Marcus by Goldman Sachs vs. Valley 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 6, 2025FDIC InsuredNo MinimumsGreat iOS AppGreat Android AppShow Fine Print & Trends Hide Details
Marcus by Goldman Sachs
Marcus Online Savings Account
Valley Direct
High-Yield Savings Account
Up to4.10%APYDec 6, 2025FDIC InsuredLow MinimumsGreat iOS AppGreat Android AppRange: 3.50% – 4.10%Show Fine Print & Trends Hide Details
Valley Direct
High-Yield Savings Account
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.
Comparison Analysis
Comparing Marcus by Goldman Sachs vs. Valley Direct
Why Marcus by Goldman Sachs?
- ✓Available to New & Existing Customers
Why Valley Direct?
- ✓Higher potential APY (4.10% vs 3.65%) on all balances
- ✓Higher rated Android app (4.5 vs 4.2)
— Key Feature Differences —
Better Returns at $10,000
Valley DirectValley Direct's High-Yield Savings Account earns more on smaller deposits (approx. $410 vs $365/yr).
Better Returns at $25,000
Valley DirectValley Direct's High-Yield Savings Account pulls ahead with larger amounts (approx. $1025 vs $913/yr).
Best for Simplicity
Valley DirectValley Direct's High-Yield Savings Account offers 4.10% APY with no bundling, direct deposit requirement or caps.
Shared Benefits
Over a 1-year period, Valley Direct's High-Yield Savings Account pays $45 more interest on a $10,000 balance than Marcus by Goldman Sachs's Marcus Online Savings Account.
Executive Summary
Valley Direct offers a High-Yield Savings Account with a competitive APY of 4.10%, making it the winner compared to Marcus by Goldman Sachs, which has a lower APY of 3.65% for its Online Savings Account. Both accounts have no maintenance fees and are online-only, but Valley Direct's account requires a minimum deposit of $1,000. Notably, the higher rate at Valley Direct is available only to new customers, while existing customers receive a lower rate of 3.50%. For those looking for a straightforward savings option, Valley Direct's account is advantageous, especially for larger deposits.
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 Valley Direct.
| Feature | Marcus by Goldman Sachs | Valley Direct |
|---|---|---|
| APY | 3.65% Verified: 12/6/2025 Stable (90d) | 4.10% Range: 3.50% - 4.10% Verified: 12/6/2025 ↘︎ 0.20%90d Change |
| Product Name | Marcus Online Savings Account | High-Yield Savings Account |
| Minimum Deposit | $0 | $1,000 |
| Min. Balance for APY | $0 | $0.01 |
| 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 | iOS4.8 Android4.2 | iOS4.8 Android4.5 |
| BBB Rating | A+ | A+ |
| Important Notes | - | Promo rate for new customers. 3.50% APY applies to existing customers. |
| Next Steps |
Savings Comparison
Valley Direct earns $289.7 more than Marcus by Goldman Sachs.
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
Valley Direct
High-Yield Savings Account
Savings Breakdown
- Interest Earned+$2,499.40(12.2%)
- Total Contributions$13,000
- Initial Deposit$5,000
Projected Balance
$20,499.40
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
📈 Compare Savings Rates Over Time
Historical Performance
| Metric | Marcus by Goldman Sachs | Valley Direct |
|---|---|---|
| Marcus Online Savings Account | High-Yield Savings Account | |
Current APY | 3.65% | 4.10% |
Trend | Stable | Stable |
Velocity (bps/mo) | -2.5 | 0.7 |
Days Since Change | 192 | 71 |
10-Month High | 3.90% | 4.40% |
10-Month Low | 3.65% | 3.75% |
Adjustments / Mo | 0.19 | 0.67 |
Volatility Score | 0.025 | 0.042 |
How to read these metrics(Click to expand)
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