Marcus by Goldman Sachs vs. TIMBR
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 | TIMBRPremium Savings Account Jan 21, 2026 |
|---|---|---|
| APY | 3.65% | 4.15% |
Est. Earnings | $5,000+$183 $10,000+$365 $25,000+$912 | $5,000+$208 $10,000+$415 $25,000+$1,038 |
Min Deposit | $0 | $1,000 |
Snapshot view. Rates subject to change. | ||
| Features | FDIC InsuredNo MinimumsGreat iOS AppGreat Android App | FDIC InsuredLow Minimums |
Prefer In-Person Banking?
Both of these banks are online-only. If you need physical branch access, check out our list of high-yield accounts with brick-and-mortar locations.
Comparison Analysis
Comparing Marcus by Goldman Sachs vs. TIMBR
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 TIMBR's 4.15% APY for its Premium Savings Account, with a minimum balance of $0.
TIMBR pays $50 more than Marcus by Goldman Sachs on a $10,000 balance after one year. Marcus by Goldman Sachs pays $365, while TIMBR pays $415 - an APY advantage for TIMBR.
Why Marcus by Goldman Sachs?
- ✓Higher rated iOS app (4.9 vs 0.0)
- ✓Higher rated Android app (4.9 vs 0.0)
Why TIMBR?
- ✓Higher potential APY (4.15% vs 3.65%) on all balances
— Key Feature Differences —
Better Returns at $10,000
TIMBRTIMBR's Premium Savings Account earns more on smaller deposits (approx. $415 vs $365/yr).
Better Returns at $25,000
TIMBRTIMBR's Premium Savings Account pulls ahead with larger amounts (approx. $1038 vs $912/yr).
Best for Simplicity
TIMBRTIMBR's Premium Savings Account offers 4.15% 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. 0.0) and Android app rated 4.9 (vs. 0.0)
Shared Benefits
Over a 1-year period, TIMBR's Premium Savings Account pays $50 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 as of
TIMBR offers a Premium Savings Account with a competitive APY of 4.15%, making it the clear winner in this comparison. This account is online-only and requires a minimum deposit of $1,000, but it has no maintenance fees or direct deposit requirements, providing a straightforward savings option. In contrast, Marcus by Goldman Sachs features an Online Savings Account with a lower APY of 3.65%, also online-only, but with a $0 minimum deposit and no direct deposit requirement. While Marcus excels in mobile app experience, TIMBR stands out for its higher returns.
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
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Marcus by Goldman Sachs vs. TIMBR Savings Calculator
You earn $50 more with TIMBR than Marcus by Goldman Sachs 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
TIMBR
Premium Savings Account
Savings Breakdown
- Interest Earned+$415.00(4.0%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,415.00
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
| Feature | Marcus by Goldman Sachs | TIMBR |
|---|---|---|
| APY | 3.65% Verified: 1/21/2026 Stable (90d) | 4.15% Verified: 1/21/2026 ↘︎ 0.25%90d Change |
| Product Name | Marcus Online Savings Account | Premium Savings Account |
| Minimum Deposit | $0 | $1,000 |
| 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 | iOS- Android- |
| Zelle® Support | Not Supported | Not Supported |
| BBB Rating | A+ | A+ |
| Next Steps | Visit SiteVerify at Marcus by Goldman Sachs Non-sponsored link to official site | Visit SiteVerify at TIMBR Non-sponsored link to official site |
📈 Compare Savings Rates Over Time
Historical Performance
| Metric | Marcus by Goldman Sachs | TIMBR |
|---|---|---|
| Marcus Online Savings Account | Premium Savings Account | |
Current APY | 3.65% | 4.15% |
Trend | Stable | Stable |
Velocity (bps/mo) | -1.7 | -1.6 |
Days Since Change | 238 | 13 |
11-Month High | 3.90% | 4.55% |
11-Month Low | 3.65% | 4.15% |
Adjustments / Mo | 0.18 | 0.18 |
Volatility Score | 0.021 | 0.018 |
How to read these metrics(Click to expand)
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