Marcus by Goldman Sachs vs. UFB Direct
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 17, 2025FDIC InsuredNo MinimumsGreat iOS AppGreat Android AppShow Fine Print & Trends Hide Details
Marcus by Goldman Sachs
Marcus Online Savings Account
UFB Direct
UFB Checking and Savings Bundle
Up to3.60%APYDec 17, 2025FDIC InsuredHigh MinimumDirect Deposit ReqChecking BundleGreat iOS AppGreat Android AppRange: 3.40% – 3.60%Show Fine Print & Trends Hide Details
UFB Direct
UFB Checking and Savings Bundle
Comparison Analysis
Comparing Marcus by Goldman Sachs vs. UFB Direct
As of 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 3.60% APY for its UFB Checking and Savings Bundle account, with a minimum balance of $10,000.
Marcus by Goldman Sachs pays $5 more than UFB Direct on a $10,000 balance after one year. Marcus by Goldman Sachs pays $365, while UFB Direct pays $360 - an APY advantage for Marcus by Goldman Sachs.
In addition, UFB Direct also offers 3.40% APY for the UFB Portfolio Savings account, with a minimum balance of $0.
Why Marcus by Goldman Sachs?
No distinct advantages found vs UFB Direct.
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 —
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 $5 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.
Executive Summary
Marcus by Goldman Sachs offers the Marcus Online Savings Account with a competitive 3.65% APY, making it the top choice for savers seeking simplicity, as it has no direct deposit requirements or maintenance fees. In comparison, UFB Direct's UFB Portfolio Savings provides a slightly lower APY of 3.40%, while their Checking and Savings Bundle can yield up to 3.60% with specific conditions, including a required checking account and direct deposit. Both banks operate online-only and have no minimum deposit or balance requirements for their savings accounts.
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.
Market Reality Check
Both of these banks offer rates below the current top tier. The best rates we track are currently above 4.25% APY.
Marcus by Goldman Sachs vs. UFB Direct Savings Calculator
You earn $5 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+$360.00(3.5%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,360.00
Sponsored Link
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
Top Market Contenders
See who beats both Marcus by Goldman Sachs and UFB Direct.
| Feature | Marcus by Goldman Sachs | UFB Direct |
|---|---|---|
| APY | 3.65% Verified: 12/17/2025 Stable (90d) | 3.60% Range: 3.40% - 3.60% Verified: 12/17/2025 ↘︎ 0.50%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 |
| Branch Access | None | None |
| Account Type | Online Only | Online Only |
| Direct Deposit Req. | None | Required |
| Checking Bundle | No | Yes |
| Mobile Apps | iOS4.9 Android4.6 | iOS4.8 Android4.3 |
| BBB Rating | A+ | A+ |
| Important Notes | - | The regular savings or money market APY may be boosted up to 3.60% 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 | SponsoredOpen Account |
📈 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% | 3.60% | 3.40% |
Trend | Stable | Stable | Stable |
Velocity (bps/mo) | -2.3 | -5.5 | -5.0 |
Days Since Change | 203 | 6 | 6 |
11-Month High | 3.90% | 4.21% | 4.01% |
11-Month Low | 3.65% | 3.60% | 3.40% |
Adjustments / Mo | 0.19 | 0.37 | 0.37 |
Volatility Score | 0.025 | 0.052 | 0.053 |
How to read these metrics(Click to expand)
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