FVCbank: Savings Accounts & Rates

Savings rates updated: 10/6/2025

Mission statement: Banksparency aims to make FVCbank's savings accounts transparent and comparable to those of other banks. Learn more about Banksparency.

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

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Savings Overview

Advantage Direct Savings: 4.10% APY(Rank 28 out of 83 tracked HYSAs)

Minimum Deposit: $500 | Online Only

National Savings Interest Rate: 0.4% (as of 9/15/2025)

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

(Source: FDIC)

Bank Overview

Location: Fairfax, Virginia

Founded: 2007

Deposit Insurance: FDIC Cert # 58696

BBB Rating: A+

App Store Rating: 4.4/5

Google Play Rating: 3.4/5

Website: Visit FVCbank

Our Take on FVCbank

Highlights

Current APY of 4.10%, down from 4.35% last month
No maintenance fees for the Advantage Direct Savings account
A+ BBB rating indicates strong trustworthiness
App Store rating of 4.4 shows good customer satisfaction

Considerations

Minimum deposit and balance requirement of $500
Online-only account may limit access for some users
Google Play rating of 3.4 suggests mixed user experiences
No direct deposit requirement may restrict some account features

Summary: FVCbank offers a competitive APY of 4.10% for its Advantage Direct Savings account, though it has decreased from 4.35% in the past month. The bank has an A+ BBB rating and no maintenance fees, making it a trustworthy choice. However, the $500 minimum deposit and balance requirement may deter some savers. Additionally, its online-only nature and mixed app ratings could impact user experience.

Savings Account: In-Depth View

Savings Account Offered by FVCbank

Feature	Advantage Direct Savings
APY	4.10% (as of 10/6/2025)
APY Trend	-0.25% 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
Sponsored Link
No deposit agreement summary available for this bank.

Calculate Savings for FVCbank

All calculations are based on APY.

Savings Product:

Advantage Direct Savings (APY: 4.10%)

Initial Deposit:

Recurring Deposit Amount:

Deposit Frequency:

Duration:

Total savings breakdown:

Interest earned: $1,609.3 (10.31%)
Total contributions: $13,000 (83.28%)
Initial deposit: $1,000 (6.41%)

Your total balance

$15,609.30

Effective APY: 4.10% (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	4.10 %
Trend	Sideways
Slope (bps/mo)	-4.9
Rate Changes / Mo	1.04
Days Since Last Change	12
High (-7 m)	4.55 %
Low (-7 m)	4.10 %
Draw-down from High	-9.9 %
Volatility (CV)	0.025

APY Insights Glossary

Latest APY: Most recent advertised annual-percentage yield.
Trend: Direction over the last 7 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 (-7 m): Highest APY in the last 202 days.
Low (-7 m): Lowest APY in the last 202 days.
Draw-down from High: How far today sits below the 7-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

Affirm - 3.60% APY
All America Bank - 1.50-3.25% APY
Ally Bank - 3.40% APY
Amalgamated Bank - 2.25% APY
American Express - 3.50% APY
Ameriprise Bank - 3.15-3.15% APY
Axos Bank - 4.51% APY
Bank5 Connect - 4.05% APY
Bank of America - 0.01% APY
Barclays - 3.90-4.10% APY
Bask Bank - 4.05% APY
Betterment - 3.75% APY
BMO Alto - 3.25% APY
Bread Savings - 4.25% APY
BrioDirect - 4.30% APY
Capital One - 3.40% 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 - 3.92% APY
CIT Bank - 0.25-3.85% APY
Citibank - 3.40% APY
Citizens Access™ - 3.50% APY
Colorado Federal Savings Bank - 4.15% APY
ConnectOne Bank - 3.85% APY
Customers Bank - 3.98% APY
Discover Bank - 3.40% APY
Elevault - 4.34% APY
E*TRADE from Morgan Stanley - 3.75% APY
EverBank - 4.05% APY
Evergreen Bank Group - 4.25% APY
First Foundation Bank - 4.10% APY
Fitness Bank - 4.75% APY
Flagstar Bank - 3.90% APY
FNBO Direct - 3.00% APY
Forbright Bank - 4.25% APY
GO2bank - 4.50% APY
High Plains Bank - 0.23-3.82% APY
Jenius Bank - 4.20% APY
LendingClub - 3.20-4.20% APY
Live Oak Bank - 4.00% APY
Marcus by Goldman Sachs - 3.65% APY
MutualOne Bank - 4.07% APY
My Banking Direct - 4.20% APY
MySavingsDirect - 3.75% APY
Neighbors Bank - 4.60% APY
Newtek Bank - 4.35% APY
OMB Bank - 1.00% APY
Openbank - 4.20% APY
Peak Bank - 4.20% APY
Pibank - 4.60% APY
PNC - 3.85% APY
Poppy Bank - 4.25% APY
Popular Direct - 4.05% APY
Presidential Bank - 4.00-4.50% APY
Prime Alliance Bank - 3.90% APY
Primis Bank - 3.85% APY
Quontic Bank - 3.75% APY
RBMAX - 3.90% APY
Rising Bank - 4.10% APY
ROGER - 3.87% APY
Salem Five Direct - 4.01% APY
Sallie Mae Bank - 3.90% APY
Santander Bank - 0.01% APY
SmartyPig - 3.90% APY
SoFi Bank - 4.50% APY
Synchrony Bank - 3.80% APY
TAB Bank - 3.80% APY
TD Bank - 0.05-2.75% APY
The State Exchange Bank - 3.86% APY
TIMBR - 4.40% APY
UFB Direct - 3.76-3.96% APY
Upgrade - 3.42% APY
Valley Direct - 4.10% APY
Varo Bank - 2.50-5.00% APY
Wells Fargo - 0.05-2.51% APY
Western Alliance Bank - 4.10% APY
Zynlo Bank - 4.35% APY

Feature	FVCbank	Select a bank...
Product	Advantage Direct Savings	N/A
APY	4.10% (as of 10/6/2025)	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 4.10% with other banks

Bank Pair	Competitor APY	Min Deposit
FVCbank vs Ally Bank	3.40%	$0
FVCbank vs American Express	3.50%	$0
FVCbank vs Axos Bank	4.51%	$0
FVCbank vs Bank of America	0.01%	$100
FVCbank vs Barclays	4.10%	$0
FVCbank vs BrioDirect	4.30%	$5,000
FVCbank vs Capital One	3.40%	$0
FVCbank vs Chase Bank	0.01%	$0
FVCbank vs Chime	3.75%	$0
FVCbank vs CIT Bank	3.85%	$100
FVCbank vs Discover Bank	3.40%	$0
FVCbank vs Elevault	4.34%	$0
FVCbank vs EverBank	4.05%	$0
FVCbank vs Fitness Bank	4.75%	$100
FVCbank vs GO2bank	4.50%	$0
FVCbank vs Marcus by Goldman Sachs	3.65%	$0
FVCbank vs Neighbors Bank	4.60%	$0
FVCbank vs Newtek Bank	4.35%	$0
FVCbank vs Peak Bank	4.20%	$100
FVCbank vs Pibank	4.60%	$0
FVCbank vs Presidential Bank	4.50%	$5,000
FVCbank vs Santander Bank	0.01%	$25
FVCbank vs SoFi Bank	4.50%	$0
FVCbank vs Synchrony Bank	3.80%	$0
FVCbank vs TIMBR	4.40%	$1,000
FVCbank vs UFB Direct	3.96%	$5000
FVCbank vs Varo Bank	5.00%	$0
FVCbank vs Wells Fargo	2.51%	$25
FVCbank vs Zynlo Bank	4.35%	$10