Barclays vs. Fvcbank
High-Yield Savings Account Comparison
By Aviel Fahl|Last Updated: October 21, 2025
We earn a commission if you open an account through some links on this page.
Summary of Barclays vs. FVCbank
Key Metrics at a Glance
| Feature | Barclays | FVCbank |
|---|---|---|
| Top Savings APY | 4.10% Tiered Savings | 4.10% Advantage Direct Savings |
| Minimum to Open | $0 | $500 |
| Minimum Balance for Top APY | $250,000 | $500 |
| Note | The 4.10% APY is only available for balances over $250,000. For lower balances, the APY is 3.90%. |
Barclays
Strengths
- Barclays offers a Tiered Savings account with a 4.10% APY for balances over $250,000.
- Barclays has a higher App Store rating of 4.8 compared to FVCbank's 4.4.
- Barclays is BBB Accredited with an A+ rating.
Potential Drawbacks
- Barclays requires a $250,000 minimum balance to earn the highest APY.
- Barclays has no physical branches, limiting in-person banking options.
- Barclays' Online Savings account has a lower APY of 3.70%.
FVCbank
Strengths
- FVCbank's Advantage Direct Savings account offers a competitive 4.10% APY.
- FVCbank has a lower minimum deposit requirement of $500 for its savings account.
- FVCbank has no maintenance fees for its savings accounts.
Potential Drawbacks
- FVCbank's APY decreased from 4.45% 30 days ago.
- FVCbank has a lower Google Play rating of 3.6 compared to Barclays' 4.7.
- FVCbank has no BBB Accreditation, despite an A+ rating.
→ As of October 21, 2025 Barclays offers an APY of 4.10% for its Tiered Savings account, with a minimum balance of $250,000, compared to FVCbank's 4.10% APY for its Advantage Direct Savings account, with a minimum balance of $500.
→ FVCbank yields $20 more than Barclays on a $10,000 balance after one year. Barclays pays $390 (with an effective APY of 3.9%), while FVCbank pays $410 - an APY advantage for FVCbank.
→ In addition, Barclays also offers 3.70% APY for the Online Savings account.
Calculate Savings Growth for Barclays vs FVCbank
Barclays - Tiered Savings
⚠️The higher APY only applies once your balance reaches $250,000.
Total savings breakdown:
- Interest earned: $2,370.2 (11.64%)
- Total contributions: $13,000 (63.82%)
- Initial deposit: $5,000 (24.55%)
Your total balance
$20,370.20
Total balance: $20,370.2
Earnings: $2,370.2
Bank OverviewFVCbank - Advantage Direct Savings
Total savings breakdown:
- Interest earned: $2,499.4 (12.19%)
- Total contributions: $13,000 (63.42%)
- Initial deposit: $5,000 (24.39%)
Your total balance
$20,499.40
Total balance: $20,499.4
Earnings: $2,499.4
Bank OverviewWith a $5,000 initial deposit and $13,000 in total contributions over 5 years, Barclays's total earnings would be $129.2 lower than FVCbank's total earnings.
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
Compare Barclays' vs FVCbank's Savings Accounts
| Barclays | FVCbank | |||
|---|---|---|---|---|
| Product | Tiered Savings | Online Savings | vs | Advantage Direct Savings |
| APY | 3.90% - 4.10% (as of 10/21/2025) | 3.70% (as of 10/21/2025) | 4.10% (as of 10/21/2025) | |
| Bundled Account | No | No | No | |
| FDIC-insured | Yes | Yes | Yes | |
| Online Only | Yes | Yes | Yes | |
| Compound Frequency | Daily | Daily | N/A | |
| Minimum Deposit | $0 | $0 | $500 | |
| Minimum Balance for APY | $250,000 | Enough to earn $0.01 in interest | $500 | |
| Maintenance Fee | $0 | $0 | $0 | |
| Direct Deposit Required | No | No | No | |
| Note | The 4.10% APY is only available for balances over $250,000. For lower balances, the APY is 3.90%. | |||
| App Store Rating | 4.8/5 | 4.4/5 | ||
| Google Play Rating | 4.7/5 | 3.6/5 | ||
| BBB Rating | A+ | A+ | ||
Comparative Historical APY Insights (Last 7 Months)
| Barclays | FVCbank | |||
|---|---|---|---|---|
| Product | Online Savings | Tiered Savings | vs | Advantage Direct Savings |
| Latest APY | 3.70 % | 4.10 % | 4.10 % | |
| Trend | Sideways | Sideways | Falling | |
| Slope (bps/mo) | -2.8 | -4.6 | -5.6 | |
| Rate Changes / Mo | 0.56 | 0.69 | 0.97 | |
| Days Since Last Change | 133 | 125 | 27 | |
| High (-7 m) | 3.90 % | 4.40 % | 4.55 % | |
| Low (-7 m) | 3.70 % | 4.10 % | 4.10 % | |
| Draw-down from High | -5.1 % | -6.8 % | -9.9 % | |
| Volatility (CV) | 0.019 | 0.026 | 0.030 | |
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 216 days.
- Low (-7 m)
- Lowest APY in the last 216 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.