EverBank vs. Marcus by Goldman Sachs
EverBank's Performance Savings pays 3.90% 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? EverBank pays $50 more than Marcus by Goldman Sachs annually ($390 vs $340).
Choose EverBank if getting the best rate matters most, or you want Zelle for quick transfers.
| Metric | EverBankPerformance Savings Sep 5, 2026 | Marcus by Goldman SachsMarcus Online Savings Account Sep 5, 2026 |
|---|---|---|
| APY | 3.90% | 3.40% |
Earns in a year | $5,000+$195 $10,000+$390 $25,000+$975 | $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 CompoundingStable Rate | 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 EverBank vs. Marcus by Goldman Sachs
Executive Summary
EverBank offers a Performance Savings account with a competitive APY of 3.90%, making it the top choice for savers looking to maximize their returns. This account has no minimum deposit or balance requirements, and does not require direct deposit, providing a straightforward savings option. In contrast, Marcus by Goldman Sachs features an Online Savings Account with a lower APY of 3.40%. While both accounts are online-only and have no maintenance fees, EverBank's higher yield sets it apart as the better option for savers.
The analysis is based on current Banksparency database records
* This content is provided for informational purposes only; always verify details with the provider.
Why EverBank?
- Higher potential APY (3.90% vs 3.40%) on all balances
- Physical branch access (11 locations in Florida and California)
- Fast transfers via Zelle®
Why Marcus by Goldman Sachs?
No distinct advantages found vs EverBank.
Key Feature Differences
Better Returns at $10,000
EverBankEverBank's Performance Savings earns more on smaller deposits (approx. $390 vs $340/yr).
Better Returns at $25,000
EverBankEverBank's Performance Savings pulls ahead with larger amounts (approx. $975 vs $850/yr).
Better for Simplicity
EverBankEverBank's Performance Savings offers 3.90% APY with no bundling, direct deposit requirement or caps.
Shared Benefits
Over a 1-year period, EverBank's Performance Savings pays $50 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
EverBank vs. Marcus by Goldman Sachs Savings Calculator
You earn $50 more with EverBank 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.
EverBank
Performance Savings
Savings Breakdown
- Interest Earned+$390.00(3.8%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,390.00
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 EverBank and Marcus by Goldman Sachs advertise far more than that typical branch-bank rate.
| Feature | EverBank | Marcus by Goldman Sachs |
|---|---|---|
| APY | 3.90% Observed: 9/5/2026 Stable over 90 days | 3.40% Observed: 9/5/2026 Stable over 90 days |
| Product Name | Performance Savings | 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 | 43 (CA, FL, MO, NY) | 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 Native integration verified. | Not Supported |
| BBB Rating | A+ | Not Rated |
| Next Steps | Visit SiteVerify at EverBank 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 | EverBank | Marcus by Goldman Sachs |
|---|---|---|
| Performance Savings | Marcus Online Savings Account | |
Current APY | 3.90% | 3.40% |
Trend | Stable | Stable |
Speed of change | -0.05 | -0.01 |
Days Since Change | 260 | 94 |
12-Month High | 4.30% | 3.65% |
12-Month Low | 3.90% | 3.40% |
Changes per month | 0.17 | 0.17 |
Steadiness | 0.025 | 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 362-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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High Rates (With Checking Bundle)
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