Marcus by Goldman Sachs vs. Wealthfront
Compare rates, requirements, and features side-by-side to find the best option for you.
| Metric | Marcus by Goldman SachsMarcus Online Savings Account Jan 7, 2026 | WealthfrontCash Account Jan 7, 2026 |
|---|---|---|
| APY | 3.65% | 3.25% - 3.90% |
Est. Earnings | $5,000+$183 $10,000+$365 $25,000+$912 | $5,000+$171 $10,000+$341 $25,000+$853 |
Min Deposit | $0 | $0 |
Snapshot view. Rates subject to change. | ||
Terms | - | Wealthfront is not a bank but a financial services company. It is FDIC-insured through its many partner banks. New clients get an APY of 3.90% for 3 months, after which the 3.25% APY applies. See terms at Wealthfront. |
| Features | FDIC InsuredNo MinimumsGreat iOS AppGreat Android App | FDIC InsuredNo 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 4.21% APY.
Comparison Analysis
Comparing Marcus by Goldman Sachs vs. Wealthfront
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 Wealthfront's 3.90% APY for its Cash Account, with a minimum balance of $0.
Marcus by Goldman Sachs pays $24 more than Wealthfront on a $10,000 balance after one year. Marcus by Goldman Sachs pays $365, while Wealthfront pays $341 (with an effective APY of 3.41%) - an APY advantage for Marcus by Goldman Sachs.
Why Marcus by Goldman Sachs?
No distinct advantages found vs Wealthfront.
Why Wealthfront?
- ✓Higher potential APY (3.90% vs 3.65%) for a duration of 3 months
— 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 $341/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 $853/yr).
Best for Simplicity
WealthfrontWealthfront's Cash Account offers 3.90% 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 $24 more interest on a $10,000 balance than Wealthfront's Cash Account.
*This comparison accounts for Wealthfront's introductory promotional rate, yet Marcus by Goldman Sachs's standard rate still yields a higher 1-year return.
Executive Summary as of
Wealthfront's Cash Account offers a competitive APY of 3.90%, making it the higher-yield option compared to Marcus by Goldman Sachs's Marcus Online Savings Account, which earns 3.65%. Wealthfront's account is designed for simplicity, with no direct deposit requirement and no maintenance fees, although the higher rate is promotional for the first three months before dropping to 3.25%. Both accounts are online-only and require no minimum deposit or balance, providing accessible savings options. However, Wealthfront is not a bank but a financial services company, relying on partner banks for FDIC insurance.
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. Wealthfront Savings Calculator
You earn $22.5 more with Marcus by Goldman Sachs than Wealthfront 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
Wealthfront
Cash Account
Promo Rate: 3.90% for 3 months, then 3.25%.
Savings Breakdown
- Interest Earned+$342.50(3.3%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,342.50
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
| Feature | Marcus by Goldman Sachs | Wealthfront |
|---|---|---|
| APY | 3.65% Verified: 1/7/2026 Stable (90d) | 3.90% Range: 3.25% - 3.90% Verified: 1/7/2026 - |
| Product Name | Marcus Online Savings Account | Cash Account |
| Minimum Deposit | $0 | $0 |
| Min. Balance for APY | $0 | $0 |
| 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 | iOS4.8 Android4.9 |
| Zelle® Support | Not Supported | Not Supported |
| BBB Rating | A+ | F |
| Important Notes | - | Wealthfront is not a bank but a financial services company. It is FDIC-insured through its many partner banks. New clients get an APY of 3.90% for 3 months, after which the 3.25% APY applies. See terms at Wealthfront. |
| Next Steps | Visit SiteVerify at Marcus by Goldman Sachs Non-sponsored link to official site | Visit SiteVerify at Wealthfront Non-sponsored link to official site |
📈 Compare Savings Rates Over Time
Historical Performance
| Metric | Marcus by Goldman Sachs | Wealthfront |
|---|---|---|
| Marcus Online Savings Account | Cash Account | |
Current APY | 3.65% | 3.90% |
Trend | Stable | Stable |
Velocity (bps/mo) | 0.0 | -18.8 |
Days Since Change | 54 | 19 |
2-Month High | 3.65% | 4.15% |
2-Month Low | 3.65% | 3.90% |
Adjustments / Mo | 0.00 | 0.55 |
Volatility Score | 0.000 | 0.030 |
How to read these metrics(Click to expand)
Compare Similar High-Yield Accounts
Compare Marcus by Goldman Sachs vs...
Comparing against Standard Savings
Compare Wealthfront vs...
Comparing against Standard Savings
High Rates (With Checking Bundle)
Looking for something different? Check out these top-rated alternatives.