
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* Secure link to our partner
Top Market Contenders
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.
Still banking with Chase, Bank of America, or Wells Fargo?
On a $10,000 balance, you're missing out on at least $349 per year in interest.
Both Marcus by Goldman Sachs and Quontic Bank dramatically outperform the typical 0.01% APY at traditional big banks.
| Feature | Marcus by Goldman Sachs | Quontic Bank |
|---|---|---|
| APY | 3.65% Verified: 2/21/2026 Stable (90d) | 3.50% Verified: 2/21/2026 ↘︎ 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 |
| Compound Frequency | Daily | Daily |
| Branch Access | None | None |
| Account Type | Online Only | Online Only |
| Physical Branches | N/A | None for banking. Loan offices only. |
| Direct Deposit Req. | None | None |
| Checking Bundle | No | No |
| Mobile Apps | ||
| FDIC Insured | YesVerify FDIC | YesVerify FDIC |
| 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) | -1.5 | -2.7 |
Days Since Change | 269 | 53 |
12-Month High | 3.90% | 3.85% |
12-Month Low | 3.65% | 3.50% |
Adjustments / Mo | 0.16 | 0.16 |
Volatility Score | 0.019 | 0.032 |
How to read these metrics(Click to expand)
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More Comparisons
Compare Marcus by Goldman Sachs' APY of 3.65% with other banks
Compare Quontic Bank's APY of 3.50% with other banks
| Bank Pair | Competitor APY | Min Deposit |
|---|---|---|
| Quontic Bank vs Ally Bank | 3.20% | $0 |
| Quontic Bank vs American Express | 3.30% | $0 |
| Quontic Bank vs Axos Bank | 4.21% | $0 |
| Quontic Bank vs Bank of America | 0.01% | $100 |
| Quontic Bank vs Barclays | 3.85% | $0 |
| Quontic Bank vs Capital One | 3.30% | $0 |
| Quontic Bank vs Chase Bank | 0.01% | $0 |
| Quontic Bank vs Chime | 3.00% | $0 |
| Quontic Bank vs CIT Bank | 3.75% | $100 |
| Quontic Bank vs Citibank | 3.20% | $0 |
| Quontic Bank vs Discover Bank | 3.30% | $0 |
| Quontic Bank vs EverBank | 3.90% | $0 |
| Quontic Bank vs Newtek Bank | 4.20% | $0.01 |
| Quontic Bank vs Openbank | 4.09% | $500 |
| Quontic Bank vs Pibank | 4.60% | $0 |
| Quontic Bank vs SoFi Bank | 4.00% | $0 |
| Quontic Bank vs Synchrony Bank | 3.50% | $0 |
| Quontic Bank vs Varo Bank | 5.00% | $0 |
| Quontic Bank vs Wealthfront | 3.95% | $0 |
| Quontic Bank vs Wells Fargo | 0.05% | $25 |