Betterment vs. FVCbank
Compare rates, requirements, and features side-by-side to find the best option for you.
Betterment
Cash Reserve
3.50%APYDec 10, 2025FDIC InsuredLow MinimumsGreat iOS AppGreat Android AppShow Fine Print & Trends Hide Details
Betterment
Cash Reserve
FVCbank
Advantage Direct Savings
3.85%APYDec 10, 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.
Betterment vs. FVCbank Savings Calculator
FVCbank earns $223.9 more than Betterment.
Betterment
Cash Reserve
Savings Breakdown
- Interest Earned+$2,114.10(10.5%)
- Total Contributions$13,000
- Initial Deposit$5,000
Projected Balance
$20,114.10
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.
Comparison Analysis
Comparing Betterment vs. FVCbank
Why Betterment?
- ✓Higher rated iOS app (4.8 vs 4.4)
- ✓Higher rated Android app (4.7 vs 3.6)
Why FVCbank?
- ✓Higher potential APY (3.85% vs 3.50%) on all balances
— Key Feature Differences —
Better Returns at $10,000
FVCbankFVCbank's Advantage Direct Savings earns more on smaller deposits (approx. $385 vs $350/yr).
Better Returns at $25,000
FVCbankFVCbank's Advantage Direct Savings pulls ahead with larger amounts (approx. $963 vs $875/yr).
Best for Simplicity
FVCbankFVCbank's Advantage Direct Savings offers 3.85% APY with no bundling, direct deposit requirement or caps.
Best Mobile App Experience
BettermentBetterment offers an iOS app rated 4.8 (vs. 4.4) and Android app rated 4.7 (vs. 3.6)
Shared Benefits
Over a 1-year period, FVCbank's Advantage Direct Savings pays $35 more interest on a $10,000 balance than Betterment's Cash Reserve.
*This calculation assumes current rates remain consistent for 1 year and does not include temporary bonuses.
Executive Summary
FVCbank offers a competitive Advantage Direct Savings account with an APY of 3.85%, making it the winner among the two banks. This account is online-only and requires a minimum deposit and balance of $500, but it has no maintenance fees or direct deposit requirements. In comparison, Betterment's Cash Reserve provides a lower APY of 3.50% and is also online-only, with a minimal deposit requirement of just $10 and no maintenance fees. Both banks are FDIC insured, but FVCbank's higher APY makes it the more attractive option for savers.
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 Betterment and FVCbank.
| Feature | Betterment | FVCbank |
|---|---|---|
| APY | 3.50% Verified: 12/10/2025 ↘︎ 0.50%90d Change | 3.85% Verified: 12/10/2025 ↘︎ 0.50%90d Change |
| Product Name | Cash Reserve | Advantage Direct Savings |
| Minimum Deposit | $10 | $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 | No | No |
| Mobile Apps | iOS4.8 Android4.7 | iOS4.4 Android3.6 |
| BBB Rating | A- | B- |
| Next Steps |
📈 Compare Savings Rates Over Time
Historical Performance
| Metric | Betterment | FVCbank |
|---|---|---|
| Cash Reserve | Advantage Direct Savings | |
Current APY | 3.50% | 3.85% |
Trend | Stable | Stable |
Velocity (bps/mo) | -6.1 | -8.4 |
Days Since Change | 39 | 39 |
9-Month High | 4.00% | 4.55% |
9-Month Low | 3.50% | 3.85% |
Adjustments / Mo | 0.22 | 0.90 |
Volatility Score | 0.052 | 0.057 |
How to read these metrics(Click to expand)
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