Marcus By Goldman Sachs vs. Valley Direct
High-Yield Savings Account Comparison
By Aviel Fahl|Last Updated: November 16, 2025
We earn a commission if you open an account through some links on this page.
Summary of Marcus by Goldman Sachs vs. Valley Direct
Key Metrics at a Glance
| Feature | Marcus by Goldman Sachs | Valley Direct |
|---|---|---|
| Top Savings APY | 3.65% Marcus Online Savings Account | 4.10% High-Yield Savings Account |
| Minimum to Open | $0 | $1,000 |
| Minimum Balance for Top APY | $0 | $0.01 |
| Note | Promo. Eligibility restricted to new customers. |
Marcus by Goldman Sachs
Strengths
- Marcus Online Savings Account has no minimum deposit requirement.
- Marcus by Goldman Sachs has a higher App Store rating of 4.8.
- Marcus by Goldman Sachs is BBB Accredited with an A+ rating.
Potential Drawbacks
- Marcus Online Savings Account offers a lower APY of 3.65% compared to Valley Direct.
- Marcus by Goldman Sachs has no branch locations for in-person service.
Valley Direct
Strengths
- Valley Direct's High-Yield Savings Account offers a competitive APY of 4.1%.
- Valley Direct has a higher Google Play rating of 4.5.
- Accounts can be serviced at multiple branch locations in NJ, NY, FL, and AL.
Potential Drawbacks
- Valley Direct requires a minimum deposit of $1,000 to open an account.
- Valley Direct is not BBB Accredited despite having an A+ rating.
→ As of November 16, 2025 Marcus by Goldman Sachs offers an APY of 3.65% for its Marcus Online Savings Account, with a minimum balance of $0, compared to Valley Direct's 4.10% APY for its High-Yield Savings Account, with a minimum balance of $0.01.
→ Valley Direct yields $45 more than Marcus by Goldman Sachs on a $10,000 balance after one year. Marcus by Goldman Sachs pays $365, while Valley Direct pays $410 - an APY advantage for Valley Direct.
Calculate Savings Growth for Marcus by Goldman Sachs vs Valley Direct
Marcus by Goldman Sachs - Marcus Online Savings Account
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 OverviewValley Direct - High-Yield Savings Account
Total savings breakdown:
- Interest earned: $2,499.4 (12.19%)
- Total contributions: $13,000 (63.42%)
- Initial deposit: $5,000 (24.39%)
Your total balance
$20,499.40
Total balance: $20,499.4
Earnings: $2,499.4
Bank OverviewWith a $5,000 initial deposit and $13,000 in total contributions over 5 years, Marcus by Goldman Sachs's total earnings would be $289.7 lower than Valley Direct's total earnings.
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
Compare Marcus by Goldman Sachs' vs Valley Direct's Savings Accounts
| Marcus by Goldman Sachs | Valley Direct | ||
|---|---|---|---|
| Product | Marcus Online Savings Account | vs | High-Yield Savings Account |
| APY | 3.65% (as of 11/16/2025) | 4.10% (as of 11/16/2025) | |
| Bundled Account | No | No | |
| FDIC-insured | Yes | Yes | |
| Online Only | Yes | Yes | |
| Compound Frequency | Daily | Daily | |
| Minimum Deposit | $0 | $1,000 | |
| Minimum Balance for APY | $0 | $0.01 | |
| Maintenance Fee | $0 | $0 | |
| Direct Deposit Required | No | No | |
| Eligibility | United States | Only for new customers. Existing Valley Bank or Valley Direct customers may open a savings account with a somewhat lower rate. | |
| Note | Promo. Eligibility restricted to new customers. | ||
| App Store Rating | 4.8/5 | 4.8/5 | |
| Google Play Rating | 4.1/5 | 4.5/5 | |
| BBB Rating | A+ | A+ |
Comparative Historical APY Insights (Last 10 Months)
| Marcus by Goldman Sachs | Valley Direct | ||
|---|---|---|---|
| Product | Marcus Online Savings Account | vs | High-Yield Savings Account |
| Latest APY | 3.65 % | 4.10 % | |
| Trend | Sideways | Sideways | |
| Slope (bps/mo) | -2.8 | 1.4 | |
| Rate Changes / Mo | 0.21 | 0.72 | |
| Days Since Last Change | 172 | 51 | |
| High (-10 m) | 3.90 % | 4.40 % | |
| Low (-10 m) | 3.65 % | 3.75 % | |
| Draw-down from High | -6.4 % | -6.8 % | |
| Volatility (CV) | 0.026 | 0.044 |
APY Insights Glossary
- Latest APY
- Most recent advertised annual-percentage yield.
- Trend
- Direction over the last 10 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 (-10 m)
- Highest APY in the last 292 days.
- Low (-10 m)
- Lowest APY in the last 292 days.
- Draw-down from High
- How far today sits below the 10-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.