Marcus By Goldman Sachs vs Ufb Direct
High-Yield Savings Accounts Comparison
Last Updated: August 8, 2025
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Summary of Marcus by Goldman Sachs vs. UFB Direct
As of August 8, 2025 Marcus by Goldman Sachs offers an APY of 3.65% for its Marcus Online Savings Account account, compared to UFB Direct's 4.21% APY for its UFB Checking and Savings Bundle account.
UFB Direct yields $56 more than Marcus by Goldman Sachs on a $10,000 balance after one year. Marcus by Goldman Sachs pays $365, while UFB Direct pays $421 - an APY advantage for UFB Direct.
In addition, UFB Direct also offers 4.01% APY for the UFB Portfolio Savings account.
Marcus by Goldman Sachs
Strengths
- Marcus by Goldman Sachs offers a $0 minimum deposit and balance requirement.
- Marcus by Goldman Sachs has no direct deposit requirement for its savings account.
- Marcus by Goldman Sachs maintains a solid App Store rating of 4.8.
Potential Drawbacks
- Marcus by Goldman Sachs has a lower APY of 3.65% compared to UFB Direct.
- Marcus by Goldman Sachs does not have a checking account option.
UFB Direct
Strengths
- UFB Direct offers a higher APY of 4.21% with direct deposit and minimum balance requirements.
- UFB Direct provides a checking and savings bundle for better APY.
- UFB Direct has an excellent Google Play rating of 4.8.
Potential Drawbacks
- UFB Direct requires a $5,000 minimum deposit for its checking and savings bundle.
- UFB Direct mandates a minimum balance of $10,000 to achieve the highest APY.
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 8/8/2025) | 4.01% (as of 8/8/2025) | 4.01% - 4.21% (as of 8/8/2025) | |
| 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 4.21% 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 | 4.8/5 | ||
| BBB Rating | A+ | A+ | ||
Comparative Historical APY Insights (Last 6 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 % | 4.21 % | 4.01 % | |
| Trend | Falling | Sideways | Sideways | |
| Slope (bps/mo) | -5.0 | 0.0 | -0.0 | |
| Rate Changes / Mo | 0.31 | 0.00 | 0.00 | |
| Days Since Last Change | 74 | 177 | 194 | |
| High (-6 m) | 3.90 % | 4.21 % | 4.01 % | |
| Low (-6 m) | 3.65 % | 4.21 % | 4.01 % | |
| Draw-down from High | -6.4 % | 0.0 % | 0.0 % | |
| Volatility (CV) | 0.027 | 0.000 | 0.000 | |
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 194 days.
- Low (-6 m)
- Lowest APY in the last 194 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 UFB Direct
Marcus by Goldman Sachs
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
⚠️The higher APY only applies once your balance reaches $10,000.
Total savings breakdown:
- Interest earned: $2,541.6 (12.37%)
- Total contributions: $13,000 (63.29%)
- Initial deposit: $5,000 (24.34%)
Your total balance
$20,541.60
Total balance: $20,541.6
Earnings: $2,541.6
With a $5,000 initial deposit and $13,000 in total contributions over 5 years, Marcus by Goldman Sachs's total earnings would be $331.9 lower than UFB Direct'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 UFB Direct's APY of 4.21% with other banks
| Bank Pair | Best APY | Min Deposit |
|---|---|---|
| UFB Direct vs Ally Bank | 3.50% | $0 |
| UFB Direct vs American Express | 3.50% | $0 |
| UFB Direct vs Bank of America | 0.01% | $100 |
| UFB Direct vs Barclays | 4.10% | $0 |
| UFB Direct vs Capital One | 3.50% | $0 |
| UFB Direct vs Chase Bank | 0.01% | $0 |
| UFB Direct vs Chime | 3.75% | $0 |
| UFB Direct vs CIT Bank | 4.00% | $100 |
| UFB Direct vs Discover Bank | 3.50% | $0 |
| UFB Direct vs Fitness Bank | 4.85% | $100 |
| UFB Direct vs Presidential Bank | 4.50% | $5,000 |
| UFB Direct vs SoFi Bank | 3.80% | $0 |
| UFB Direct vs Synchrony Bank | 3.80% | $0 |
| UFB Direct vs Varo Bank | 5.00% | $0 |
| UFB Direct vs Wells Fargo | 2.51% | $25 |