Marcus By Goldman Sachs vs. Zynlo Bank
High-Yield Savings Account Comparison
By Aviel Fahl|Last Updated: October 21, 2025
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Summary of Marcus by Goldman Sachs vs. Zynlo Bank
Key Metrics at a Glance
| Feature | Marcus by Goldman Sachs | Zynlo Bank |
|---|---|---|
| Top Savings APY | 3.65% Marcus Online Savings Account | 4.20% Tomorrow Savings Account |
| Minimum to Open | $0 | $10 |
| Minimum Balance for Top APY | $0 | $0.01 |
Marcus by Goldman Sachs
Strengths
- Marcus by Goldman Sachs has a solid App Store rating of 4.8.
- No minimum deposit or balance required for the Marcus Online Savings Account.
- Marcus by Goldman Sachs has a maintenance fee of $0.
Potential Drawbacks
- The current APY for Marcus Online Savings Account is lower than some competitors at 3.65%.
- Marcus by Goldman Sachs has no branches.
Zynlo Bank
Strengths
- Zynlo Bank offers a higher current APY of 4.20% for the Tomorrow Savings Account.
- Zynlo Bank has no maintenance fees associated with its account.
- Zynlo Bank allows a low minimum deposit of $10.
Potential Drawbacks
- Zynlo Bank's App Store rating is lower at 4.0.
- Zynlo Bank is not BBB accredited despite having an A+ rating.
- The current APY for Zynlo Bank decreased from 4.35% in the last 30 days.
→ As of October 21, 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 Zynlo Bank's 4.20% APY for its Tomorrow Savings Account, with a minimum balance of $0.01.
→ Zynlo Bank yields $55 more than Marcus by Goldman Sachs on a $10,000 balance after one year. Marcus by Goldman Sachs pays $365, while Zynlo Bank pays $420 - an APY advantage for Zynlo Bank.
Calculate Savings Growth for Marcus by Goldman Sachs vs Zynlo Bank
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 OverviewZynlo Bank - Tomorrow Savings Account
Total savings breakdown:
- Interest earned: $2,564.3 (12.47%)
- Total contributions: $13,000 (63.22%)
- Initial deposit: $5,000 (24.31%)
Your total balance
$20,564.30
Total balance: $20,564.3
Earnings: $2,564.3
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 $354.6 lower than Zynlo Bank'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 Zynlo Bank's Savings Accounts
| Marcus by Goldman Sachs | Zynlo Bank | ||
|---|---|---|---|
| Product | Marcus Online Savings Account | vs | Tomorrow Savings Account |
| APY | 3.65% (as of 10/21/2025) | 4.20% (as of 10/21/2025) | |
| Bundled Account | No | No | |
| FDIC-insured | Yes | Yes | |
| Online Only | Yes | Yes | |
| Compound Frequency | Daily | Daily | |
| Minimum Deposit | $0 | $10 | |
| Minimum Balance for APY | $0 | $0.01 | |
| Maintenance Fee | $0 | $0 | |
| Direct Deposit Required | No | No | |
| App Store Rating | 4.8/5 | 4.0/5 | |
| Google Play Rating | 4.1/5 | 3.5/5 | |
| BBB Rating | A+ | A+ |
Comparative Historical APY Insights (Last 7 Months)
| Marcus by Goldman Sachs | Zynlo Bank | ||
|---|---|---|---|
| Product | Marcus Online Savings Account | vs | Tomorrow Savings Account |
| Latest APY | 3.65 % | 4.20 % | |
| Trend | Sideways | Sideways | |
| Slope (bps/mo) | -2.3 | -0.7 | |
| Rate Changes / Mo | 0.27 | 0.14 | |
| Days Since Last Change | 146 | 12 | |
| High (-7 m) | 3.90 % | 4.35 % | |
| Low (-7 m) | 3.65 % | 4.20 % | |
| Draw-down from High | -6.4 % | -3.4 % | |
| Volatility (CV) | 0.017 | 0.008 |
APY Insights Glossary
- Latest APY
- Most recent advertised annual-percentage yield.
- Trend
- Direction over the last 7 months (regression slope).
- Slope (bps/mo)
- Average monthly change; 10 bps = 0.10 pp.
- Rate Changes / Mo
- Typical number of APY moves per month.
- Days Since Last Change
- Recency of the latest APY adjustment.
- High (-7 m)
- Highest APY in the last 219 days.
- Low (-7 m)
- Lowest APY in the last 219 days.
- Draw-down from High
- How far today sits below the 7-month peak.
- Volatility (CV)
- Coefficient of variation = stdev ÷ mean.
Why Track Savings-Account APYs?
- See how quickly a bank reacts to Fed moves or competition.
- Gauge “twitchiness” - frequent moves can annoy savers.
- Spot if you're buying near a peak (draw-down) or riding a rise.
- Slope (bps/mo) shows speed of change.
- Volatility (CV) scales jumps by average level.