Marcus By Goldman Sachs vs Ufb Direct
High-Yield Savings Accounts Comparison

Last Updated: August 1, 2025

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Summary of Marcus by Goldman Sachs vs. UFB Direct

As of August 1, 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 for its savings account.
  • No direct deposit requirement for the Marcus Online Savings Account.
  • Marcus by Goldman Sachs has an App Store rating of 4.8.

Potential Drawbacks

  • Marcus Online Savings Account has a lower APY of 3.65% compared to UFB Direct's offerings.
  • No branch locations available for Marcus by Goldman Sachs.

UFB Direct

Strengths

  • UFB Direct offers a higher APY of 4.21% with specific conditions met.
  • UFB Direct has a Google Play rating of 4.8, indicating strong user satisfaction.
  • UFB Direct is BBB Accredited, enhancing its trustworthiness.

Potential Drawbacks

  • UFB Direct requires a minimum deposit of $5,000 for its checking and savings bundle.
  • Direct deposit is required to obtain the highest APY with UFB Direct.
Summary: Marcus by Goldman Sachs provides a lower APY of 3.65% with no minimum balance and no direct deposit requirement. In contrast, UFB Direct offers a higher APY of 4.21% but requires a minimum deposit and direct deposits to achieve that rate. Both banks have strong App Store ratings, but UFB Direct is also BBB Accredited, adding to its credibility. Neither bank has physical branches.

Compare Marcus by Goldman Sachs' vs UFB Direct's Savings Accounts

Marcus by Goldman SachsUFB Direct
ProductMarcus Online Savings AccountvsUFB Portfolio SavingsUFB Checking and Savings Bundle
APY
3.65% (as of 8/1/2025)4.01% (as of 8/1/2025)4.01% - 4.21% (as of 8/1/2025)
Bundled Account
NoNoNo
FDIC-insured
YesYesYes
Online OnlyYesYesYes
Compound Frequency
DailyDailyDaily
Minimum Deposit$0$0$5000
Minimum Balance for APY$0$0$10,000
Maintenance Fee$0$0$0
Direct Deposit Required
NoNoYes
NoteThe 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
App Store Rating4.8/54.8/5
Google Play Rating4.1/54.8/5
BBB RatingA+A+

Comparative Historical APY Insights (Last 6 Months)

Marcus by Goldman SachsUFB Direct
ProductMarcus Online Savings AccountvsUFB Checking and Savings BundleUFB Portfolio Savings
Latest APY3.65 %4.21 %4.01 %
TrendFallingSidewaysSideways
Slope (bps/mo)-5.2-0.00.0
Rate Changes / Mo0.320.000.00
Days Since Last Change67170187
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)0.0270.0000.000
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 187 days.
Low (-6 m)
Lowest APY in the last 187 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

All calculations are based on APY.

Marcus by Goldman Sachs

APY: 3.65%

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

Effective APY: 3.65% (based on your deposit and contributions)

Total balance: $20,209.7

Earnings: $2,209.7

Bank Overview

UFB Direct

APY: 4.21%

⚠️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

Effective APY: 4.17% (based on your deposit and contributions)

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