Marcus by Goldman Sachs vs. TIMBR
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 6, 2025FDIC InsuredNo MinimumsGreat iOS AppGreat Android AppShow Fine Print & Trends Hide Details
Marcus by Goldman Sachs
Marcus Online Savings Account
TIMBR
Premium Savings Account
4.40%APYDec 6, 2025FDIC InsuredLow MinimumsShow Fine Print & Trends Hide Details
TIMBR
Premium Savings Account
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
Why Marcus by Goldman Sachs?
- ✓Higher rated iOS app (4.8 vs 0.0)
- ✓Higher rated Android app (4.2 vs 0.0)
Why TIMBR?
- ✓Higher potential APY (4.40% 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. $440 vs $365/yr).
Better Returns at $25,000
TIMBRTIMBR's Premium Savings Account pulls ahead with larger amounts (approx. $1100 vs $913/yr).
Best for Simplicity
TIMBRTIMBR's Premium Savings Account offers 4.40% 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 4.8 (vs. 0.0) and Android app rated 4.2 (vs. 0.0)
Shared Benefits
Over a 1-year period, TIMBR's Premium Savings Account pays $75 more interest on a $10,000 balance than Marcus by Goldman Sachs's Marcus Online Savings Account.
Executive Summary
TIMBR offers a Premium Savings Account with a competitive APY of 4.40%, making it the clear winner compared to Marcus by Goldman Sachs' Online Savings Account, which has an APY of 3.65%. Both accounts are online-only and have no maintenance fees, but TIMBR requires a minimum deposit of $1,000, while Marcus has no minimum deposit requirements. Additionally, TIMBR's account is noted for providing better returns at various deposit levels, and it does not require direct deposit or bundling. In contrast, Marcus is recognized for its mobile app experience.
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 TIMBR.
| Feature | Marcus by Goldman Sachs | TIMBR |
|---|---|---|
| APY | 3.65% Verified: 12/6/2025 Stable (90d) | 4.40% Verified: 12/6/2025 Stable (90d) |
| 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 | iOS4.8 Android4.2 | iOS- Android- |
| BBB Rating | A+ | A+ |
| Next Steps |
Savings Comparison
TIMBR earns $485 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
TIMBR
Premium Savings Account
Savings Breakdown
- Interest Earned+$2,694.70(13.0%)
- Total Contributions$13,000
- Initial Deposit$5,000
Projected Balance
$20,694.70
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
📈 Compare Savings Rates Over Time
Historical Performance
| Metric | Marcus by Goldman Sachs | TIMBR |
|---|---|---|
| Marcus Online Savings Account | Premium Savings Account | |
Current APY | 3.65% | 4.40% |
Trend | Stable | Stable |
Velocity (bps/mo) | -2.2 | -1.3 |
Days Since Change | 192 | 236 |
10-Month High | 3.90% | 4.55% |
10-Month Low | 3.65% | 4.40% |
Adjustments / Mo | 0.21 | 0.10 |
Volatility Score | 0.022 | 0.013 |
How to read these metrics(Click to expand)
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