VaultRubric
Marcus vs SoFi
Marcus and SoFi are both popular high-yield savings accounts. Here are the sourced facts side by side, then VaultRubric's equal-weight score with the math shown. Every value links to its source with an as-of date; anything we couldn't verify says not found.
Rates change often — verify on the bank's or broker's site before opening an account. Every value shows its as-of date; ⚑ marks figures from third-party sites. Not financial advice.
Run your own comparison →Opens the tool with these platforms filled in, so you can change the weights.
Key facts compared
| Fact | Marcus | SoFi |
|---|---|---|
| APY (standard) | 3.5% src · 2026-10-10 | 3.3% src · 2026-10-10 |
| APY conditions | not found | 3.30% with eligible direct deposit or qualifying deposits; new members up to 4.20% with limited-time 0.90% boost for up to 6 months src · 2026-09-23 |
| Promo (not scored) | not found | apy: 4.2, boost: 0.90% for up to 6 months, eligibility: new members with eligible DD src · 2026-09-23 |
| Minimum to earn APY | $0 src · 2026-10-10 | $0 src · 2026-10-10 |
| Monthly fee | $0 src · 2026-10-10 | $0 src · 2026-10-10 |
| Deposit insurance | Up to $250,000 src · 2026-10-10 FDIC; Goldman Sachs Bank USA, Salt Lake City Branch (cert 33124 per third party) | Up to $250,000 src · 2026-10-10 FDIC; SoFi Bank, N.A. |
| FDIC cert | 33124 (Goldman Sachs Bank USA) src · 2026-10-10 | 26881 (SoFi Bank, National Association) src · 2026-10-10 |
| Regulatory actions (5 yrs) | 2024-10-23 CFPB: Goldman Sachs Bank USA consent order (Apple Card): $45M penalty + ≥$19.8M redress; order terminated 2025-09-22 src | none found in last 5 yrs src · 2026-10-10 |
VaultRubric verdict
Too close to call: SoFi and Marcus by Goldman Sachs are within 2.8 points (under 3). Pick on the criteria you care about most.
⚠ Marcus by Goldman Sachs: Regulatory: CFPB: Goldman Sachs Bank USA consent order (Apple Card): $45M penalty + ≥$19.8M redress; order terminated 2025-09-22 (2024-10-23)
| Criterion (weight) | SoFi | Marcus by Goldman Sachs |
|---|---|---|
| APY (standard rate) (20%) | 9.4/10 | 10.0/10 |
| Minimum to earn APY (20%) | 10.0/10 | 10.0/10 |
| Fees (20%) | 10.0/10 | 10.0/10 |
| Deposit insurance (20%) | 9.0/10 | 9.0/10 |
| Regulatory record (20%) | 10.0/10 | 8.0/10 |
| Overall | 96.8% coverage 100% | 94.0% coverage 100% |
Show math: SoFi
0.200×9.4 + 0.200×10.0 + 0.200×10.0 + 0.200×9.0 + 0.200×10.0 = 9.68; ÷ covered weight 1.000 = 9.68/10 → 96.8%Show math: Marcus by Goldman Sachs
0.200×10.0 + 0.200×10.0 + 0.200×10.0 + 0.200×9.0 + 0.200×8.0 = 9.40; ÷ covered weight 1.000 = 9.40/10 → 94.0%Opens the tool with these platforms filled in, so you can change the weights.
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FAQ
Is Marcus or SoFi better?
Too close to call on equal weights (94.0% vs 96.8%). Change the weights in the tool to match your priorities.
Which pays more, Marcus or SoFi?
Standard APY in our data: Marcus 3.5% (as of 2026-10-10), SoFi 3.3% (as of 2026-10-10). Rates are variable; check each bank's site.
Has Marcus faced regulatory action recently?
Our data lists: 2024-10-23 CFPB: Goldman Sachs Bank USA consent order (Apple Card): $45M penalty + ≥$19.8M redress; order terminated 2025-09-22.
How does VaultRubric score these?
Only from our curated dataset (official pages, regulators, and flagged third-party sites), with fixed formulas shown in “Show math”. No AI or live scraping, so the same comparison always gives the same result. Not financial advice.