Marcus by Goldman Sachs vs. Upgrade
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 10, 2025FDIC InsuredNo MinimumsGreat iOS AppGreat Android AppShow Fine Print & Trends Hide Details
Marcus by Goldman Sachs
Marcus Online Savings Account
Upgrade
Premier Savings
3.05%APYDec 10, 2025FDIC InsuredLow MinimumsGreat iOS AppGreat Android AppShow Fine Print & Trends Hide Details
Upgrade
Premier Savings
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. Upgrade Savings Calculator
Marcus by Goldman Sachs earns $380.1 more than Upgrade.
Marcus by Goldman Sachs
Marcus Online Savings Account
Savings Breakdown
- Interest Earned+$2,209.70(10.9%)
- Total Contributions$13,000
- Initial Deposit$5,000
Projected Balance
$20,209.70
Upgrade
Premier Savings
Savings Breakdown
- Interest Earned+$1,829.60(9.2%)
- Total Contributions$13,000
- Initial Deposit$5,000
Projected Balance
$19,829.60
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
Comparison Analysis
Comparing Marcus by Goldman Sachs vs. Upgrade
Why Marcus by Goldman Sachs?
- ✓Higher potential APY (3.65% vs 3.05%) on all balances
Why Upgrade?
No distinct advantages found vs Marcus by Goldman Sachs.
— 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 $305/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 $763/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 $60 more interest on a $10,000 balance than Upgrade's Premier Savings.
*This calculation assumes current rates remain consistent for 1 year and does not include temporary bonuses.
Executive Summary
Marcus by Goldman Sachs offers a competitive APY of 3.65% with its Marcus Online Savings Account, which is ideal for savers looking for simplicity as it has no direct deposit requirement or maintenance fees. In contrast, Upgrade's Premier Savings account provides a lower APY of 3.05%, also with no direct deposit requirement but a minimum balance of $1,000. Both accounts are online-only and FDIC insured, but Marcus stands out with a significantly higher yield.
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.
Top Market Contenders
See who beats both Marcus by Goldman Sachs and Upgrade.
| Feature | Marcus by Goldman Sachs | Upgrade |
|---|---|---|
| APY | 3.65% Verified: 12/10/2025 Stable (90d) | 3.05% Verified: 12/10/2025 ↘︎ 0.97%90d Change |
| Product Name | Marcus Online Savings Account | Premier Savings |
| Minimum Deposit | $0 | $0 |
| Min. Balance for APY | $0 | $1,000 |
| Monthly Fee | $0 | $0 |
| Branch Access | None | None |
| Account Type | Online Only | Online Only |
| Direct Deposit Req. | None | None |
| Checking Bundle | No | No |
| Mobile Apps | iOS4.9 Android4.4 | iOS4.9 Android4.5 |
| BBB Rating | A+ | A+ |
| Next Steps |
📈 Compare Savings Rates Over Time
Historical Performance
| Metric | Marcus by Goldman Sachs | Upgrade |
|---|---|---|
| Marcus Online Savings Account | Premier Savings | |
Current APY | 3.65% | 3.05% |
Trend | Stable | Stable |
Velocity (bps/mo) | -2.4 | -10.5 |
Days Since Change | 196 | 39 |
10-Month High | 3.90% | 4.14% |
10-Month Low | 3.65% | 3.05% |
Adjustments / Mo | 0.19 | 0.28 |
Volatility Score | 0.025 | 0.105 |
How to read these metrics(Click to expand)
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