Marcus by Goldman Sachs vs. UFB Direct
Comparing Marcus by Goldman Sachs and UFB Direct for high-yield savings: Marcus by Goldman Sachs's Marcus Online Savings Account pays 3.65% APY while UFB Direct's UFB Checking and Savings Bundle pays 3.46% APY.
Note: UFB Direct requires a checking account.
See how they compare on rate stability, mobile app ratings, and more below.
The Bottom Line
Who pays more interest on $10,000? Marcus by Goldman Sachs pays $19 more than UFB Direct annually ($365 vs $346).
Choose Marcus by Goldman Sachs if getting the best rate matters most, you want a no-strings-attached account, or you're an Android user.
Important Considerations
UFB Direct requires a checking account to unlock its top savings rate, while Marcus by Goldman Sachs offers its savings account standalone.
| Metric | Marcus by Goldman SachsMarcus Online Savings Account Feb 6, 2026 | UFB DirectUFB Checking and Savings Bundle Feb 6, 2026 |
|---|---|---|
| APY | 3.65% | 3.26% - 3.46% |
Est. Earnings | $5,000+$183 $10,000+$365 $25,000+$912 | $5,000+$163 $10,000+$346 $25,000+$865 |
Min Deposit | $0 | $5000 |
Snapshot view. Rates subject to change. | ||
Terms | - | The regular savings or money market APY may be boosted up to 3.46% by direct deposits, minimum balance of $10,000 and making 10 approved debit card transactions per statement cycle. The checking account earns 2% APY. See bank for full details. |
| Features | FDIC InsuredNo MinimumsGreat iOS AppGreat Android AppDaily CompoundingStable Rate | FDIC InsuredHigh MinimumGreat iOS AppGreat Android AppDirect Deposit ReqChecking BundleDaily CompoundingRate Changes Often |
Market Reality Check
Both of these banks offer rates below the current top tier. The best rates we track are currently above 4.15% APY.
Comparison Analysis
Comparing Marcus by Goldman Sachs vs. UFB Direct
Executive Summary
Marcus by Goldman Sachs offers a competitive APY of 3.65% on its Marcus Online Savings Account, making it the clear winner compared to UFB Direct's UFB Portfolio Savings, which has an APY of 3.26%. Both accounts require no minimum deposit, have no maintenance fees, and are online-only. However, Marcus stands out for its simplicity, with no direct deposit requirement or caps on earnings. UFB Direct also provides a checking and savings bundle, but it is only available to affiliates. Overall, Marcus by Goldman Sachs is the better choice for 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.
Why Marcus by Goldman Sachs?
- ✓Higher potential APY (3.65% vs 3.26%-3.46%) on all balances
- ✓Higher rated Android app (4.9 vs 4.4)
Why UFB Direct?
- ✓Offers 2.00% APY on Checking Account in addition to the savings APY
- ✓Access to over 90,000 fee-free ATMs
- ✓Offers 2 different high-yield savings options
— Key Feature Differences —
Better Returns at $10,000
Marcus by Goldman SachsMarcus by Goldman Sachs's Marcus Online Savings Account earns more on smaller deposits (approx. $365 vs $346/yr).
Better Returns at $25,000
Marcus by Goldman SachsMarcus by Goldman Sachs's Marcus Online Savings Account pulls ahead with larger amounts (approx. $912 vs $865/yr).
Best for Simplicity
Marcus by Goldman SachsMarcus by Goldman Sachs's Marcus Online Savings Account offers 3.65% APY with no bundling, direct deposit requirement or caps.
Shared Benefits
Over a 1-year period, Marcus by Goldman Sachs's Marcus Online Savings Account pays $19 more interest on a $10,000 balance than UFB Direct's UFB Checking and Savings Bundle.
*This calculation assumes current rates remain consistent for 1 year and does not include temporary bonuses.
Non-sponsored link to official site
* Secure link to our partner
Top Market Contenders
Marcus by Goldman Sachs vs. UFB Direct Savings Calculator
You earn $19 more with Marcus by Goldman Sachs than UFB Direct 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
UFB Direct
UFB Checking and Savings Bundle
Savings Breakdown
- Interest Earned+$346.00(3.3%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,346.00
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
Still banking with Chase, Bank of America, or Wells Fargo?
On a $10,000 balance, you're missing out on at least $345 per year in interest.
Both Marcus by Goldman Sachs and UFB Direct dramatically outperform the typical 0.01% APY at traditional big banks.
| Feature | Marcus by Goldman Sachs | UFB Direct |
|---|---|---|
| APY | 3.65% Verified: 2/6/2026 Stable (90d) | 3.46% Range: 3.26% - 3.46% Verified: 2/6/2026 ↘︎ 0.25%90d Change |
| Product Name | Marcus Online Savings Account | UFB Checking and Savings Bundle |
| Minimum Deposit | $0 | $5000 |
| Min. Balance for APY | $0 | $10,000 |
| Monthly Fee | $0 | $0 |
| Compound Frequency | Daily | Daily |
| Branch Access | None | None |
| Account Type | Online Only | Online Only |
| Physical Branches | N/A | None |
| Direct Deposit Req. | None | Required |
| Checking Bundle | No | Yes |
| Mobile Apps | ||
| FDIC Insured | YesVerify FDIC | YesVerify FDIC |
| Zelle® Support | Not Supported | Not Supported |
| BBB Rating | A+ | A+ |
| Important Notes | - | The regular savings or money market APY may be boosted up to 3.46% by direct deposits, minimum balance of $10,000 and making 10 approved debit card transactions per statement cycle. The checking account earns 2% APY. See bank for full details. |
| Next Steps | Visit SiteVerify at Marcus by Goldman Sachs Non-sponsored link to official site | Visit SiteGo to UFB Direct * Secure link to our partner |
📈 Compare Savings Rates Over Time
Historical Performance
| Metric | Marcus by Goldman Sachs | UFB Direct | |
|---|---|---|---|
| Marcus Online Savings Account | UFB Checking and Savings Bundle | UFB Portfolio Savings | |
Current APY | 3.65% | 3.46% | 3.26% |
Trend | Stable | Stable | Stable |
Velocity (bps/mo) | -1.8 | -7.2 | -7.0 |
Days Since Change | 254 | 31 | 31 |
12-Month High | 3.90% | 4.21% | 4.01% |
12-Month Low | 3.65% | 3.46% | 3.26% |
Adjustments / Mo | 0.16 | 0.41 | 0.41 |
Volatility Score | 0.022 | 0.073 | 0.076 |
How to read these metrics(Click to expand)
Compare Similar Alternatives
Compare Marcus by Goldman Sachs vs...
Comparing against Standard Savings
Compare UFB Direct vs...
Comparing against other Bundled Accounts
More Comparisons
Compare Marcus by Goldman Sachs' APY of 3.65% with other banks
Compare UFB Direct's APY of 3.46% with other banks
| Bank Pair | Competitor APY | Min Deposit |
|---|---|---|
| UFB Direct vs Ally Bank | 3.30% | $0 |
| UFB Direct vs American Express | 3.30% | $0 |
| UFB Direct vs Axos Bank | 4.21% | $0 |
| UFB Direct vs Bank of America | 0.01% | $100 |
| UFB Direct vs Barclays | 4.00% | $0 |
| UFB Direct vs Capital One | 3.30% | $0 |
| UFB Direct vs Chase Bank | 0.01% | $0 |
| UFB Direct vs Chime | 3.00% | $0 |
| UFB Direct vs CIT Bank | 3.75% | $100 |
| UFB Direct vs Citibank | 3.20% | $0 |
| UFB Direct vs Discover Bank | 3.30% | $0 |
| UFB Direct vs EverBank | 3.90% | $0 |
| UFB Direct vs Newtek Bank | 4.20% | $0.01 |
| UFB Direct vs Openbank | 4.09% | $500 |
| UFB Direct vs Pibank | 4.60% | $0 |
| UFB Direct vs SoFi Bank | 4.00% | $0 |
| UFB Direct vs Synchrony Bank | 3.50% | $0 |
| UFB Direct vs Varo Bank | 5.00% | $0 |
| UFB Direct vs Wealthfront | 3.95% | $0 |
| UFB Direct vs Wells Fargo | 0.05% | $25 |