Marcus by Goldman Sachs vs. Zynlo Bank
Compare rates, requirements, and features side-by-side to find the best option for you.
| Metric | Marcus by Goldman SachsMarcus Online Savings Account Jan 21, 2026 | Zynlo BankTomorrow Savings Account Jan 21, 2026 |
|---|---|---|
| APY | 3.65% | 3.85% |
Est. Earnings | $5,000+$183 $10,000+$365 $25,000+$912 | $5,000+$193 $10,000+$385 $25,000+$963 |
Min Deposit | $0 | $10 |
Snapshot view. Rates subject to change. | ||
| Features | FDIC InsuredNo MinimumsGreat iOS AppGreat Android App | FDIC InsuredLow MinimumsGreat iOS App |
Market Reality Check
Both of these banks offer rates below the current top tier. The best rates we track are currently above 4.20% APY.
Comparison Analysis
Comparing Marcus by Goldman Sachs vs. Zynlo Bank
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 Zynlo Bank's 3.85% APY for its Tomorrow Savings Account, with a minimum balance of $0.01.
Zynlo Bank pays $20 more than Marcus by Goldman Sachs on a $10,000 balance after one year. Marcus by Goldman Sachs pays $365, while Zynlo Bank pays $385 - an APY advantage for Zynlo Bank.
Why Marcus by Goldman Sachs?
- ✓Higher rated iOS app (4.9 vs 4.1)
- ✓Higher rated Android app (4.9 vs 3.5)
Why Zynlo Bank?
- ✓Higher potential APY (3.85% vs 3.65%) on all balances
— Key Feature Differences —
Better Returns at $10,000
Zynlo BankZynlo Bank's Tomorrow Savings Account earns more on smaller deposits (approx. $385 vs $365/yr).
Better Returns at $25,000
Zynlo BankZynlo Bank's Tomorrow Savings Account pulls ahead with larger amounts (approx. $963 vs $912/yr).
Best for Simplicity
Zynlo BankZynlo Bank's Tomorrow Savings Account offers 3.85% APY with no bundling, direct deposit requirement or caps.
Best Mobile App Experience
Marcus by Goldman SachsMarcus by Goldman Sachs offers an iOS app rated 4.9 (vs. 4.1) and Android app rated 4.9 (vs. 3.5)
Shared Benefits
Over a 1-year period, Zynlo Bank's Tomorrow Savings Account pays $20 more interest on a $10,000 balance than Marcus by Goldman Sachs's Marcus Online Savings Account.
*This calculation assumes current rates remain consistent for 1 year and does not include temporary bonuses.
Executive Summary as of
Zynlo Bank's Tomorrow Savings Account leads with a competitive APY of 3.85%, making it a strong choice for savers. This account is online-only and requires a minimum deposit of $10, with no maintenance fees or direct deposit requirements, providing flexibility and simplicity. In comparison, Marcus by Goldman Sachs offers the Marcus Online Savings Account with a lower APY of 3.65%. While both accounts are online-only and have no maintenance fees, Zynlo Bank's account is more advantageous for those looking to maximize their returns. Overall, Zynlo Bank stands out as the winner based on the provided data.
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. Zynlo Bank Savings Calculator
You earn $20 more with Zynlo Bank 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+$365.00(3.5%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,365.00
Zynlo Bank
Tomorrow Savings Account
Savings Breakdown
- Interest Earned+$385.00(3.7%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,385.00
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
| Feature | Marcus by Goldman Sachs | Zynlo Bank |
|---|---|---|
| APY | 3.65% Verified: 1/21/2026 Stable (90d) | 3.85% Verified: 1/21/2026 ↘︎ 0.35%90d Change |
| Product Name | Marcus Online Savings Account | Tomorrow Savings Account |
| Minimum Deposit | $0 | $10 |
| 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 | iOS4.9 Android4.9 | iOS4.1 Android3.5 |
| Zelle® Support | Not Supported | Not Supported |
| BBB Rating | A+ | A+ |
| Next Steps | Visit SiteVerify at Marcus by Goldman Sachs Non-sponsored link to official site | Visit SiteVerify at Zynlo Bank Non-sponsored link to official site |
📈 Compare Savings Rates Over Time
Historical Performance
| Metric | Marcus by Goldman Sachs | Zynlo Bank |
|---|---|---|
| Marcus Online Savings Account | Tomorrow Savings Account | |
Current APY | 3.65% | 3.85% |
Trend | Stable | Stable |
Velocity (bps/mo) | -1.2 | -4.4 |
Days Since Change | 238 | 23 |
10-Month High | 3.90% | 4.35% |
10-Month Low | 3.65% | 3.85% |
Adjustments / Mo | 0.19 | 0.29 |
Volatility Score | 0.014 | 0.039 |
How to read these metrics(Click to expand)
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High Rates (With Checking Bundle)
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