Marcus By Goldman Sachs vs. Wealthfront
High-Yield Savings Account Comparison
By Aviel Fahl|Last Updated: November 12, 2025
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Summary of Marcus by Goldman Sachs vs. Wealthfront
Key Metrics at a Glance
| Feature | Marcus by Goldman Sachs | Wealthfront |
|---|---|---|
| Top Savings APY | 3.65% Marcus Online Savings Account | 4.15% Cash Account |
| Minimum to Open | $0 | $0 |
| Minimum Balance for Top APY | $0 | $0 |
| Note | 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 4.15% for 3 months, after which the 3.50% APY applies. See terms at Wealthfront. |
Marcus by Goldman Sachs
Strengths
- Marcus by Goldman Sachs offers a stable APY of 3.65% with no changes over the past 30 days.
- Marcus by Goldman Sachs has a strong BBB rating of A+.
Potential Drawbacks
- Marcus by Goldman Sachs has no branches available for in-person banking.
- Marcus by Goldman Sachs has a lower APY compared to Wealthfront.
Wealthfront
Strengths
- Wealthfront offers a high introductory APY of 4.15% for new clients.
- Wealthfront has a higher Google Play rating of 4.9.
Potential Drawbacks
- Wealthfront has a poor BBB rating of F and is not accredited.
- Wealthfront's APY drops to 3.50% after three months.
→ As of November 12, 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 Wealthfront's 4.15% APY for its Cash Account, with a minimum balance of $0.
→ Wealthfront yields $50 more than Marcus by Goldman Sachs on a $10,000 balance after one year. Marcus by Goldman Sachs pays $365, while Wealthfront pays $415 - an APY advantage for Wealthfront.
Calculate Savings Growth for Marcus by Goldman Sachs vs Wealthfront
Marcus by Goldman Sachs - Marcus Online Savings Account
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 OverviewWealthfront - Cash Account
Total savings breakdown:
- Interest earned: $2,531.8 (12.33%)
- Total contributions: $13,000 (63.32%)
- Initial deposit: $5,000 (24.35%)
Your total balance
$20,531.80
Total balance: $20,531.8
Earnings: $2,531.8
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 $322.1 lower than Wealthfront'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 Wealthfront's Savings Accounts
| Marcus by Goldman Sachs | Wealthfront | ||
|---|---|---|---|
| Product | Marcus Online Savings Account | vs | Cash Account |
| APY | 3.65% (as of 11/12/2025) | 3.50% - 4.15% (as of 11/12/2025) | |
| Bundled Account | No | No | |
| FDIC-insured | Yes | Yes | |
| Online Only | Yes | Yes | |
| Compound Frequency | Daily | Daily | |
| Minimum Deposit | $0 | $0 | |
| Minimum Balance for APY | $0 | $0 | |
| Maintenance Fee | $0 | $0 | |
| Direct Deposit Required | No | No | |
| Note | 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 4.15% for 3 months, after which the 3.50% APY applies. See terms at Wealthfront. | ||
| App Store Rating | 4.8/5 | 4.8/5 | |
| Google Play Rating | 4.1/5 | 4.9/5 | |
| BBB Rating | A+ | F |
No historical data available.