Marcus by Goldman Sachs vs. Synchrony Bank
Compare rates, requirements, and features side-by-side to find the best option for you.
| Metric | Marcus by Goldman SachsMarcus Online Savings Account Jan 21, 2026 | Synchrony BankHigh Yield Savings Jan 21, 2026 |
|---|---|---|
| APY | 3.65% | 3.65% |
Est. Earnings | $5,000+$183 $10,000+$365 $25,000+$912 | $5,000+$183 $10,000+$365 $25,000+$912 |
Min Deposit | $0 | $0 |
Snapshot view. Rates subject to change. | ||
| Features | FDIC InsuredNo MinimumsGreat iOS AppGreat Android App | FDIC InsuredNo MinimumsGreat iOS AppGreat Android App |
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. Synchrony Bank
As of both Marcus by Goldman Sachs (Marcus Online Savings Account) and Synchrony Bank (High Yield Savings) offer an APY of 3.65% .
Both banks yield $365 in interest on a $10,000 balance after one year. Neither has an APY advantage, so consider other features (fees, access, app ratings, etc.) when choosing.
Why Marcus by Goldman Sachs?
- ✓Higher rated Android app (4.9 vs 4.5)
Why Synchrony Bank?
No distinct advantages found vs Marcus by Goldman Sachs.
Shared Benefits
Executive Summary as of
Both Marcus by Goldman Sachs and Synchrony Bank offer competitive online savings accounts with an APY of 3.65%. As the rates are nearly identical, customers can choose either option based on their preference for the bank's features. Both accounts require no minimum deposit or balance and have no maintenance fees, making them accessible for a wide range of savers. Additionally, both accounts compound interest daily and are online-only, ensuring a straightforward banking experience.
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
Top Market Contenders
Marcus by Goldman Sachs vs. Synchrony Bank Savings Calculator
Both accounts earn exactly the same amount.
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
Synchrony Bank
High Yield Savings
Savings Breakdown
- Interest Earned+$365.00(3.5%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,365.00
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
| Feature | Marcus by Goldman Sachs | Synchrony Bank |
|---|---|---|
| APY | 3.65% Verified: 1/21/2026 Stable (90d) | 3.65% Verified: 1/21/2026 ↘︎ 0.15%90d Change |
| Product Name | Marcus Online Savings Account | High Yield Savings |
| 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 Android4.9 | iOS4.8 Android4.5 |
| Zelle® Support | Not Supported | Not Supported |
| BBB Rating | A+ | Not Rated |
| Next Steps | Visit SiteVerify at Marcus by Goldman Sachs Non-sponsored link to official site | Visit SiteVerify at Synchrony Bank Non-sponsored link to official site |
📈 Compare Savings Rates Over Time
Historical Performance
| Metric | Marcus by Goldman Sachs | Synchrony Bank |
|---|---|---|
| Marcus Online Savings Account | High Yield Savings | |
Current APY | 3.65% | 3.65% |
Trend | Stable | Stable |
Velocity (bps/mo) | -2.0 | -3.5 |
Days Since Change | 238 | 64 |
12-Month High | 3.90% | 4.10% |
12-Month Low | 3.65% | 3.65% |
Adjustments / Mo | 0.17 | 0.25 |
Volatility Score | 0.024 | 0.035 |
How to read these metrics(Click to expand)
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High Rates (With Checking Bundle)
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