High-Yield Savings Account Comparison

Marcus by Goldman Sachs vs. Synchrony Bank

Compare rates, requirements, and features side-by-side to find the best option for you.

Analysis by Aviel Fahl
Updated December 6, 2025
Advertising Disclosure: We may earn a commission from partner links.

Marcus by Goldman Sachs

Marcus Online Savings Account

3.65%
APY
Dec 6, 2025
FDIC InsuredNo MinimumsGreat iOS AppGreat Android App
Show Fine Print & Trends
Min. Deposit$0
Min. Balance$0
Maintenance Fee$0
Compound FreqDaily
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 33124)
EligibilityUnited States
Mobile Ratings
iOS:4.8Android:4.2
BBB Rating
A+(BBB Accredited)

Rate Stability

Very StableNo rate changes in last 90 days
Read Bank Overview

Synchrony Bank

High Yield Savings

3.65%
APY
Dec 6, 2025
FDIC InsuredNo MinimumsGreat iOS AppGreat Android App
Show Fine Print & Trends
Min. Deposit$0
Min. Balance$0
Maintenance Fee$0
Compound FreqDaily
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 27314)
EligibilityUnited States
Mobile Ratings
iOS:4.8Android:4.5
BBB Rating
Not Rated(Not BBB Accredited)

Rate Stability

Rate Adjusted
-0.15%
Since 30 days ago
Read Bank Overview

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.

See Top Rates

Comparison Analysis

Comparing Marcus by Goldman Sachs vs. Synchrony Bank

Updated: Dec 6, 2025

Why Marcus by Goldman Sachs?

No distinct advantages found vs Synchrony Bank.

Why Synchrony Bank?

No distinct advantages found vs Marcus by Goldman Sachs.

Shared Benefits

Both offer monthly maintenance-free account options Both banks have options with $0 opening deposit Available Nationwide Available to New & Existing Customers
Automated Data Audit

Executive Summary

Both Marcus by Goldman Sachs and Synchrony Bank offer competitive online savings accounts with an APY of 3.65%. As their rates are nearly identical, customers can choose either bank based on personal preference or additional features. Both accounts require no minimum deposit or balance, and there are no maintenance fees. Additionally, neither bank requires direct deposit for account opening. Both banks operate online only, ensuring easy access to accounts without physical branches.

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.

ExploreMarcus by Goldman SachsExploreSynchrony Bank

Top Market Contenders

See who beats both Marcus by Goldman Sachs and Synchrony Bank.

Compare All High-Yield Savings Accounts
Pibank
Pibank Savings
FDIC InsuredNo Minimums
4.60% APY
+0.95% vs Marcus by Goldman Sachs
Better Rate
Pibank vs Marcus by Goldman SachsPibank vs Synchrony Bank
Neighbors Bank
Neighbors Savings Account
FDIC InsuredNo MinimumsGreat Android App
4.50% APY
+0.85% vs Marcus by Goldman Sachs
Better Rate
Neighbors Bank vs Marcus by Goldman SachsNeighbors Bank vs Synchrony Bank
Axos Bank
Axos ONE
FDIC InsuredNo MinimumsGreat iOS AppGreat Android App
4.31% APY
+0.66% vs Marcus by Goldman Sachs
Better Rate
Axos Bank vs Marcus by Goldman SachsAxos Bank vs Synchrony Bank
FeatureMarcus by Goldman SachsSynchrony Bank
APY
3.65%
Verified: 12/6/2025
Stable (90d)
3.65%
Verified: 12/6/2025
↘︎ 0.15%90d Change
Product NameMarcus Online Savings AccountHigh Yield Savings
Minimum Deposit$0$0
Min. Balance for APY$0$0
Monthly Fee$0$0
Branch AccessNoneNone
Account Type
Online Only
Online Only
Direct Deposit Req.NoneNone
Checking BundleNoNo
Mobile Apps
iOS4.8
Android4.2
iOS4.8
Android4.5
BBB RatingA+Not Rated
Next Steps
- View Details
- View Details

Savings Comparison

Calculations based on current APY.
$
$

Both accounts earn exactly the same amount.

Marcus by Goldman Sachs

Marcus Online Savings Account

3.65% APY

Savings Breakdown

  • Interest Earned
    +$2,209.70(10.9%)
  • Total Contributions
    $13,000
  • Initial Deposit
    $5,000

Projected Balance

$20,209.70

Effective APY
3.65%
View Details

Synchrony Bank

High Yield Savings

3.65% APY

Savings Breakdown

  • Interest Earned
    +$2,209.70(10.9%)
  • Total Contributions
    $13,000
  • Initial Deposit
    $5,000

Projected Balance

$20,209.70

Effective APY
3.65%
View Details

The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.

📈 Compare Savings Rates Over Time

Historical Performance

Last 10 Months Analysis
MetricMarcus by Goldman SachsSynchrony Bank
Marcus Online Savings AccountHigh Yield Savings
Current APY
3.65%3.65%
Trend
 Stable Stable
Velocity (bps/mo)
-2.5-3.4
Days Since Change
19218
10-Month High
3.90%4.10%
10-Month Low
3.65%3.65%
Adjustments / Mo
0.190.29
Volatility Score
0.0250.030
How to read these metrics(Click to expand)

Trends & Velocity

  • Trend: The general direction of the rate over the analyzed period. Useful for spotting if a bank is currently aggressive or pulling back.
  • Velocity (bps/mo): Speed of change. A high positive number means they raise rates quickly. 10 bps = 0.10%.
  • Adjustments/Mo: "Twitchiness." High frequency means the rate changes constantly; low frequency means it's stable.

Risk & Range

  • High/Low: The absolute ceiling and floor of the rate during the 312-day window.
  • Volatility Score: Lower is better for predictability. It indicates how wildly the rate swings relative to its average.
  • Days Since Change: If this number is high (e.g., >90), the rate is very sticky. If low, it changed recently.

Compare Similar High-Yield Accounts

Compare Marcus by Goldman Sachs vs...

Comparing against Standard Savings

vs Marcus by Goldman Sachs
PibankNo Bundle Req
4.60%
APY
vs Marcus by Goldman Sachs
Neighbors BankNo Bundle Req
4.50%
APY
vs Marcus by Goldman Sachs
TIMBRNo Bundle Req
4.40%
APY

Compare Synchrony Bank vs...

Comparing against Standard Savings

vs Synchrony Bank
PibankNo Bundle Req
4.60%
APY
vs Synchrony Bank
Neighbors BankNo Bundle Req
4.50%
APY
vs Synchrony Bank
TIMBRNo Bundle Req
4.40%
APY

Higher Rates (With Checking)

Looking for something different? Check out these top-rated alternatives.

Checking Bundle
Axos Bank View Details
4.31%
APY
Checking Bundle
SoFi Bank View Details
4.30%
APY
Checking Bundle
Presidential Bank View Details
4.00%
APY

More Comparisons

Compare Marcus by Goldman Sachs' APY of 3.65% with other banks
Bank PairCompetitor APYMin Deposit
Marcus by Goldman Sachs vs Ally Bank3.30%$0
Marcus by Goldman Sachs vs American Express3.40%$0
Marcus by Goldman Sachs vs Axos Bank4.31%$0
Marcus by Goldman Sachs vs Bank of America0.01%$100
Marcus by Goldman Sachs vs Barclays4.00%$0
Marcus by Goldman Sachs vs Bask Bank3.90%$0
Marcus by Goldman Sachs vs BMO Alto3.25%$0
Marcus by Goldman Sachs vs BrioDirect4.00%$5,000
Marcus by Goldman Sachs vs Capital One3.40%$0
Marcus by Goldman Sachs vs Chase Bank0.01%$0
Marcus by Goldman Sachs vs Chime3.50%$0
Marcus by Goldman Sachs vs CIT Bank3.75%$100
Marcus by Goldman Sachs vs Citibank3.30%$0
Marcus by Goldman Sachs vs Citizens Access™3.35%$0.01
Marcus by Goldman Sachs vs Climate First Bank4.21%$50
Marcus by Goldman Sachs vs Discover Bank3.40%$0
Marcus by Goldman Sachs vs Elevault4.08%$0
Marcus by Goldman Sachs vs EverBank4.05%$0
Marcus by Goldman Sachs vs Fitness Bank4.75%$100
Marcus by Goldman Sachs vs FNBO Direct3.00%$1
Marcus by Goldman Sachs vs Forbright Bank4.00%$0
Marcus by Goldman Sachs vs FVCbank3.85%$500
Marcus by Goldman Sachs vs GO2bank4.50%$0
Marcus by Goldman Sachs vs Ivy Bank4.25%$2,500
Marcus by Goldman Sachs vs LendingClub4.20%$0
Marcus by Goldman Sachs vs Neighbors Bank4.50%$0
Marcus by Goldman Sachs vs Newtek Bank4.35%$0.01
Marcus by Goldman Sachs vs Openbank4.20%$500
Marcus by Goldman Sachs vs Peak Bank4.20%$100
Marcus by Goldman Sachs vs Pibank4.60%$0
Marcus by Goldman Sachs vs PNC3.53%$0
Marcus by Goldman Sachs vs Presidential Bank4.00%$5,000
Marcus by Goldman Sachs vs Quontic Bank3.75%$100
Marcus by Goldman Sachs vs Salem Five Direct3.71%$10
Marcus by Goldman Sachs vs Santander Bank0.01%$25
Marcus by Goldman Sachs vs SoFi Bank4.30%$0
Marcus by Goldman Sachs vs TIMBR4.40%$1,000
Marcus by Goldman Sachs vs UFB Direct3.71%$5000
Marcus by Goldman Sachs vs Valley Direct4.10%$1,000
Marcus by Goldman Sachs vs Varo Bank5.00%$0
Marcus by Goldman Sachs vs Vio Bank4.16%$100
Marcus by Goldman Sachs vs Wealthfront4.15%$0
Marcus by Goldman Sachs vs Wells Fargo0.05%$25
Marcus by Goldman Sachs vs Zynlo Bank4.05%$10
Compare Synchrony Bank's APY of 3.65% with other banks
Bank PairCompetitor APYMin Deposit
Synchrony Bank vs Ally Bank3.30%$0
Synchrony Bank vs American Express3.40%$0
Synchrony Bank vs Axos Bank4.31%$0
Synchrony Bank vs Bank of America0.01%$100
Synchrony Bank vs Barclays4.00%$0
Synchrony Bank vs Bask Bank3.90%$0
Synchrony Bank vs BMO Alto3.25%$0
Synchrony Bank vs BrioDirect4.00%$5,000
Synchrony Bank vs Capital One3.40%$0
Synchrony Bank vs Chase Bank0.01%$0
Synchrony Bank vs Chime3.50%$0
Synchrony Bank vs CIT Bank3.75%$100
Synchrony Bank vs Citibank3.30%$0
Synchrony Bank vs Citizens Access™3.35%$0.01
Synchrony Bank vs Climate First Bank4.21%$50
Synchrony Bank vs Discover Bank3.40%$0
Synchrony Bank vs Elevault4.08%$0
Synchrony Bank vs EverBank4.05%$0
Synchrony Bank vs Fitness Bank4.75%$100
Synchrony Bank vs FNBO Direct3.00%$1
Synchrony Bank vs Forbright Bank4.00%$0
Synchrony Bank vs FVCbank3.85%$500
Synchrony Bank vs GO2bank4.50%$0
Synchrony Bank vs Ivy Bank4.25%$2,500
Synchrony Bank vs LendingClub4.20%$0
Synchrony Bank vs Neighbors Bank4.50%$0
Synchrony Bank vs Newtek Bank4.35%$0.01
Synchrony Bank vs Openbank4.20%$500
Synchrony Bank vs Peak Bank4.20%$100
Synchrony Bank vs Pibank4.60%$0
Synchrony Bank vs PNC3.53%$0
Synchrony Bank vs Presidential Bank4.00%$5,000
Synchrony Bank vs Quontic Bank3.75%$100
Synchrony Bank vs Salem Five Direct3.71%$10
Synchrony Bank vs Santander Bank0.01%$25
Synchrony Bank vs SoFi Bank4.30%$0
Synchrony Bank vs TIMBR4.40%$1,000
Synchrony Bank vs UFB Direct3.71%$5000
Synchrony Bank vs Valley Direct4.10%$1,000
Synchrony Bank vs Varo Bank5.00%$0
Synchrony Bank vs Vio Bank4.16%$100
Synchrony Bank vs Wealthfront4.15%$0
Synchrony Bank vs Wells Fargo0.05%$25
Synchrony Bank vs Zynlo Bank4.05%$10