FVCbank: Savings Accounts & Rates
Mission: Banksparency aims to make FVCbank's savings accounts transparent and comparable to the market.
Savings Overview
Advantage Direct Savings
| Min. Deposit | $500 |
| Min. Balance | $500 |
| Maintenance Fee | $0 |
Bank Overview
- HQ LocationFairfax, Virginia
- Founded2007
- Ratings & Trust
- Deposit InsuranceFDIC Insured(Cert: 58696)
Our Take on FVCbank
Highlights
- Current APY of 3.85%, down from 4.10% last month
- No maintenance fees for the Advantage Direct Savings account
- A+ BBB rating, indicating strong trustworthiness
- User-friendly app with a 4.4 rating on the App Store
Considerations
- Minimum deposit and balance requirement of $500
- No physical branches available, online only
- Not BBB Accredited despite high rating
- Google Play rating is lower at 3.6
Savings Account: In-Depth View
Savings Account Offered by FVCbank
| Feature | Advantage Direct Savings |
|---|---|
| APY | 3.85% (as of 11/21/2025) |
| APY Trend | -0.25% MoM/-0.50% QoQ |
| 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 |
| Sponsored Link | |
No deposit agreement summary available for this bank. | |
Calculate Savings for FVCbank
Advantage Direct Savings (APY: 3.85%)
Total savings breakdown:
- Interest earned: $1,506.4 (9.71%)
- Total contributions: $13,000 (83.84%)
- Initial deposit: $1,000 (6.45%)
Your total balance
$15,506.40
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 | 3.85 % |
| Trend | Falling |
| Slope (bps/mo) | -7.7 |
| Rate Changes / Mo | 0.97 |
| Days Since Last Change | 21 |
| High (-8 m) | 4.55 % |
| Low (-8 m) | 3.85 % |
| Draw-down from High | -15.4 % |
| Volatility (CV) | 0.050 |
APY Insights Glossary
- Latest APY
- Most recent advertised annual-percentage yield.
- Trend
- Direction over the last 8 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 (-8 m)
- Highest APY in the last 248 days.
- Low (-8 m)
- Lowest APY in the last 248 days.
- Draw-down from High
- How far today sits below the 8-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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- LendingClub - 3.20-4.20% APY
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- My Banking Direct - 4.02% APY
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- Neighbors Bank - 4.50% APY
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- Northeast Bank - 2.50-3.00% APY
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- Presidential Bank - 3.50-4.00% APY
- Prime Alliance Bank - 3.90% APY
- Primis Bank - 3.85% APY
- Quontic Bank - 3.75% APY
- RBMAX - 3.90% APY
- Rising Bank - 3.95% APY
- ROGER - 3.87% APY
- Salem Five Direct - 3.71% APY
- Sallie Mae Bank - 3.90% APY
- Santander Bank - 0.01% APY
- SmartyPig - 3.90% APY
- SoFi Bank - 4.30% APY
- Synchrony Bank - 3.65% APY
- TAB Bank - 3.80% APY
- TD Bank - 0.05-2.75% APY
- The State Exchange Bank - 3.96% APY
- TIMBR - 4.40% APY
- UFB Direct - 3.51-3.71% APY
- Upgrade - 3.05% APY
- Valley Direct - 4.10% APY
- Varo Bank - 2.50-5.00% APY
- Vio Bank - 4.16% APY
- Wealthfront - 3.50-4.15% APY
- Wells Fargo - 0.05-0.05% APY
- Western Alliance Bank - 3.95% APY
- Zynlo Bank - 4.20% APY
| Feature | FVCbank | Select a bank... |
|---|---|---|
| Product | Advantage Direct Savings | N/A |
| APY | 3.85% (as of 11/21/2025) | 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 |
Bank-to-Bank Comparisons
Compare FVCbank's APY of 3.85% with other banks
Alternatives to FVCbank
Banks with Higher/Similar Savings APY
For a top list of the highest savings rates, see all HYSA top rates
SoFi Bank
SoFi Savings: 4.30% APY
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Axos ONE: 4.51% APY
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High-Yield Savings Account: 4.25% APY
Minimum Deposit: $2,500
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Eligible States: Limited (see details)
Quontic Bank
High Yield Savings: 3.75% APY
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Jenius Bank
Jenius Savings: 4.05% APY
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High Yield Savings Account: 4.08% APY
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Forbright Bank
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Minimum Deposit: $250
Eligible States: Limited (see details)
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Minimum Deposit: $1
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