High-Yield Savings Account Comparison

Affirm vs. FVCbank

Compare rates, requirements, and features side-by-side to find the best option for you.

Analysis by Aviel Fahl
Updated December 10, 2025

Affirm

Affirm Money Account

3.60%
APY
Dec 10, 2025
FDIC InsuredNo MinimumsGreat iOS AppGreat Android App
Show Fine Print & Trends
Min. Deposit$0
Min. Balance$0
Maintenance Fee$0
Compound FreqDaily
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 58410)
EligibilityUnited States
Mobile Ratings
iOS:4.9Android:4.8
BBB Rating
A+(BBB Accredited)

Important Note

While Affirm is not a bank, it is FDIC-insured through partner Cross River Bank.

Rate Stability

Rate Adjusted
-0.25%
Since 90 days ago
Read Bank Overview

FVCbank

Advantage Direct Savings

3.85%
APY
Dec 10, 2025
FDIC InsuredLow MinimumsGreat iOS App
Show Fine Print & Trends
Min. Deposit$500
Min. Balance$500
Maintenance Fee$0
Compound FreqN/A
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 58696)
EligibilityUnited States
Mobile Ratings
iOS:4.4Android:3.6
BBB Rating
B-(Not BBB Accredited)

Rate Stability

Rate Adjusted
-0.50%
Since 90 days ago
Read Bank Overview

Market Reality Check

Both of these banks offer rates below the current top tier. The best rates we track are currently above 4.25% APY.

See Top Rates

Affirm vs. FVCbank Savings Calculator

Calculations based on current APY for Affirm Money Account and Advantage Direct Savings
$
$

FVCbank earns $160.2 more than Affirm.

Affirm

Affirm Money Account

3.60% APY

Savings Breakdown

  • Interest Earned
    +$2,177.80(10.8%)
  • Total Contributions
    $13,000
  • Initial Deposit
    $5,000

Projected Balance

$20,177.80

Effective APY
3.60%
View Details

FVCbank

Advantage Direct Savings

3.85% APY

Savings Breakdown

  • Interest Earned
    +$2,338.00(11.5%)
  • Total Contributions
    $13,000
  • Initial Deposit
    $5,000

Projected Balance

$20,338.00

Effective APY
3.85%
View Details

The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.

Comparison Analysis

Comparing Affirm vs. FVCbank

Updated: Dec 10, 2025

Why Affirm?

  • ✓Higher rated iOS app (4.9 vs 4.4)
  • ✓Higher rated Android app (4.8 vs 3.6)

Why FVCbank?

  • ✓Higher potential APY (3.85% vs 3.60%) on all balances

— Key Feature Differences —

Better Returns at $10,000
FVCbank

FVCbank's Advantage Direct Savings earns more on smaller deposits (approx. $385 vs $360/yr).

Better Returns at $25,000
FVCbank

FVCbank's Advantage Direct Savings pulls ahead with larger amounts (approx. $963 vs $900/yr).

Best for Simplicity
FVCbank

FVCbank's Advantage Direct Savings offers 3.85% APY with no bundling, direct deposit requirement or caps.

Best Mobile App Experience
Affirm

Affirm offers an iOS app rated 4.9 (vs. 4.4) and Android app rated 4.8 (vs. 3.6)

Shared Benefits

Both offer monthly maintenance-free account options Available Nationwide Available to New & Existing Customers
The Bottom Line on APY (Interest Only)

Over a 1-year period, FVCbank's Advantage Direct Savings pays $25 more interest on a $10,000 balance than Affirm's Affirm Money Account.

*This calculation assumes current rates remain consistent for 1 year and does not include temporary bonuses.

AffirmFVCbank
Automated Data Audit

Executive Summary

FVCbank offers the Advantage Direct Savings account with a competitive APY of 3.85%, making it the higher-yield option compared to Affirm's Money Account, which provides an APY of 3.60%. Both accounts are online-only and do not require direct deposit. However, FVCbank requires a minimum deposit and balance of $500, while Affirm has no minimum deposit or balance requirements. Additionally, FVCbank's account is noted for better returns, especially at higher deposit amounts, and it has no maintenance fees. Affirm, while not a bank, is FDIC-insured through Cross River Bank and is recognized for its excellent mobile app experience.

Analysis generated based on current Banksparency database records

* AI-generated content provided for informational purposes only. Accuracy is not guaranteed; always verify details with the provider.

ExploreAffirmExploreFVCbank

Top Market Contenders

See who beats both Affirm and FVCbank.

Compare All High-Yield Savings Accounts
Pibank
Pibank Savings
FDIC InsuredNo Minimums
4.60% APY
+0.75% vs FVCbank
Better Rate
Pibank vs AffirmPibank vs FVCbank
Axos Bank
Axos ONE
FDIC InsuredNo MinimumsGreat iOS AppGreat Android App
4.31% APY
+0.46% vs FVCbank
Better Rate
Axos Bank vs AffirmAxos Bank vs FVCbank
TIMBR
Premium Savings Account
FDIC InsuredLow Minimums
4.40% APY
+0.55% vs FVCbank
Better Rate
TIMBR vs AffirmTIMBR vs FVCbank
FeatureAffirmFVCbank
APY
3.60%
Verified: 12/10/2025
↘︎ 0.25%90d Change
3.85%
Verified: 12/10/2025
↘︎ 0.50%90d Change
Product NameAffirm Money AccountAdvantage Direct Savings
Minimum Deposit$0$500
Min. Balance for APY$0$500
Monthly Fee$0$0
Branch AccessNoneNone
Account Type
Online Only
Online Only
Direct Deposit Req.NoneNone
Checking BundleNoNo
Mobile Apps
iOS4.9
Android4.8
iOS4.4
Android3.6
BBB RatingA+B-
Important NotesWhile Affirm is not a bank, it is FDIC-insured through partner Cross River Bank.-
Next Steps
- View Details
- View Details

📈 Compare Savings Rates Over Time

Historical Performance

Last 9 Months Analysis
MetricAffirmFVCbank
Affirm Money AccountAdvantage Direct Savings
Current APY
3.60%3.85%
Trend
 Stable Stable
Velocity (bps/mo)
-3.6-8.4
Days Since Change
7539
9-Month High
3.85%4.55%
9-Month Low
3.60%3.85%
Adjustments / Mo
0.110.90
Volatility Score
0.0310.057
How to read these metrics(Click to expand)

Trends & Velocity

  • Trend: The general direction of the rate over the analyzed period. Useful for spotting if a bank is currently aggressive or pulling back.
  • Velocity (bps/mo): Speed of change. A high positive number means they raise rates quickly. 10 bps = 0.10%.
  • Adjustments/Mo: "Twitchiness." High frequency means the rate changes constantly; low frequency means it's stable.

Risk & Range

  • High/Low: The absolute ceiling and floor of the rate during the 267-day window.
  • Volatility Score: Lower is better for predictability. It indicates how wildly the rate swings relative to its average.
  • Days Since Change: If this number is high (e.g., >90), the rate is very sticky. If low, it changed recently.

Compare Similar High-Yield Accounts

Compare Affirm vs...

Comparing against Standard Savings

vs Affirm
PibankNo Bundle Req
4.60%
APY
vs Affirm
TIMBRNo Bundle Req
4.40%
APY
vs Affirm
Newtek BankNo Bundle Req
4.35%
APY

Compare FVCbank vs...

Comparing against Standard Savings

vs FVCbank
PibankNo Bundle Req
4.60%
APY
vs FVCbank
TIMBRNo Bundle Req
4.40%
APY
vs FVCbank
Newtek BankNo Bundle Req
4.35%
APY

Higher Rates (With Checking)

Looking for something different? Check out these top-rated alternatives.

Checking Bundle
Axos Bank View Details
4.31%
APY
Checking Bundle
SoFi Bank View Details
4.30%
APY
Checking Bundle
Presidential Bank View Details
4.00%
APY

More Comparisons

Compare Affirm's APY of 3.60% with other banks
Bank PairCompetitor APYMin Deposit
Affirm vs Ally Bank3.30%$0
Affirm vs American Express3.40%$0
Affirm vs Axos Bank4.31%$0
Affirm vs Bank of America0.01%$100
Affirm vs Barclays4.00%$0
Affirm vs Bask Bank3.90%$0
Affirm vs Betterment3.50%$10
Affirm vs BMO Alto3.25%$0
Affirm vs Bread Savings4.10%$100
Affirm vs BrioDirect4.00%$5,000
Affirm vs Capital One3.40%$0
Affirm vs Charles Schwab Bank0.15%$0
Affirm vs Chase Bank0.01%$0
Affirm vs Chime3.50%$0
Affirm vs CIT Bank3.75%$100
Affirm vs Citibank3.30%$0
Affirm vs Citizens Access™3.15%$0.01
Affirm vs Climate First Bank4.21%$50
Affirm vs Discover Bank3.40%$0
Affirm vs E*TRADE from Morgan Stanley3.75%$0
Affirm vs Elevault4.08%$0
Affirm vs EverBank4.05%$0
Affirm vs Fitness Bank4.75%$100
Affirm vs FNBO Direct3.00%$1
Affirm vs Forbright Bank4.00%$0
Affirm vs GO2bank4.50%$0
Affirm vs Ivy Bank4.25%$2,500
Affirm vs LendingClub4.20%$0
Affirm vs Marcus by Goldman Sachs3.65%$0
Affirm vs Neighbors Bank4.30%$0
Affirm vs Newtek Bank4.35%$0.01
Affirm vs Openbank4.20%$500
Affirm vs Peak Bank4.20%$100
Affirm vs Pibank4.60%$0
Affirm vs PNC3.53%$0
Affirm vs Presidential Bank4.00%$5,000
Affirm vs Quontic Bank3.75%$100
Affirm vs Salem Five Direct3.71%$10
Affirm vs Sallie Mae Bank3.90%$0
Affirm vs Santander Bank0.01%$25
Affirm vs SoFi Bank4.30%$0
Affirm vs Synchrony Bank3.65%$0
Affirm vs TD Bank2.75%$0
Affirm vs TIMBR4.40%$1,000
Affirm vs UFB Direct3.71%$5000
Affirm vs Upgrade3.05%$0
Affirm vs Valley Direct4.10%$1,000
Affirm vs Varo Bank5.00%$0
Affirm vs Vio Bank4.16%$100
Affirm vs Wealthfront4.15%$0
Affirm vs Wells Fargo0.05%$25
Affirm vs Zynlo Bank4.05%$10
Compare FVCbank's APY of 3.85% with other banks
Bank PairCompetitor APYMin Deposit
FVCbank vs Ally Bank3.30%$0
FVCbank vs American Express3.40%$0
FVCbank vs Axos Bank4.31%$0
FVCbank vs Bank of America0.01%$100
FVCbank vs Barclays4.00%$0
FVCbank vs Bask Bank3.90%$0
FVCbank vs Betterment3.50%$10
FVCbank vs BMO Alto3.25%$0
FVCbank vs Bread Savings4.10%$100
FVCbank vs BrioDirect4.00%$5,000
FVCbank vs Capital One3.40%$0
FVCbank vs Charles Schwab Bank0.15%$0
FVCbank vs Chase Bank0.01%$0
FVCbank vs Chime3.50%$0
FVCbank vs CIT Bank3.75%$100
FVCbank vs Citibank3.30%$0
FVCbank vs Citizens Access™3.15%$0.01
FVCbank vs Climate First Bank4.21%$50
FVCbank vs Discover Bank3.40%$0
FVCbank vs E*TRADE from Morgan Stanley3.75%$0
FVCbank vs Elevault4.08%$0
FVCbank vs EverBank4.05%$0
FVCbank vs Fitness Bank4.75%$100
FVCbank vs FNBO Direct3.00%$1
FVCbank vs Forbright Bank4.00%$0
FVCbank vs GO2bank4.50%$0
FVCbank vs Ivy Bank4.25%$2,500
FVCbank vs LendingClub4.20%$0
FVCbank vs Marcus by Goldman Sachs3.65%$0
FVCbank vs Neighbors Bank4.30%$0
FVCbank vs Newtek Bank4.35%$0.01
FVCbank vs Openbank4.20%$500
FVCbank vs Peak Bank4.20%$100
FVCbank vs Pibank4.60%$0
FVCbank vs PNC3.53%$0
FVCbank vs Presidential Bank4.00%$5,000
FVCbank vs Quontic Bank3.75%$100
FVCbank vs Salem Five Direct3.71%$10
FVCbank vs Sallie Mae Bank3.90%$0
FVCbank vs Santander Bank0.01%$25
FVCbank vs SoFi Bank4.30%$0
FVCbank vs Synchrony Bank3.65%$0
FVCbank vs TD Bank2.75%$0
FVCbank vs TIMBR4.40%$1,000
FVCbank vs UFB Direct3.71%$5000
FVCbank vs Upgrade3.05%$0
FVCbank vs Valley Direct4.10%$1,000
FVCbank vs Varo Bank5.00%$0
FVCbank vs Vio Bank4.16%$100
FVCbank vs Wealthfront4.15%$0
FVCbank vs Wells Fargo0.05%$25
FVCbank vs Zynlo Bank4.05%$10