Marcus By Goldman Sachs vs. Valley Direct
High-Yield Savings Account Comparison
By Aviel Fahl|Last Updated: October 16, 2025
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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 | $1000 |
| Minimum Balance for Top APY | $0 | $0.01 |
| Note | Promo. Eligibility restricted to new customers. |
Marcus by Goldman Sachs
Strengths
- No minimum deposit or balance requirement for the Marcus Online Savings Account.
- Marcus by Goldman Sachs has a solid App Store rating of 4.8.
- No maintenance fees for the Marcus Online Savings Account.
Potential Drawbacks
- The current APY for Marcus is 3.65%, unchanged from 30 days ago.
Valley Direct
Strengths
- Valley Direct offers a higher current APY of 4.10%, though down from 4.30% last month.
- Accounts can be serviced at Valley branch locations in NJ, NY, FL, and AL.
Potential Drawbacks
- Requires a minimum deposit of $1,000 to open the High-Yield Savings Account.
- Valley Direct is not BBB Accredited despite having an A+ rating.
→ As of October 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
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
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 10/16/2025) | 4.10% (as of 10/16/2025) | |
| Bundled Account | No | No | |
| FDIC-insured | Yes | Yes | |
| Online Only | Yes | Yes | |
| Compound Frequency | Daily | Daily | |
| Minimum Deposit | $0 | $1000 | |
| 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 9 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) | -3.4 | 3.1 | |
| Rate Changes / Mo | 0.23 | 0.80 | |
| Days Since Last Change | 141 | 20 | |
| High (-9 m) | 3.90 % | 4.40 % | |
| Low (-9 m) | 3.65 % | 3.75 % | |
| Draw-down from High | -6.4 % | -6.8 % | |
| Volatility (CV) | 0.027 | 0.047 |
APY Insights Glossary
- Latest APY
- Most recent advertised annual-percentage yield.
- Trend
- Direction over the last 9 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 (-9 m)
- Highest APY in the last 262 days.
- Low (-9 m)
- Lowest APY in the last 262 days.
- Draw-down from High
- How far today sits below the 9-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.