Marcus By Goldman Sachs vs Timbr
High-Yield Savings Accounts Comparison
Last Updated: September 5, 2025
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Summary of Marcus by Goldman Sachs vs. TIMBR
As of September 5, 2025 Marcus by Goldman Sachs offers an APY of 3.65% for its Marcus Online Savings Account, with a minimum balance of $0, compared to TIMBR's 4.40% APY for its Premium Savings Account, with a minimum balance of $0.
TIMBR yields $75 more than Marcus by Goldman Sachs on a $10,000 balance after one year. Marcus by Goldman Sachs pays $365, while TIMBR pays $440 - an APY advantage for TIMBR.
Marcus by Goldman Sachs
Strengths
- Marcus by Goldman Sachs has no minimum deposit requirement for its savings account.
- Marcus by Goldman Sachs charges no maintenance fees for its savings account.
- Marcus by Goldman Sachs has a high App Store rating of 4.8.
Potential Drawbacks
- Marcus by Goldman Sachs offers a lower APY of 3.65% compared to TIMBR.
- Marcus by Goldman Sachs does not have a direct deposit requirement.
TIMBR
Strengths
- TIMBR offers a higher APY of 4.40% for its Premium Savings Account.
- TIMBR has no maintenance fees for its savings account.
- TIMBR has an A+ BBB rating, indicating trustworthiness.
Potential Drawbacks
- TIMBR requires a minimum deposit of $1,000 to open its savings account.
- TIMBR is not BBB Accredited despite its A+ rating.
Summary: Marcus by Goldman Sachs offers a lower APY of 3.65% with no minimum deposit, while TIMBR provides a higher APY of 4.40% but requires a $1,000 minimum deposit. Both banks have an A+ BBB rating, but TIMBR is not BBB Accredited. Additionally, Marcus has a higher App Store rating at 4.8 compared to TIMBR's absence of this detail.
Compare Marcus by Goldman Sachs' vs TIMBR's Savings Accounts
| Marcus by Goldman Sachs | TIMBR | ||
|---|---|---|---|
| Product | Marcus Online Savings Account | vs | Premium Savings Account |
| APY | 3.65% (as of 9/5/2025) | 4.40% (as of 9/5/2025) | |
| Bundled Account | No | No | |
| FDIC-insured | Yes | Yes | |
| Online Only | Yes | Yes | |
| Compound Frequency | Daily | Daily | |
| Minimum Deposit | $0 | $1,000 | |
| Minimum Balance for APY | $0 | $0 | |
| Maintenance Fee | $0 | $0 | |
| Direct Deposit Required | No | No | |
| App Store Rating | 4.8/5 | No | |
| Google Play Rating | 4.1/5 | No | |
| BBB Rating | A+ | A+ |
Comparative Historical APY Insights (Last 6 Months)
| Marcus by Goldman Sachs | TIMBR | ||
|---|---|---|---|
| Product | Marcus Online Savings Account | vs | Premium Savings Account |
| Latest APY | 3.65 % | 4.40 % | |
| Trend | Sideways | Sideways | |
| Slope (bps/mo) | -4.1 | -2.6 | |
| Rate Changes / Mo | 0.30 | 0.15 | |
| Days Since Last Change | 100 | 144 | |
| High (-6 m) | 3.90 % | 4.55 % | |
| Low (-6 m) | 3.65 % | 4.40 % | |
| Draw-down from High | -6.4 % | -3.3 % | |
| Volatility (CV) | 0.024 | 0.015 |
APY Insights Glossary
- Latest APY
- Most recent advertised annual-percentage yield.
- Trend
- Direction over the last 6 months (regression slope).
- Slope (bps/mo)
- Average monthly change; 10 bps = 0.10 pp.
- Rate Changes / Mo
- Typical number of APY moves per month.
- Days Since Last Change
- Recency of the latest APY adjustment.
- High (-6 m)
- Highest APY in the last 198 days.
- Low (-6 m)
- Lowest APY in the last 198 days.
- Draw-down from High
- How far today sits below the 6-month peak.
- Volatility (CV)
- Coefficient of variation = stdev ÷ mean.
Why Track Savings-Account APYs?
- See how quickly a bank reacts to Fed moves or competition.
- Gauge “twitchiness” - frequent moves can annoy savers.
- Spot if you're buying near a peak (draw-down) or riding a rise.
- Slope (bps/mo) shows speed of change.
- Volatility (CV) scales jumps by average level.
Calculate Savings Growth for Marcus by Goldman Sachs vs TIMBR
All calculations are based on APY.
Marcus by Goldman Sachs
APY: 3.65%
Total savings breakdown:
- Interest earned: $2,209.7 (10.93%)
- Total contributions: $13,000 (64.33%)
- Initial deposit: $5,000 (24.74%)
Your total balance
$20,209.70
Effective APY: 3.65% (based on your deposit and contributions)
Total balance: $20,209.7
Earnings: $2,209.7
Bank OverviewTIMBR
APY: 4.40%
Total savings breakdown:
- Interest earned: $2,694.7 (13.02%)
- Total contributions: $13,000 (62.82%)
- Initial deposit: $5,000 (24.16%)
Your total balance
$20,694.70
Effective APY: 4.40% (based on your deposit and contributions)
Total balance: $20,694.7
Earnings: $2,694.7
Bank OverviewWith a $5,000 initial deposit and $13,000 in total contributions over 5 years, Marcus by Goldman Sachs's total earnings would be $485 lower than TIMBR's total earnings.
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
More Comparisons
Compare Marcus by Goldman Sachs' APY of 3.65% with other banks
Compare TIMBR's APY of 4.40% with other banks
| Bank Pair | Competitor APY | Min Deposit |
|---|---|---|
| TIMBR vs Ally Bank | 3.50% | $0 |
| TIMBR vs American Express | 3.50% | $0 |
| TIMBR vs Axos Bank | 4.46% | $0 |
| TIMBR vs Bank of America | 0.01% | $100 |
| TIMBR vs Barclays | 4.10% | $0 |
| TIMBR vs BrioDirect | 4.30% | $5,000 |
| TIMBR vs Capital One | 3.50% | $0 |
| TIMBR vs Chase Bank | 0.01% | $0 |
| TIMBR vs Chime | 3.75% | $0 |
| TIMBR vs CIT Bank | 4.00% | $100 |
| TIMBR vs Discover Bank | 3.50% | $0 |
| TIMBR vs Elevault | 4.60% | $0 |
| TIMBR vs EverBank | 4.30% | $0 |
| TIMBR vs Fitness Bank | 4.75% | $100 |
| TIMBR vs FVCbank | 4.35% | $500 |
| TIMBR vs GO2bank | 4.50% | $0 |
| TIMBR vs Neighbors Bank | 4.60% | $0 |
| TIMBR vs Newtek Bank | 4.35% | $0 |
| TIMBR vs Peak Bank | 4.35% | $100 |
| TIMBR vs Pibank | 4.60% | $0 |
| TIMBR vs Presidential Bank | 4.50% | $5,000 |
| TIMBR vs Santander Bank | 0.03% | $25 |
| TIMBR vs SoFi Bank | 3.80% | $0 |
| TIMBR vs Synchrony Bank | 3.80% | $0 |
| TIMBR vs UFB Direct | 4.21% | $5000 |
| TIMBR vs Varo Bank | 5.00% | $0 |
| TIMBR vs Wells Fargo | 2.51% | $25 |
| TIMBR vs Zynlo Bank | 4.35% | $10 |