Bread Savings vs. FVCbank
Compare rates, requirements, and features side-by-side to find the best option for you.
Bread Savings
High-Yield Savings Account
4.10%APYDec 10, 2025FDIC InsuredLow MinimumsGreat iOS AppGreat Android AppShow Fine Print & Trends Hide Details
Bread Savings
High-Yield Savings Account
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.
Bread Savings vs. FVCbank Savings Calculator
Bread Savings earns $161.4 more than FVCbank.
Bread Savings
High-Yield Savings Account
Savings Breakdown
- Interest Earned+$2,499.40(12.2%)
- Total Contributions$13,000
- Initial Deposit$5,000
Projected Balance
$20,499.40
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 Bread Savings vs. FVCbank
Why Bread Savings?
- ✓Higher potential APY (4.10% vs 3.85%) on all balances
- ✓Higher rated Android app (4.5 vs 3.6)
Why FVCbank?
No distinct advantages found vs Bread Savings.
— Key Feature Differences —
Better Returns at $10,000
Bread SavingsBread Savings's High-Yield Savings Account earns more on smaller deposits (approx. $410 vs $385/yr).
Better Returns at $25,000
Bread SavingsBread Savings's High-Yield Savings Account pulls ahead with larger amounts (approx. $1025 vs $963/yr).
Best for Simplicity
Bread SavingsBread Savings's High-Yield Savings Account offers 4.10% APY with no bundling, direct deposit requirement or caps.
Best Mobile App Experience
Bread SavingsBread Savings offers an iOS app rated 4.7 (vs. 4.4) and Android app rated 4.5 (vs. 3.6)
Shared Benefits
Over a 1-year period, Bread Savings's High-Yield Savings Account pays $25 more interest on a $10,000 balance than FVCbank's Advantage Direct Savings.
*This calculation assumes current rates remain consistent for 1 year and does not include temporary bonuses.
Executive Summary
Bread Savings offers a High-Yield Savings Account with a competitive APY of 4.10%, making it the superior choice compared to FVCbank's Advantage Direct Savings, which provides an APY of 3.85%. Bread Savings stands out for its simplicity, requiring no direct deposit and no maintenance fees, with a minimum deposit of just $100. In contrast, FVCbank's account has a higher minimum deposit requirement of $500. Both accounts are online-only and FDIC insured, but Bread Savings's higher APY and lower entry barrier position it as the better option.
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 Bread Savings and FVCbank.
| Feature | Bread Savings | FVCbank |
|---|---|---|
| APY | 4.10% Verified: 12/10/2025 ↘︎ 0.15%90d Change | 3.85% Verified: 12/10/2025 ↘︎ 0.50%90d Change |
| Product Name | High-Yield Savings Account | Advantage Direct Savings |
| Minimum Deposit | $100 | $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 | iOS4.7 Android4.5 | iOS4.4 Android3.6 |
| BBB Rating | A+ | B- |
| Next Steps |
📈 Compare Savings Rates Over Time
Historical Performance
| Metric | Bread Savings | FVCbank |
|---|---|---|
| High-Yield Savings Account | Advantage Direct Savings | |
Current APY | 4.10% | 3.85% |
Trend | Stable | Stable |
Velocity (bps/mo) | -2.7 | -8.4 |
Days Since Change | 5 | 39 |
9-Month High | 4.40% | 4.55% |
9-Month Low | 4.10% | 3.85% |
Adjustments / Mo | 0.67 | 0.90 |
Volatility Score | 0.018 | 0.057 |
How to read these metrics(Click to expand)
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