Marcus by Goldman Sachs vs. Salem Five Direct
Compare rates, requirements, and features side-by-side to find the best option for you.
| Metric | Marcus by Goldman SachsMarcus Online Savings Account Jan 16, 2026 | Salem Five DirecteOne Savings Jan 16, 2026 |
|---|---|---|
| APY | 3.65% | 3.61% |
Est. Earnings | $5,000+$183 $10,000+$365 $25,000+$912 | $5,000+$181 $10,000+$361 $25,000+$903 |
Min Deposit | $0 | $10 |
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 4.20% APY.
Comparison Analysis
Comparing Marcus by Goldman Sachs vs. Salem Five Direct
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 Salem Five Direct's 3.61% APY for its eOne Savings account, with a minimum balance of $0.01.
Marcus by Goldman Sachs pays $4 more than Salem Five Direct on a $10,000 balance after one year. Marcus by Goldman Sachs pays $365, while Salem Five Direct pays $361 - an APY advantage for Marcus by Goldman Sachs.
Why Marcus by Goldman Sachs?
- ✓Higher rated Android app (4.9 vs 4.2)
Why Salem Five Direct?
- ✓Fast transfers via Zelle®
— Key Feature Differences —
Best Mobile App Experience
Marcus by Goldman SachsMarcus by Goldman Sachs offers an iOS app rated 4.9 (vs. 4.7) and Android app rated 4.9 (vs. 4.2)
Shared Benefits
Over a 1-year period, Marcus by Goldman Sachs's Marcus Online Savings Account pays $4 more interest on a $10,000 balance than Salem Five Direct's eOne 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% through its Marcus Online Savings Account, making it the top choice compared to Salem Five Direct's eOne Savings account, which has an APY of 3.61%. Both accounts are online-only and do not require direct deposit, with no maintenance fees. While Salem Five Direct requires a minimum deposit of $10, Marcus has no minimum deposit requirement. Additionally, Marcus is noted for its excellent mobile app experience, rated 4.9 on both iOS and Android platforms.
The analysis is based on current Banksparency database records
* This content is provided for informational purposes only; always verify details with the provider.
Non-sponsored link to official site
Non-sponsored link to official site
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Marcus by Goldman Sachs vs. Salem Five Direct Savings Calculator
You earn $4 more with Marcus by Goldman Sachs than Salem Five Direct 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
Salem Five Direct
eOne Savings
Savings Breakdown
- Interest Earned+$361.00(3.5%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,361.00
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
| Feature | Marcus by Goldman Sachs | Salem Five Direct |
|---|---|---|
| APY | 3.65% Verified: 1/16/2026 Stable (90d) | 3.61% Verified: 1/16/2026 ↘︎ 0.20%90d Change |
| Product Name | Marcus Online Savings Account | eOne Savings |
| Minimum Deposit | $0 | $10 |
| Min. Balance for APY | $0 | $0.01 |
| 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 | iOS4.7 Android4.2 |
| Zelle® Support | Not Supported | Available Uses shared Salem Five mobile platform. |
| BBB Rating | A+ | A- |
| Next Steps | Visit SiteVerify at Marcus by Goldman Sachs Non-sponsored link to official site | Visit SiteVerify at Salem Five Direct Non-sponsored link to official site |
📈 Compare Savings Rates Over Time
Historical Performance
| Metric | Marcus by Goldman Sachs | Salem Five Direct |
|---|---|---|
| Marcus Online Savings Account | eOne Savings | |
Current APY | 3.65% | 3.61% |
Trend | Stable | Stable |
Velocity (bps/mo) | -2.0 | -3.5 |
Days Since Change | 233 | 30 |
12-Month High | 3.90% | 4.01% |
12-Month Low | 3.65% | 3.61% |
Adjustments / Mo | 0.17 | 0.25 |
Volatility Score | 0.024 | 0.039 |
How to read these metrics(Click to expand)
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