Bask Bank vs. Marcus by Goldman Sachs
Bask Bank's Interest Savings Account pays 3.75% APY while Marcus by Goldman Sachs's Marcus Online Savings Account pays 3.40% APY.
See how they compare on rate stability, mobile app ratings, and more below.
The Bottom Line
Who pays more interest on $10,000? Bask Bank pays $35 more than Marcus by Goldman Sachs annually ($375 vs $340).
Choose Bask Bank if getting the best rate matters most, or you want Zelle for quick transfers.
| Metric | Bask BankInterest Savings Account Sep 7, 2026 | Marcus by Goldman SachsMarcus Online Savings Account Sep 5, 2026 |
|---|---|---|
| APY | 3.75% | 3.40% |
Earns in a year | $5,000+$188 $10,000+$375 $25,000+$938 | $5,000+$170 $10,000+$340 $25,000+$850 |
Min. Deposit | $0 | $0 |
Snapshot view. Rates subject to change. | ||
| Features | FDIC InsuredNo MinimumsGreat iOS AppGreat Android AppZelle® SupportedDaily CompoundingRate Changes Often | FDIC InsuredNo MinimumsGreat iOS AppGreat Android AppDaily CompoundingStable Rate |
Market Reality Check
Both of these institutions offer rates below the top 10 savings and money market accounts we track. Those institutions all pay at least 4.01% APY.
Comparison Analysis
Comparing Bask Bank vs. Marcus by Goldman Sachs
Executive Summary
Bask Bank's Interest Savings Account offers a competitive APY of 3.75%, making it the top choice compared to Marcus by Goldman Sachs, which provides an APY of 3.40%. Bask Bank stands out for its simplicity, requiring no direct deposit or minimum balance, while also being available online nationwide. In contrast, Marcus is also an online-only bank but is limited to residents of MA, NJ, NY, and UT. Both accounts have no maintenance fees and compound interest daily, but Bask Bank's higher yield makes it the clear winner.
The analysis is based on current Banksparency database records
* This content is provided for informational purposes only; always verify details with the provider.
Why Bask Bank?
- Higher potential APY (3.75% vs 3.40%) on all balances
- Fast transfers via Zelle®
Why Marcus by Goldman Sachs?
No distinct advantages found vs Bask Bank.
Key Feature Differences
Better Returns at $10,000
Bask BankBask Bank's Interest Savings Account earns more on smaller deposits (approx. $375 vs $340/yr).
Better Returns at $25,000
Bask BankBask Bank's Interest Savings Account pulls ahead with larger amounts (approx. $938 vs $850/yr).
Better for Simplicity
Bask BankBask Bank's Interest Savings Account offers 3.75% APY with no bundling, direct deposit requirement or caps.
Better Mobile App Experience
Marcus by Goldman SachsMarcus by Goldman Sachs offers an iOS app rated 4.9 (vs. 4.7) and Android app rated 4.9 (vs. 4.6)
Shared Benefits
Over a 1-year period, Bask Bank's Interest Savings Account pays $35 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.
Non-sponsored link to official site
Non-sponsored link to official site
Top Market Contenders
Bask Bank vs. Marcus by Goldman Sachs Savings Calculator
You earn $35 more with Bask 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.
Bask Bank
Interest Savings Account
Savings Breakdown
- Interest Earned+$375.00(3.6%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,375.00
Marcus by Goldman Sachs
Marcus Online Savings Account
Savings Breakdown
- Interest Earned+$340.00(3.3%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,340.00
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
Still at a large branch bank?
A typical branch-bank savings rate is 0.05% APY. On a $10,000 balance, the gap to these two banks is at least $335 a year in interest.
Both Bask Bank and Marcus by Goldman Sachs advertise far more than that typical branch-bank rate.
| Feature | Bask Bank | Marcus by Goldman Sachs |
|---|---|---|
| APY | 3.75% Observed: 9/7/2026 0.25%90-day change | 3.40% Observed: 9/5/2026 Stable over 90 days |
| Product Name | Interest Savings Account | Marcus Online Savings Account |
| Minimum Deposit | $0 | $0 |
| Min. Balance for APY | $0 | $0 |
| Monthly Fee | $0 | $0 |
| Compound Frequency | Daily | Daily |
| In-Branch Access | No | No |
| Account Type | Online Only | Online Only |
| Physical Branches | Not reported | 5 (MA, NJ, NY, UT) |
| Direct Deposit Req. | None | None |
| Checking Bundle | No | No |
| Mobile Apps | ||
| FDIC or NCUA Insured | YesVerify FDIC | YesVerify FDIC |
| Zelle® Support | Available Available for Interest Checking; not for standalone savings. | Not Supported |
| BBB Rating | B | Not Rated |
| Next Steps | Visit SiteVerify at Bask Bank Non-sponsored link to official site | Visit SiteVerify at Marcus by Goldman Sachs Non-sponsored link to official site |
Compare Savings Rates Over Time
Historical Performance
| Metric | Bask Bank | Marcus by Goldman Sachs |
|---|---|---|
| Interest Savings Account | Marcus Online Savings Account | |
Current APY | 3.75% | 3.40% |
Trend | Stable | Stable |
Speed of change | -0.05 | -0.01 |
Days Since Change | 125 | 96 |
12-Month High | 4.15% | 3.65% |
12-Month Low | 3.75% | 3.40% |
Changes per month | 0.41 | 0.16 |
Steadiness | 0.033 | 0.009 |
How to read these metrics(Click to expand)
Trends and speed
- Trend: The general direction of the rate over the analyzed period. Useful for seeing whether a bank is raising its rate or letting it slip.
- Speed of change: How fast the rate moves. A high positive number means they raise rates quickly. A reading of 0.10 is a tenth of a percentage point each month.
- Changes per month: How often the rate moves. A high number means it changes constantly; a low number means it holds.
Risk & Range
- High/Low: The absolute ceiling and floor of the rate during the 364-day window.
- Steadiness: How far the rate swings around its average. A lower score means a steadier, more predictable rate.
- Days Since Change: A high number, for example above 90, means the rate rarely moves. A low number means it changed recently.
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More Comparisons
Compare Bask Bank's APY of 3.75% with other banks
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|---|---|---|
| Bask Bank vs Ally Bank | 3.00% | $0 |
| Bask Bank vs American Express | 3.00% | $0 |
| Bask Bank vs Axos Bank | 4.21% | $0 |
| Bask Bank vs Barclays | 3.65% | $0 |
| Bask Bank vs Capital One | 3.50% | $0 |
| Bask Bank vs Chime | 3.75% | $0 |
| Bask Bank vs CIT Bank | 3.75% | $100 |
| Bask Bank vs EverBank | 3.90% | $0 |
| Bask Bank vs Newtek Bank | 4.20% | $100 |
| Bask Bank vs Openbank | 3.80% | $500 |
| Bask Bank vs Pibank | 4.10% | $0 |
| Bask Bank vs SoFi Bank | 4.00% | $0 |
| Bask Bank vs Synchrony Bank | 3.30% | $0 |
| Bask Bank vs Varo Bank | 3.75% | $0 |
| Bask Bank vs Wealthfront | 3.95% | $0 |