FVCbank
Last Updated: 7/1/2025
Note: Interest rates below are reported as APY, or Annual Percentage YieldQuick Views
Advantage Direct Savings: 4.35% APY(Rank 12 out of 76 tracked HYSAs)
Minimum Deposit: $500 | Online Only
National Savings Interest Rate: 0.38% (as of 6/16/2025)
Note: The FDIC tracks savings and CD rates nationally, but it does not report APY, only the average interest rate.
(Source: FDIC)Our Take on FVCbank
Highlights
- Current APY of 4.35%, down from 4.45% last month.
- No maintenance fees for the Advantage Direct Savings account.
- A+ BBB rating indicates high trustworthiness.
- App Store rating of 4.4 suggests good customer satisfaction.
Considerations
- Minimum deposit and balance requirement of $500.
- No direct deposit option for the savings account.
- Google Play rating of 3.8 is lower than App Store rating.
- Online-only account may limit some users' access.
Summary: FVCbank offers a competitive APY of 4.35% for its Advantage Direct Savings account, though it has dropped slightly in the past month. The account has no maintenance fees, but requires a minimum deposit and balance of $500. With an A+ BBB rating, the bank is considered trustworthy, though it lacks a direct deposit option. Its online-only nature may not suit all customers, and its Google Play rating is notably lower than its App Store rating.
Savings Account
Savings Account Offered by FVCbank
| Feature | Advantage Direct Savings |
|---|---|
| APY | 4.35% (as of 7/1/2025) |
| APY Trend | -0.10% MoM |
| Minimum Deposit | $500 |
| Minimum Balance for APY | $500 |
| FDIC-insured | Yes |
| Online Only | Yes |
| Bundled Account | No |
| Direct Deposit Required | No |
| Compound Frequency | N/A |
| Maintenance Fee | $0 |
| Eligibility | United States |
No deposit agreement summary available for this bank. | |
Calculate Savings for FVCbank
All calculations are based on APY.
Advantage Direct Savings (APY: 4.35%)
Deposit Frequency:
Total savings breakdown:
- Interest earned: $22 (4.21%)
- Total contributions: $0 (0.00%)
- Initial deposit: $500 (95.79%)
Your total balance
$522.00
Effective APY: 4.35% (based on your deposit and contributions)
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
FVCbank Savings Rates Over Time
Historical APY Insights
| Metric | Advantage Direct Savings |
|---|---|
| Latest APY | 4.35 % |
| Trend | Falling |
| Slope (bps/mo) | -7.2 |
| Rate Changes / Mo | 0.57 |
| Days Since Last Change | 22 |
| High (-3 m) | 4.55 % |
| Low (-3 m) | 4.35 % |
| Draw-down from High | -4.4 % |
| Volatility (CV) | 0.018 |
APY Insights Glossary
- Latest APY
- Most recent advertised annual-percentage yield.
- Trend
- Direction over the last 3 months (regression slope).
- Slope (bps/mo)
- Average monthly change; 10 bps = 0.10 pp.
- Rate Changes / Mo
- Typical number of APY moves per month.
- Days Since Last Change
- Recency of the latest APY adjustment.
- High (-3 m)
- Highest APY in the last 105 days.
- Low (-3 m)
- Lowest APY in the last 105 days.
- Draw-down from High
- How far today sits below the 3-month peak.
- Volatility (CV)
- Coefficient of variation = stdev ÷ mean.
Why Track Savings-Account APYs?
- See how quickly a bank reacts to Fed moves or competition.
- Gauge “twitchiness” - frequent moves can annoy savers.
- Spot if you're buying near a peak (draw-down) or riding a rise.
- Slope (bps/mo) shows speed of change.
- Volatility (CV) scales jumps by average level.
Compare FVCbank's Savings Account
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| Feature | FVCbank | Select a bank... |
|---|---|---|
| Product | Advantage Direct Savings | N/A |
| APY | 4.35% (as of 7/1/2025) | N/A |
| Bundled Account | No | N/A |
| FDIC-insured | Yes | N/A |
| Online Only | Yes | N/A |
| Compound Frequency | N/A | N/A |
| Minimum Deposit | $500 | N/A |
| Minimum Balance for APY | $500 | N/A |
| Maintenance Fee | $0 | N/A |
| Direct Deposit Required | No | N/A |