Marcus by Goldman Sachs vs. Sallie Mae 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 10, 2025FDIC InsuredNo MinimumsGreat iOS AppGreat Android AppShow Fine Print & Trends Hide Details
Marcus by Goldman Sachs
Marcus Online Savings Account
Sallie Mae Bank
High-Yield Savings Account
3.90%APYDec 10, 2025FDIC InsuredNo MinimumsShow Fine Print & Trends Hide Details
Sallie Mae Bank
High-Yield Savings Account
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. Sallie Mae Bank Savings Calculator
Sallie Mae Bank earns $160.5 more than Marcus by Goldman Sachs.
Marcus by Goldman Sachs
Marcus Online Savings Account
Savings Breakdown
- Interest Earned+$2,209.70(10.9%)
- Total Contributions$13,000
- Initial Deposit$5,000
Projected Balance
$20,209.70
Sallie Mae Bank
High-Yield Savings Account
Savings Breakdown
- Interest Earned+$2,370.20(11.6%)
- Total Contributions$13,000
- Initial Deposit$5,000
Projected Balance
$20,370.20
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
Comparison Analysis
Comparing Marcus by Goldman Sachs vs. Sallie Mae Bank
Why Marcus by Goldman Sachs?
- ✓Higher rated iOS app (4.9 vs 1.5)
- ✓Higher rated Android app (4.4 vs 1.6)
Why Sallie Mae Bank?
- ✓Higher potential APY (3.90% vs 3.65%) on all balances
— Key Feature Differences —
Better Returns at $10,000
Sallie Mae BankSallie Mae Bank's High-Yield Savings Account earns more on smaller deposits (approx. $390 vs $365/yr).
Better Returns at $25,000
Sallie Mae BankSallie Mae Bank's High-Yield Savings Account pulls ahead with larger amounts (approx. $975 vs $912/yr).
Best for Simplicity
Sallie Mae BankSallie Mae Bank's High-Yield Savings Account offers 3.90% APY with no bundling, direct deposit requirement or caps.
Best Mobile App Experience
Marcus by Goldman SachsMarcus by Goldman Sachs offers an iOS app rated 4.9 (vs. 1.5) and Android app rated 4.4 (vs. 1.6)
Shared Benefits
Over a 1-year period, Sallie Mae Bank's High-Yield Savings Account pays $25 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
Sallie Mae Bank offers a High-Yield Savings Account with a competitive APY of 3.90%, making it the winner in this comparison. This account provides better returns on various deposit amounts without any direct deposit requirements or maintenance fees, and it is available online only. In contrast, Marcus by Goldman Sachs features an Online Savings Account with a slightly lower APY of 3.65%. While Marcus excels in mobile app experience, Sallie Mae Bank's account is noted for its simplicity and higher yields, especially for larger deposits.
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 Sallie Mae Bank.
| Feature | Marcus by Goldman Sachs | Sallie Mae Bank |
|---|---|---|
| APY | 3.65% Verified: 12/10/2025 Stable (90d) | 3.90% Verified: 12/10/2025 Stable (90d) |
| Product Name | Marcus Online Savings Account | High-Yield Savings Account |
| Minimum Deposit | $0 | $0 |
| 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 | iOS1.5 Android1.6 |
| BBB Rating | A+ | A+ |
| Next Steps |
📈 Compare Savings Rates Over Time
Historical Performance
| Metric | Marcus by Goldman Sachs | Sallie Mae Bank |
|---|---|---|
| Marcus Online Savings Account | High-Yield Savings Account | |
Current APY | 3.65% | 3.90% |
Trend | Stable | Stable |
Velocity (bps/mo) | -2.4 | -0.1 |
Days Since Change | 196 | 313 |
10-Month High | 3.90% | 4.00% |
10-Month Low | 3.65% | 3.90% |
Adjustments / Mo | 0.19 | 0.09 |
Volatility Score | 0.025 | 0.003 |
How to read these metrics(Click to expand)
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