Capital One vs Marcus by Goldman Sachs
Head-to-head comparison of Capital One 360 Performance Savings and Marcus Online Savings Account, updated daily.
Marcus by Goldman Sachs currently wins on APY: 3.65% vs 3.20%
| Feature | Capital OneLive | Marcus by Goldman SachsLive |
|---|---|---|
| APY | 3.20% | 3.65%★ |
| Min opening deposit | $0 | $0 |
| Min balance for APY | $0 | $0 |
| Monthly fee | $0.00 | $0.00 |
| Insurance | FDIC | FDIC |
| Compounding | monthly | daily |
| ATM access | Yes★ | No |
| Check writing | No | No |
| Mobile app | Yes | Yes |
| Editor rating | 4.0 / 5 | 4.5 / 5★ |
Capital One verdict
Capital One is one of the few HYSAs from a major bank with physical branch presence. You pay for that physical access in the form of a slightly lower APY — about 50-70bps less than the leaders. Reasonable choice for users who want the option of in-person service.
Read full Capital One review →Marcus by Goldman Sachs verdict
Marcus is the conservative choice. It does not have the absolute highest APY on the market, but it is consistently within the top tier and is backed by one of the most established financial institutions in the world. For savers who prioritize stability over chasing rates, this is our recommended option.
Read full Marcus by Goldman Sachs review →