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 3.65% 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? Marcus by Goldman Sachs pays $13 more than Wealthfront annually ($365 vs $353).
Choose Marcus by Goldman Sachs if getting the best rate matters most, you want a no-strings-attached account, you want to avoid a promo rate with a scheduled drop, or BBB rating matters to you.
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 3.65% rate has no scheduled drop, though all rates are subject to change.
| Metric | Marcus by Goldman SachsMarcus Online Savings Account Apr 7, 2026 | WealthfrontCash Account Apr 7, 2026 |
|---|---|---|
| APY | 3.65% | 3.30% - 4.20% |
Est. Earnings | $5,000+$183 $10,000+$365 $25,000+$912 | $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's Cash Account offers a higher APY of 4.20%, making it the leading option between the two banks. This account is online-only and does not require a minimum deposit or direct deposit for the competitive rate, although new customers can enjoy this top rate for three months with direct deposit. In comparison, Marcus by Goldman Sachs provides a solid APY of 3.65% with its Marcus Online Savings Account, which also has no minimum deposit or maintenance fees but is slightly lower in yield. Both accounts are FDIC-insured, ensuring safety for your funds.
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 3.65%) 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 $353/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 $881/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, Marcus by Goldman Sachs's Marcus Online Savings Account pays $13 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.
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 $10.8 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: 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 $352 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 | 3.65% Verified: 4/7/2026 Stable (90d) | 4.20% Range: 3.30% - 4.20% Verified: 4/7/2026 ↗︎ 0.30%90d Change |
| 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 | 3.65% | 4.20% |
Trend | Stable | Stable |
Velocity (bps/mo) | -0.0 | 1.5 |
Days Since Change | 145 | 33 |
5-Month High | 3.65% | 4.20% |
5-Month Low | 3.65% | 3.90% |
Adjustments / Mo | 0.00 | 0.62 |
Volatility Score | 0.000 | 0.032 |
How to read these metrics(Click to expand)
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