Marcus by Goldman Sachs vs. UFB Direct
UFB Direct edges out Marcus by Goldman Sachs slightly at 3.46% vs 3.40% APY. On a $10,000 balance, the difference is just $6 per year, so other factors may matter more.
The Bottom Line
The Marcus by Goldman Sachs and UFB Direct savings accounts are very similar. Choose Marcus by Goldman Sachs if you want a no-strings-attached account, or you're an Android user.
Important Considerations
UFB Direct's UFB Checking and Savings Bundle pays its top rate only if you also open a checking account with UFB Direct, while Marcus by Goldman Sachs's Marcus Online Savings Account stands alone.
| Metric | Marcus by Goldman SachsMarcus Online Savings Account Sep 4, 2026 | UFB DirectUFB Checking and Savings Bundle Sep 4, 2026 |
|---|---|---|
| APY | 3.40% | 3.46% |
Earns in a year | $5,000+$170 $10,000+$340 $25,000+$850 | $5,000+$0 $10,000+$346 $25,000+$865 |
Min. Deposit | $0 | $5,000 |
Snapshot view. Rates subject to change. | ||
Terms | - | The regular savings or money market APY may be boosted by direct deposits, minimum balance of $10,000 and making 10 approved debit card transactions per statement cycle. The checking account also earns interest. See bank for full details. |
| Features | FDIC InsuredNo MinimumsGreat iOS AppGreat Android AppDaily CompoundingStable Rate | FDIC InsuredHigh MinimumGreat iOS AppGreat Android AppDirect Deposit ReqChecking BundleDaily CompoundingRate Changes Often |
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 Marcus by Goldman Sachs vs. UFB Direct
Executive Summary
Marcus by Goldman Sachs offers a competitive APY of 3.40% on its Marcus Online Savings Account, which is available online with no minimum deposit or maintenance fees. In comparison, UFB Direct's highest yielding product is the UFB Checking and Savings Bundle, providing an APY of 3.46%, but it requires a minimum deposit of $500,000 and a checking account. While UFB Direct's bundle offers a slightly higher APY, it comes with more stringent eligibility requirements. Both banks provide online-only services and are nationally available.
The analysis is based on current Banksparency database records
* This content is provided for informational purposes only; always verify details with the provider.
Why Marcus by Goldman Sachs?
- Higher rated Android app (4.9 vs 4.3)
Why UFB Direct?
- Offers an interest-bearing checking account in addition to the savings APY
- Access to over 90,000 fee-free ATMs
- Offers 2 different high-yield savings options
Shared Benefits
Over a 1-year period, UFB Direct's UFB Checking and Savings Bundle pays $6 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.
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* Secure link to our partner
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Marcus by Goldman Sachs vs. UFB Direct Savings Calculator
You earn $6 more with UFB Direct 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+$340.00(3.3%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,340.00
UFB Direct
UFB Checking and Savings Bundle
Savings Breakdown
- Interest Earned+$346.00(3.3%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,346.00
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 Marcus by Goldman Sachs and UFB Direct advertise far more than that typical branch-bank rate.
| Feature | Marcus by Goldman Sachs | UFB Direct |
|---|---|---|
| APY | 3.40% Observed: 9/4/2026 Stable over 90 days | 3.46% Observed: 9/4/2026 Stable over 90 days |
| Product Name | Marcus Online Savings Account | UFB Checking and Savings Bundle |
| Minimum Deposit | $0 | $5,000 |
| Min. Balance for APY | $0 | $10,000 |
| Monthly Fee | $0 | $0 |
| Compound Frequency | Daily | Daily |
| In-Branch Access | No | No |
| Account Type | Online Only | Online Only |
| Physical Branches | 5 (MA, NJ, NY, UT) | Not reported |
| Direct Deposit Req. | None | Required |
| Checking Bundle | No | Yes |
| Mobile Apps | ||
| FDIC or NCUA Insured | YesVerify FDIC | YesVerify FDIC |
| Zelle® Support | Not Supported | Not Supported |
| BBB Rating | Not Rated | A+ |
| Important Notes | - | The regular savings or money market APY may be boosted by direct deposits, minimum balance of $10,000 and making 10 approved debit card transactions per statement cycle. The checking account also earns interest. See bank for full details. |
| Next Steps | Visit SiteVerify at Marcus by Goldman Sachs Non-sponsored link to official site | Visit SiteGo to UFB Direct * Secure link to our partner |
Compare Savings Rates Over Time
Historical Performance
| Metric | Marcus by Goldman Sachs | UFB Direct | |
|---|---|---|---|
| Marcus Online Savings Account | UFB Portfolio Savings | UFB Checking and Savings Bundle | |
Current APY | 3.40% | 3.26% | 3.46% |
Trend | Stable | Stable | Stable |
Speed of change | -0.01 | -0.11 | -0.12 |
Days Since Change | 93 | 241 | 241 |
12-Month High | 3.65% | 4.01% | 4.21% |
12-Month Low | 3.40% | 3.26% | 3.46% |
Changes per month | 0.16 | 0.41 | 0.41 |
Steadiness | 0.009 | 0.062 | 0.058 |
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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Compare Marcus by Goldman Sachs' APY of 3.40% with other banks
Compare UFB Direct's APY of 3.46% with other banks
| Bank Pair | Competitor APY | Min Deposit |
|---|---|---|
| UFB Direct vs Ally Bank | 3.00% | $0 |
| UFB Direct vs American Express | 3.00% | $0 |
| UFB Direct vs Axos Bank | 4.21% | $0 |
| UFB Direct vs Barclays | 3.65% | $0 |
| UFB Direct vs Capital One | 3.50% | $0 |
| UFB Direct vs Chime | 3.75% | $0 |
| UFB Direct vs CIT Bank | 3.75% | $100 |
| UFB Direct vs EverBank | 3.90% | $0 |
| UFB Direct vs Newtek Bank | 4.20% | $100 |
| UFB Direct vs Openbank | 3.80% | $500 |
| UFB Direct vs Pibank | 4.10% | $0 |
| UFB Direct vs SoFi Bank | 4.00% | $0 |
| UFB Direct vs Synchrony Bank | 3.30% | $0 |
| UFB Direct vs Varo Bank | 3.75% | $0 |
| UFB Direct vs Wealthfront | 3.95% | $0 |