Marcus by Goldman Sachs vs. Zynlo Bank
Compare rates, requirements, and features side-by-side to find the best option for you.
Marcus by Goldman Sachs
Marcus Online Savings Account
3.65%APYDec 6, 2025FDIC InsuredNo MinimumsGreat iOS AppGreat Android AppShow Fine Print & Trends Hide Details
Marcus by Goldman Sachs
Marcus Online Savings Account
Zynlo Bank
Tomorrow Savings Account
4.05%APYDec 6, 2025FDIC InsuredLow MinimumsGreat iOS AppShow Fine Print & Trends Hide Details
Zynlo Bank
Tomorrow Savings Account
Market Reality Check
Both of these banks offer rates below the current top tier. The best rates we track are currently above 4.25% APY.
Comparison Analysis
Comparing Marcus by Goldman Sachs vs. Zynlo Bank
Why Marcus by Goldman Sachs?
- ✓Higher rated iOS app (4.8 vs 4.0)
- ✓Higher rated Android app (4.2 vs 3.5)
Why Zynlo Bank?
- ✓Higher potential APY (4.05% 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. $405 vs $365/yr).
Better Returns at $25,000
Zynlo BankZynlo Bank's Tomorrow Savings Account pulls ahead with larger amounts (approx. $1013 vs $913/yr).
Best for Simplicity
Zynlo BankZynlo Bank's Tomorrow Savings Account offers 4.05% 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 4.8 (vs. 4.0) and Android app rated 4.2 (vs. 3.5)
Shared Benefits
Over a 1-year period, Zynlo Bank's Tomorrow Savings Account pays $40 more interest on a $10,000 balance than Marcus by Goldman Sachs's Marcus Online Savings Account.
Executive Summary
Zynlo Bank's Tomorrow Savings Account offers a competitive APY of 4.05%, making it the winner in this comparison. This account requires a minimum deposit of $10 and has no maintenance fees, providing simplicity and better returns at various deposit levels. In contrast, Marcus by Goldman Sachs features the Marcus Online Savings Account with a lower APY of 3.65%. While it has no minimum deposit requirement and boasts a strong mobile app experience, it does not match the yield of Zynlo's offering. Both accounts are online-only and FDIC insured.
Analysis generated based on current Banksparency database records
* AI-generated content provided for informational purposes only. Accuracy is not guaranteed; always verify details with the provider.
Top Market Contenders
See who beats both Marcus by Goldman Sachs and Zynlo Bank.
| Feature | Marcus by Goldman Sachs | Zynlo Bank |
|---|---|---|
| APY | 3.65% Verified: 12/6/2025 Stable (90d) | 4.05% Verified: 12/6/2025 ↘︎ 0.30%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 | iOS4.8 Android4.2 | iOS4.0 Android3.5 |
| BBB Rating | A+ | A+ |
| Next Steps |
Savings Comparison
Zynlo Bank earns $257.3 more than Marcus by Goldman Sachs.
Marcus by Goldman Sachs
Marcus Online Savings Account
Savings Breakdown
- Interest Earned+$2,209.70(10.9%)
- Total Contributions$13,000
- Initial Deposit$5,000
Projected Balance
$20,209.70
Zynlo Bank
Tomorrow Savings Account
Savings Breakdown
- Interest Earned+$2,467.00(12.1%)
- Total Contributions$13,000
- Initial Deposit$5,000
Projected Balance
$20,467.00
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
📈 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% | 4.05% |
Trend | Stable | Stable |
Velocity (bps/mo) | -1.6 | -2.6 |
Days Since Change | 192 | 14 |
9-Month High | 3.90% | 4.35% |
9-Month Low | 3.65% | 4.05% |
Adjustments / Mo | 0.23 | 0.23 |
Volatility Score | 0.015 | 0.022 |
How to read these metrics(Click to expand)
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