Marcus by Goldman Sachs vs. Wealthfront
Comparing Marcus by Goldman Sachs and Wealthfront for high-yield savings: Marcus by Goldman Sachs's Marcus Online Savings Account pays 3.40% APY while Wealthfront's Cash Account pays 4.20% APY (including a 3-month 0.90% promo boost).
See how they compare on rate stability, mobile app ratings, and more below.
The Bottom Line
Who pays more interest on $10,000? Wealthfront pays $13 more than Marcus by Goldman Sachs annually ($353 vs $340).
Choose Marcus by Goldman Sachs if you want a no-strings-attached account, you want to avoid a promo rate with a scheduled drop, or BBB rating matters to you. Choose Wealthfront if getting the best rate matters most.
Important Considerations
The key difference? Wealthfront's 4.20% rate includes a promotional bonus for the first 3 months, after which it reverts to the standard rate (currently 3.30%). Marcus by Goldman Sachs's 3.40% rate has no scheduled drop, though all rates are subject to change.
| Metric | Marcus by Goldman SachsMarcus Online Savings Account Jun 18, 2026 | WealthfrontCash Account Jul 6, 2026 |
|---|---|---|
| APY | 3.40% | 3.30% - 4.20% |
Est. Earnings | $5,000+$170 $10,000+$340 $25,000+$850 | $5,000+$176 $10,000+$353 $25,000+$881 |
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 customers may earn the top rate of 4.20% for 3 months with direct deposit. See terms at Wealthfront. |
| Features | FDIC InsuredNo MinimumsGreat iOS AppGreat Android AppDaily CompoundingStable Rate | FDIC InsuredNo MinimumsGreat iOS AppGreat Android AppDaily CompoundingRate Changes Often |
Prefer In-Person Banking?
Both of these banks are online-only. If you need physical branch access, check out our list of high-yield accounts with brick-and-mortar locations.
Comparison Analysis
Comparing Marcus by Goldman Sachs vs. Wealthfront
Executive Summary
Wealthfront offers a Cash Account with a competitive APY of 4.20%, making it the standout choice compared to Marcus by Goldman Sachs, which has a Marcus Online Savings Account yielding 3.40%. Both accounts require no minimum deposit or maintenance fees and are online-only. Wealthfront's account is particularly noted for its simplicity, as it does not require direct deposit and has no caps on earnings. Additionally, Wealthfront's account provides better returns at varying deposit levels, making it an attractive option for savers.
The analysis is based on current Banksparency database records
* This content is provided for informational purposes only; always verify details with the provider.
Why Marcus by Goldman Sachs?
No distinct advantages found vs Wealthfront.
Why Wealthfront?
- ✓Higher potential APY (4.20% vs 3.40%) on all balances
— Key Feature Differences —
Better Returns at $10,000
WealthfrontWealthfront's Cash Account earns more on smaller deposits (approx. $353 vs $340/yr).
Better Returns at $25,000
WealthfrontWealthfront's Cash Account pulls ahead with larger amounts (approx. $881 vs $850/yr).
Best for Simplicity
WealthfrontWealthfront's Cash Account offers 4.20% APY with no bundling, direct deposit requirement or caps.
Shared Benefits
Over a 1-year period (factoring in a 3-month promo), Wealthfront's Cash Account pays $13 more interest on a $10,000 balance than Marcus by Goldman Sachs's Marcus Online Savings Account.
*Wealthfront's calculation includes their 3-month introductory promotional rate and subsequent standard rate.
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 $14.2 more with Wealthfront than Marcus by Goldman Sachs 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+$340.00(3.3%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,340.00
Wealthfront
Cash Account
Promo Rate: 4.20% for 3 months, then 3.30%.
Savings Breakdown
- Interest Earned+$354.20(3.4%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,354.20
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
Still banking with Chase, Bank of America, or Wells Fargo?
On a $10,000 balance, you're missing out on at least $339 per year in interest.
Both Marcus by Goldman Sachs and Wealthfront dramatically outperform the typical 0.01% APY at traditional big banks.
| Feature | Marcus by Goldman Sachs | Wealthfront |
|---|---|---|
| APY | 3.40% Verified: 6/18/2026 ↘︎ 0.25%90d Change | 4.20% Range: 3.30% - 4.20% Verified: 7/6/2026 Stable (90d) |
| Product Name | Marcus Online Savings Account | Cash Account |
| Minimum Deposit | $0 | $0 |
| Min. Balance for APY | $0 | $0 |
| Monthly Fee | $0 | $0 |
| Compound Frequency | Daily | Daily |
| Branch Access | None | None |
| Account Type | Online Only | Online Only |
| Physical Branches | N/A | None |
| Direct Deposit Req. | None | None |
| Checking Bundle | No | No |
| Mobile Apps | ||
| FDIC Insured | YesVerify FDIC | Yes |
| 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 customers may earn the top rate of 4.20% for 3 months with direct deposit. 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 | 3.40% | 4.20% |
Trend | Stable | Stable |
Velocity (bps/mo) | -3.0 | 3.2 |
Days Since Change | 16 | 105 |
7-Month High | 3.65% | 4.20% |
7-Month Low | 3.40% | 3.90% |
Adjustments / Mo | 0.28 | 0.41 |
Volatility Score | 0.023 | 0.031 |
How to read these metrics(Click to expand)
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