Barclays vs. FVCbank
Compare rates, requirements, and features side-by-side to find the best option for you.
Barclays
Tiered Savings
Up to4.00%APYDec 6, 2025FDIC InsuredHigh MinimumGreat iOS AppGreat Android AppRange: 3.85% – 4.00%Show Fine Print & Trends Hide Details
Barclays
Tiered Savings
FVCbank
Advantage Direct Savings
3.85%APYDec 6, 2025FDIC InsuredLow MinimumsGreat iOS AppShow Fine Print & Trends Hide Details
FVCbank
Advantage Direct Savings
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.
Comparison Analysis
Comparing Barclays vs. FVCbank
Why Barclays?
- ✓Higher potential APY (3.60%-4.00% vs 3.85%)
- ✓Higher rated iOS app (4.9 vs 4.4)
- ✓Higher rated Android app (4.7 vs 3.6)
- ✓Offers 2 different high-yield savings options
Why FVCbank?
No distinct advantages found vs Barclays.
— Key Feature Differences —
Best for Simplicity
FVCbankFVCbank's Advantage Direct Savings offers 3.85% APY with no bundling, direct deposit requirement or caps.
Best Mobile App Experience
BarclaysBarclays offers an iOS app rated 4.9 (vs. 4.4) and Android app rated 4.7 (vs. 3.6)
Shared Benefits
Executive Summary
Barclays offers a competitive Online Savings account with an APY of 3.60% and a Tiered Savings account that provides a higher APY of 4.00% for balances over $250,000, making it the winner in this comparison. However, for lower balances, the Tiered Savings account yields 3.85%. FVCbank's Advantage Direct Savings account offers an APY of 3.85% with no minimum balance requirement, making it a simple alternative. Both banks are online-only and have no maintenance fees, but Barclays' Tiered Savings account requires a higher minimum balance to achieve its top rate.
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 Barclays and FVCbank.
| Feature | Barclays | FVCbank |
|---|---|---|
| APY | 4.00% Range: 3.85% - 4.00% Verified: 12/6/2025 ↘︎ 0.10%90d Change | 3.85% Verified: 12/6/2025 ↘︎ 0.50%90d Change |
| Product Name | Tiered Savings | Advantage Direct Savings |
| Minimum Deposit | $0 | $500 |
| Min. Balance for APY | $250,000 | $500 |
| Monthly Fee | $0 | $0 |
| Branch Access | None | None |
| Account Type | Online Only | Online Only |
| Direct Deposit Req. | None | None |
| Checking Bundle | No | No |
| Mobile Apps | iOS4.9 Android4.7 | iOS4.4 Android3.6 |
| BBB Rating | A+ | B- |
| Important Notes | The 4.00% APY is only available for balances over $250,000. For lower balances, the APY is 3.85%. | - |
| Next Steps |
Savings Comparison
Both accounts earn exactly the same amount.
Barclays
Tiered Savings
Savings Breakdown
- Interest Earned+$2,338.00(11.5%)
- Total Contributions$13,000
- Initial Deposit$5,000
Projected Balance
$20,338.00
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 | Barclays | FVCbank | |
|---|---|---|---|
| Online Savings | Tiered Savings | Advantage Direct Savings | |
Current APY | 3.60% | 4.00% | 3.85% |
Trend | Stable | Stable | Stable |
Velocity (bps/mo) | -2.3 | -3.7 | -8.3 |
Days Since Change | 10 | 17 | 35 |
9-Month High | 3.90% | 4.40% | 4.55% |
9-Month Low | 3.60% | 4.00% | 3.85% |
Adjustments / Mo | 0.57 | 0.69 | 0.92 |
Volatility Score | 0.019 | 0.027 | 0.056 |
How to read these metrics(Click to expand)
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