SoFi vs Marcus by Goldman Sachs

SoFi is a personal loans with low APR and fees. Must have good credit to qualify. How does it compare to Marcus? Read our comparison chart below.

		MarcusDiscover BankWells FargoBank of AmericaCIT BankRobinhood
	Learn More	Learn More
	SoFi	Marcus by Goldman Sachs
	OFFER Personal Loans: Borrow Between $5k-$100k - Learn More Read SoFi Review	SPECIAL OFFER Marcus Online Savings - Earn 3.65% APY - Learn More Read Marcus Review
	Benefits and Features
Savings	3.80% APY on savings balances with direct deposit or qualifying deposits (1.00% APY without)	3.65% APY. $0 to open. No fees to open or maintain account. No minimum daily balance requirement.
CD	N/A	3.85% to 4.10% APY. Terms of 6 months to 6 years. 12-month CD APY of 4.00%. $500 minimum to open. No monthly service fee.
Checking	0.50% APY on checking balances	N/A
Money Market		N/A
Mobile App	iOS & Android	iOS & Android
ATMs	55,000+ Allpoint ATMs	None
Customer Service	Checking and Savings Support: Phone: (855) 456-7634 Monday - Thursday: 5AM - 7PM PT Friday - Sunday: 5AM - 5PM PT 24/7 online chat	Mon - Sat: 8 am - 10 pm ET Sat - Sun: 9 am - 7 pm ET
Locations	4 branch locations	Online only
	CreditDonkey® Reviews
Fees
Interest Rates
Eligibility
Pros & Cons	Pros: Competitive, fixed rates Low fees No collateral Cons: Slower underwriting process High standards for borrowers
Bottom Line	Personal loans with low APR and fees. Must have good credit to qualify... Read full review	Read full review
	Personal Loans: Borrow Between $5k-$100k Active Investing with SoFi SoFi Active Invest with SoFi Plus - Up to $2,000 Free Stock	Marcus Online Savings - Earn 3.65% APY 14-Month High-Yield CD - 4.10% APY 6-Month High-Yield CD - 4.05% APY
Blank fields may indicate the information is not available, not applicable, or not known to CreditDonkey. Please visit the product website for details. Marcus: Information including rates, fees, terms, and benefits was obtained on October 04, 2025 from published websites and is believed to be accurate, but not guaranteed.

Which is Better: SoFi or Marcus?

Still need help deciding which bank reviews & deals is better? Read the in-depth reviews below. You may also be interested in comparing SoFi or Discover Bank.

Articles on SoFi

SoFi Reviews

SoFi offers unsecured personal loans if you need to borrow money ASAP. But is it legit (or not)? Learn how SoFi personal loans actually work.

• SoFi vs Discover Bank
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SoFi Bank

Seeking high rates and a great digital banking experience? SoFi Bank offers solid accounts and a top-rated mobile app. Read on to know more.

• SoFi vs CIT Bank
• SoFi vs Robinhood

SoFi Bank Locations

SoFi is an online bank offering checking and savings accounts. But does it have physical branches? Keep reading to find out.

SoFi High Yield Savings

Want a high APY and easy access to your money? Get the best of both worlds with SoFi's Checking and Savings account.

Articles on Marcus by Goldman Sachs

GS Bank Review

Marcus by Goldman Sachs offers savings accounts and CDs at high interest rates. But don't expect accounts with a lot of bells and whistles. Read on for the pros and cons.

Marcus by Goldman Sachs High Yield Savings Review

Saving up for something big? Grow your funds with Marcus Online Savings' impressive APY rate. Read on for more details.

Marcus CD Rates

Marcus has high-yield, no-penalty, and rate bump CDs. But are the rates competitive? Read on to find out.

Which Do You Think is Best?

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