Marcus by Goldman Sachs vs. Upgrade
Compare rates, requirements, and features side-by-side to find the best option for you.
| Metric | Marcus by Goldman SachsMarcus Online Savings Account Jan 16, 2026 | UpgradePremier Savings Jan 16, 2026 |
|---|---|---|
| APY | 3.65% | 3.05% |
Est. Earnings | $5,000+$183 $10,000+$365 $25,000+$912 | $5,000+$153 $10,000+$305 $25,000+$763 |
Min Deposit | $0 | $0 |
Snapshot view. Rates subject to change. | ||
| Features | FDIC InsuredNo MinimumsGreat iOS AppGreat Android App | FDIC InsuredLow MinimumsGreat iOS AppGreat Android App |
Market Reality Check
Both of these banks offer rates below the current top tier. The best rates we track are currently above 4.20% APY.
Comparison Analysis
Comparing Marcus by Goldman Sachs vs. Upgrade
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 Upgrade's 3.05% APY for its Premier Savings account, with a minimum balance of $1,000.
Marcus by Goldman Sachs pays $60 more than Upgrade on a $10,000 balance after one year. Marcus by Goldman Sachs pays $365, while Upgrade pays $305 - an APY advantage for Marcus by Goldman Sachs.
Why Marcus by Goldman Sachs?
- ✓Higher potential APY (3.65% vs 3.05%) on all balances
- ✓Higher rated Android app (4.9 vs 4.5)
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 as of
Marcus by Goldman Sachs offers a competitive APY of 3.65% through its Marcus Online Savings Account, which is notable for its simplicity, requiring no direct deposit or minimum balance, and is online-only. 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. Overall, Marcus by Goldman Sachs stands out as the winner with significantly higher returns.
The analysis is based on current Banksparency database records
* This content is provided for informational purposes only; always verify details with the provider.
Non-sponsored link to official site
Non-sponsored link to official site
Top Market Contenders
Marcus by Goldman Sachs vs. Upgrade Savings Calculator
You earn $60 more with Marcus by Goldman Sachs than Upgrade 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
Upgrade
Premier Savings
Savings Breakdown
- Interest Earned+$305.00(3.0%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,305.00
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
| Feature | Marcus by Goldman Sachs | Upgrade |
|---|---|---|
| APY | 3.65% Verified: 1/16/2026 Stable (90d) | 3.05% Verified: 1/16/2026 ↘︎ 0.37%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 Android4.9 | iOS4.9 Android4.5 |
| Zelle® Support | Not Supported | Not Supported |
| BBB Rating | A+ | A+ |
| Next Steps | Visit SiteVerify at Marcus by Goldman Sachs Non-sponsored link to official site | Visit SiteVerify at Upgrade Non-sponsored link to official site |
📈 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) | -2.0 | -11.3 |
Days Since Change | 233 | 76 |
12-Month High | 3.90% | 4.14% |
12-Month Low | 3.65% | 3.05% |
Adjustments / Mo | 0.17 | 0.25 |
Volatility Score | 0.024 | 0.122 |
How to read these metrics(Click to expand)
Compare Similar High-Yield Accounts
Compare Marcus by Goldman Sachs vs...
Comparing against Standard Savings
Compare Upgrade vs...
Comparing against Standard Savings
High Rates (With Checking Bundle)
Looking for something different? Check out these top-rated alternatives.