FVCbank

Last Updated: 6/20/2025

Note: Interest rates below are reported as APY, or Annual Percentage Yield

Quick Views

Advantage Direct Savings: 4.35% APY(Rank 12 out of 74 tracked HYSAs)

Minimum Deposit: $500 | Online Only

National Savings Interest Rate: 0.42% (as of 5/19/2025)

Note: The FDIC tracks savings and CD rates nationally, but it does not report APY, only the average interest rate.

(Source: FDIC)

Bank Overview

BBB Rating: A+

App Store Rating: 4.3/5

Google Play Rating: 3.6/5

Website: Visit FVCbank

Our Take on FVCbank

Highlights

  • Current APY of 4.35%, competitive for high-yield savings accounts.
  • No maintenance fees on the Advantage Direct Savings account.
  • A+ BBB rating indicates strong trustworthiness.
  • App Store rating of 4.3 suggests good customer satisfaction.

Considerations

  • Current APY decreased from 4.45% in the last 30 days.
  • Minimum deposit and balance requirement of $500 may limit access.
  • No physical branches available for in-person banking.
  • Google Play rating of 3.6 indicates mixed user experiences.
Summary: FVCbank offers a high-yield Advantage Direct Savings account with a current APY of 4.35%, although it has decreased slightly from 4.45% recently. The account has no maintenance fees, but requires a minimum deposit and balance of $500. An A+ BBB rating reflects its reliability, while the app ratings show varying customer satisfaction. The lack of physical branches may be a drawback for some users.

Savings Account

Savings Account Offered by FVCbank

FeatureAdvantage Direct Savings
APY
4.35% (as of 6/20/2025)
APY Trend-0.10% MoM
Minimum Deposit$500
Minimum Balance for APY$500
FDIC-insured
Yes
Online OnlyYes
Bundled Account
No
Direct Deposit Required
No
Compound Frequency
N/A
Maintenance Fee$0
EligibilityUnited 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

MetricAdvantage Direct Savings
Latest APY4.35 %
TrendFalling
Slope (bps/mo)-7.1
Rate Changes / Mo0.63
Days Since Last Change13
High (-3 m)4.55 %
Low (-3 m)4.35 %
Draw-down from High-4.4 %
Volatility (CV)0.016
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 95 days.
Low (-3 m)
Lowest APY in the last 95 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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  • All America Bank - 1.50-3.25% APY
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  • Bask Bank - 4.20% APY
  • Betterment - 4.00% APY
  • BMO Alto - 3.60% APY
  • Bread Savings - 4.30% APY
  • BrioDirect - 4.30% APY
  • Capital One - 3.60% APY
  • Carver Bank - 4.00% APY
  • Charles Schwab Bank - 0.15% APY
  • Chase Bank - 0.01% APY
  • Chime - 1.25-3.75% APY
  • CIBC Bank USA - 4.11% APY
  • CIT Bank - 0.25-4.00% APY
  • Citibank - 3.60% APY
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  • Colorado Federal Savings Bank - 4.25% APY
  • ConnectOne Bank - 4.00% APY
  • Customers Bank - 4.23% APY
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  • E*TRADE from Morgan Stanley - 4.00% APY
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  • Live Oak Bank - 4.10% APY
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  • MySavingsDirect - 3.75% APY
  • Neighbors Bank - 4.60% APY
  • Newtek Bank - 4.35% APY
  • OMB Bank - 1.00% APY
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  • Presidential Bank - 4.00-4.50% APY
  • Prime Alliance Bank - 4.05% APY
  • Primis Bank - 4.35% APY
  • Quontic Bank - 3.85% APY
  • RBMAX - 4.15% APY
  • Rising Bank - 4.30% APY
  • ROGER - 4.65% APY
  • Salem Five Direct - 4.01% APY
  • Sallie Mae Bank - 3.90% APY
  • Santander Bank - 0.03% APY
  • SoFi Bank - 3.80% APY
  • Synchrony Bank - 3.80% APY
  • TAB Bank - 4.26% APY
  • TD Bank - 0.05-3.00% APY
  • The State Exchange Bank - 1.90% APY
  • TIMBR - 4.40% APY
  • UFB Direct - 4.01-4.21% APY
  • Upgrade - 4.02% APY
  • Valley Direct - 4.20% APY
  • Varo Bank - 2.50-5.00% APY
  • Western Alliance Bank - 4.30% APY
  • Zynlo Bank - 4.35% APY
FeatureFVCbankSelect a bank...
ProductAdvantage Direct SavingsN/A
APY
4.35% (as of 6/20/2025)N/A
Bundled Account
NoN/A
FDIC-insured
YesN/A
Online OnlyYesN/A
Compound Frequency
N/AN/A
Minimum Deposit$500N/A
Minimum Balance for APY$500N/A
Maintenance Fee$0N/A
Direct Deposit Required
NoN/A