Axos Bank vs. FVCbank
Compare rates, requirements, and features side-by-side to find the best option for you.
Axos Bank
Axos ONE
4.31%APYDec 6, 2025FDIC InsuredChecking BundleNo MinimumsGreat iOS AppGreat Android AppShow Fine Print & Trends Hide Details
Axos Bank
Axos ONE
FVCbank
Advantage Direct Savings
3.85%APYDec 6, 2025FDIC InsuredLow MinimumsGreat iOS AppShow Fine Print & Trends Hide Details
FVCbank
Advantage Direct Savings
Prefer In-Person Banking?
Both of these banks are online-only. If you need physical branch access, check out our list of high-yield accounts with brick-and-mortar locations.
Comparison Analysis
Comparing Axos Bank vs. FVCbank
Why Axos Bank?
- ✓Earn 0.51% APY on checking account
- ✓Access to 95,000 fee-free ATMs
- ✓Higher potential APY (4.00%-4.31% vs 3.85%) on all balances
- ✓Higher rated Android app (4.6 vs 3.6)
- ✓Offers 2 different high-yield savings options
Why FVCbank?
No distinct advantages found vs Axos Bank.
— Key Feature Differences —
Better Returns at $10,000
Axos BankAxos Bank's Axos ONE earns more on smaller deposits (approx. $431 vs $385/yr).
Better Returns at $25,000
Axos BankAxos Bank's Axos ONE pulls ahead with larger amounts (approx. $1077 vs $963/yr).
Best for All-in-One Banking
Axos BankAxos Bank's Axos ONE pays a superior APY for customers who also open a checking account.
Best Mobile App Experience
Axos BankAxos Bank offers an iOS app rated 4.7 (vs. 4.4) and Android app rated 4.6 (vs. 3.6)
Shared Benefits
Over a 1-year period, Axos Bank's Axos ONE pays $46 more interest on a $10,000 balance than FVCbank's Advantage Direct Savings.
Executive Summary
Axos Bank offers a competitive savings product, the Axos ONE, which provides a high APY of 4.31% when bundled with a checking account, making it an attractive option for customers looking for better returns. This account does not require direct deposit, although setting one up is the easiest way to earn the highest APY. In contrast, FVCbank's Advantage Direct Savings account has a lower APY of 3.85%, with a minimum deposit and balance requirement of $500. While both banks provide online-only services, Axos Bank stands out with its higher APY and additional benefits for those who open a checking account.
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.
Top Market Contenders
See who beats both Axos Bank and FVCbank.
| Feature | Axos Bank | FVCbank |
|---|---|---|
| APY | 4.31% Verified: 12/6/2025 ↘︎ 0.15%90d Change | 3.85% Verified: 12/6/2025 ↘︎ 0.50%90d Change |
| Product Name | Axos ONE | Advantage Direct Savings |
| Minimum Deposit | $0 | $500 |
| Min. Balance for APY | $0 | $500 |
| Monthly Fee | $0 | $0 |
| Branch Access | None | None |
| Account Type | Online Only | Online Only |
| Direct Deposit Req. | None | None |
| Checking Bundle | Yes | No |
| Mobile Apps | iOS4.7 Android4.6 | iOS4.4 Android3.6 |
| BBB Rating | A+ | B- |
| Important Notes | The 4.31% APY is available with the Axos ONE savings and checking bundle. The checking account earns 0.51% APY. To qualify, you must either set up a direct deposit of $1,500 and maintain an average daily balance of more than $1,500 in your ONE Checking account, or receive at least $5,000 in total monthly qualifying deposits and maintain an average daily balance of more than $5,000. | - |
| Next Steps | SponsoredOpen Account |
Savings Comparison
Axos Bank earns $297.9 more than FVCbank.
Axos Bank
Axos ONE
Savings Breakdown
- Interest Earned+$2,635.90(12.8%)
- Total Contributions$13,000
- Initial Deposit$5,000
Projected Balance
$20,635.90
Sponsored Link
FVCbank
Advantage Direct Savings
Savings Breakdown
- Interest Earned+$2,338.00(11.5%)
- Total Contributions$13,000
- Initial Deposit$5,000
Projected Balance
$20,338.00
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
📈 Compare Savings Rates Over Time
Historical Performance
| Metric | Axos Bank | FVCbank | ||
|---|---|---|---|---|
| High Yield Savings | Summit Savings | Axos ONE | Advantage Direct Savings | |
Current APY | 0.61% | 4.00% | 4.31% | 3.85% |
Trend | Stable | Stable | Stable | Stable |
Velocity (bps/mo) | -0.0 | 0.0 | -3.5 | -8.3 |
Days Since Change | 261 | 159 | 4 | 35 |
9-Month High | 0.61% | 4.00% | 4.86% | 4.55% |
9-Month Low | 0.61% | 4.00% | 4.31% | 3.85% |
Adjustments / Mo | 0.00 | 0.00 | 0.46 | 0.92 |
Volatility Score | 0.000 | 0.000 | 0.024 | 0.056 |
How to read these metrics(Click to expand)
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