Marcus By Goldman Sachs vs. Ufb Direct
High-Yield Savings Account Comparison
By Aviel Fahl|Last Updated: November 12, 2025
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Summary of Marcus by Goldman Sachs vs. UFB Direct
Key Metrics at a Glance
| Feature | Marcus by Goldman Sachs | UFB Direct |
|---|---|---|
| Top Savings APY | 3.65% Marcus Online Savings Account | 3.71% UFB Checking and Savings Bundle |
| Minimum to Open | $0 | $5000 |
| Minimum Balance for Top APY | $0 | $10,000 |
| Note | The regular savings or money market APY may be boosted up to 3.71% by direct deposits, minimum balance of $10,000 and making 10 approved debit card transactions per statement cycle. See bank for full details. |
Marcus by Goldman Sachs
Strengths
- Marcus by Goldman Sachs offers a competitive APY of 3.65% with no direct deposit requirement.
- No minimum deposit or balance required for the Marcus Online Savings Account.
- Marcus has a high App Store rating of 4.8.
Potential Drawbacks
- Marcus's APY has remained unchanged at 3.65% over the past 30 days.
- Marcus does not offer a checking account option.
UFB Direct
Strengths
- UFB Direct provides a higher APY of 3.71% with conditions met.
- UFB Direct offers a checking and savings bundle for better interest rates.
- UFB Direct has a Google Play rating of 4.4.
Potential Drawbacks
- UFB Direct's APY has decreased from 3.96% in the last 30 days.
- A direct deposit and minimum balance are required to achieve the highest APY.
→ As of November 12, 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 UFB Direct's 3.71% APY for its UFB Checking and Savings Bundle account, with a minimum balance of $10,000.
→ UFB Direct yields $6 more than Marcus by Goldman Sachs on a $10,000 balance after one year. Marcus by Goldman Sachs pays $365, while UFB Direct pays $371 - an APY advantage for UFB Direct.
→ In addition, UFB Direct also offers 3.51% APY for the UFB Portfolio Savings account.
Calculate Savings Growth for Marcus by Goldman Sachs vs UFB Direct
Marcus by Goldman Sachs - Marcus Online Savings Account
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
Total balance: $20,209.7
Earnings: $2,209.7
Bank OverviewUFB Direct - UFB Checking and Savings Bundle
⚠️The higher APY only applies once your balance reaches $10,000.
Total savings breakdown:
- Interest earned: $2,218.7 (10.97%)
- Total contributions: $13,000 (64.30%)
- Initial deposit: $5,000 (24.73%)
Your total balance
$20,218.70
Total balance: $20,218.7
Earnings: $2,218.7
With a $5,000 initial deposit and $13,000 in total contributions over 5 years, Marcus by Goldman Sachs's total earnings would be $9 lower than UFB Direct's total earnings.
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
Compare Marcus by Goldman Sachs' vs UFB Direct's Savings Accounts
| Marcus by Goldman Sachs | UFB Direct | |||
|---|---|---|---|---|
| Product | Marcus Online Savings Account | vs | UFB Portfolio Savings | UFB Checking and Savings Bundle |
| APY | 3.65% (as of 11/12/2025) | 3.51% (as of 11/12/2025) | 3.51% - 3.71% (as of 11/12/2025) | |
| Bundled Account | No | No | No | |
| FDIC-insured | Yes | Yes | Yes | |
| Online Only | Yes | Yes | Yes | |
| Compound Frequency | Daily | Daily | Daily | |
| Minimum Deposit | $0 | $0 | $5000 | |
| Minimum Balance for APY | $0 | $0 | $10,000 | |
| Maintenance Fee | $0 | $0 | $0 | |
| Direct Deposit Required | No | No | Yes | |
| Note | The regular savings or money market APY may be boosted up to 3.71% by direct deposits, minimum balance of $10,000 and making 10 approved debit card transactions per statement cycle. See bank for full details. | |||
| Sponsored Link | LEARN MORE at UFB Direct, Member FDIC | LEARN MORE at UFB Direct, Member FDIC | ||
| App Store Rating | 4.8/5 | 4.8/5 | ||
| Google Play Rating | 4.1/5 | 4.4/5 | ||
| BBB Rating | A+ | A+ | ||
Comparative Historical APY Insights (Last 9 Months)
| Marcus by Goldman Sachs | UFB Direct | |||
|---|---|---|---|---|
| Product | Marcus Online Savings Account | vs | UFB Checking and Savings Bundle | UFB Portfolio Savings |
| Latest APY | 3.65 % | 3.71 % | 3.51 % | |
| Trend | Sideways | Sideways | Sideways | |
| Slope (bps/mo) | -2.9 | -3.6 | -3.2 | |
| Rate Changes / Mo | 0.21 | 0.31 | 0.31 | |
| Days Since Last Change | 169 | 14 | 14 | |
| High (-9 m) | 3.90 % | 4.21 % | 4.01 % | |
| Low (-9 m) | 3.65 % | 3.71 % | 3.51 % | |
| Draw-down from High | -6.4 % | -11.9 % | -12.5 % | |
| Volatility (CV) | 0.026 | 0.035 | 0.036 | |
APY Insights Glossary
- Latest APY
- Most recent advertised annual-percentage yield.
- Trend
- Direction over the last 9 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 (-9 m)
- Highest APY in the last 289 days.
- Low (-9 m)
- Lowest APY in the last 289 days.
- Draw-down from High
- How far today sits below the 9-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.