Briodirect vs. Fvcbank
High-Yield Savings Account Comparison
By Aviel Fahl|Last Updated: October 21, 2025
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Summary of BrioDirect vs. FVCbank
Key Metrics at a Glance
| Feature | BrioDirect | FVCbank |
|---|---|---|
| Top Savings APY | 4.20% High-Yield Savings Account | 4.10% Advantage Direct Savings |
| Minimum to Open | $5,000 | $500 |
| Minimum Balance for Top APY | $25 | $500 |
BrioDirect
Strengths
- BrioDirect offers a higher APY of 4.20% compared to FVCbank's 4.10%.
- BrioDirect has a higher App Store rating of 4.7 versus FVCbank's 4.4.
- No maintenance fees for BrioDirect's High-Yield Savings Account.
Potential Drawbacks
- BrioDirect has a lower BBB rating of B- and is not BBB Accredited.
- BrioDirect's APY decreased from 4.30% to 4.20% in the last 30 days.
- BrioDirect requires a higher minimum deposit of $5,000.
FVCbank
Strengths
- FVCbank has an excellent BBB rating of A+.
- FVCbank's Advantage Direct Savings account has a lower minimum deposit of $500.
- FVCbank's APY is still competitive at 4.10%.
Potential Drawbacks
- FVCbank's APY decreased from 4.45% to 4.10% in the last 30 days.
- FVCbank has a lower Google Play rating of 3.6 compared to BrioDirect's 4.3.
- FVCbank has no branches available for in-person banking.
→ As of October 21, 2025 BrioDirect offers an APY of 4.20% for its High-Yield Savings Account, with a minimum balance of $25, compared to FVCbank's 4.10% APY for its Advantage Direct Savings account, with a minimum balance of $500.
→ BrioDirect yields $10 more than FVCbank on a $10,000 balance after one year. BrioDirect pays $420, while FVCbank pays $410 - an APY advantage for BrioDirect.
Calculate Savings Growth for BrioDirect vs FVCbank
BrioDirect - High-Yield Savings Account
Total savings breakdown:
- Interest earned: $2,564.3 (12.47%)
- Total contributions: $13,000 (63.22%)
- Initial deposit: $5,000 (24.31%)
Your total balance
$20,564.30
Total balance: $20,564.3
Earnings: $2,564.3
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, BrioDirect's total earnings would be $64.9 higher than FVCbank's total earnings.
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
Compare BrioDirect's vs FVCbank's Savings Accounts
| BrioDirect | FVCbank | ||
|---|---|---|---|
| Product | High-Yield Savings Account | vs | Advantage Direct Savings |
| APY | 4.20% (as of 10/21/2025) | 4.10% (as of 10/21/2025) | |
| Bundled Account | No | No | |
| FDIC-insured | Yes | Yes | |
| Online Only | Yes | Yes | |
| Compound Frequency | Daily | N/A | |
| Minimum Deposit | $5,000 | $500 | |
| Minimum Balance for APY | $25 | $500 | |
| Maintenance Fee | $0 | $0 | |
| Direct Deposit Required | No | No | |
| App Store Rating | 4.7/5 | 4.4/5 | |
| Google Play Rating | 4.3/5 | 3.6/5 | |
| BBB Rating | B- | A+ |
Comparative Historical APY Insights (Last 7 Months)
| BrioDirect | FVCbank | ||
|---|---|---|---|
| Product | High-Yield Savings Account | vs | Advantage Direct Savings |
| Latest APY | 4.20 % | 4.10 % | |
| Trend | Sideways | Falling | |
| Slope (bps/mo) | -3.2 | -5.6 | |
| Rate Changes / Mo | 0.56 | 0.97 | |
| Days Since Last Change | 14 | 27 | |
| High (-7 m) | 4.50 % | 4.55 % | |
| Low (-7 m) | 4.20 % | 4.10 % | |
| Draw-down from High | -6.7 % | -9.9 % | |
| Volatility (CV) | 0.019 | 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.