Capital One vs. FVCbank
Compare rates, requirements, and features side-by-side to find the best option for you.
Capital One
360 Performance Savings
3.40%APYDec 6, 2025FDIC InsuredNo MinimumsGreat iOS AppGreat Android AppIn-Person AccessShow Fine Print & Trends Hide Details
Capital One
360 Performance 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 Capital One vs. FVCbank
Why Capital One?
- ✓Physical branch access (Over 200 branches in Louisiana, Maryland, New Jersey, New York, Texas, Virginia and Washington, D.C.)
- ✓Higher rated iOS app (4.9 vs 4.4)
- ✓Higher rated Android app (4.5 vs 3.6)
Why FVCbank?
- ✓Higher potential APY (3.85% vs 3.40%) on all balances
— Key Feature Differences —
Better Returns at $10,000
FVCbankFVCbank's Advantage Direct Savings earns more on smaller deposits (approx. $385 vs $340/yr).
Better Returns at $25,000
FVCbankFVCbank's Advantage Direct Savings pulls ahead with larger amounts (approx. $963 vs $850/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
Capital OneCapital One offers an iOS app rated 4.9 (vs. 4.4) and Android app rated 4.5 (vs. 3.6)
Shared Benefits
Over a 1-year period, FVCbank's Advantage Direct Savings pays $45 more interest on a $10,000 balance than Capital One's 360 Performance Savings.
Executive Summary
FVCbank offers the Advantage Direct Savings account with a competitive APY of 3.85%, making it the clear winner in this comparison. This online-only account requires a minimum deposit and balance of $500, but it boasts no maintenance fees or direct deposit requirements, providing a straightforward savings option. In contrast, Capital One's 360 Performance Savings account offers a lower APY of 3.40%, but it does not have a minimum deposit or balance requirement, which may appeal to some users. Both banks are FDIC insured and provide user-friendly features.
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 Capital One and FVCbank.
| Feature | Capital One | FVCbank |
|---|---|---|
| APY | 3.40% Verified: 12/6/2025 ↘︎ 0.10%90d Change | 3.85% Verified: 12/6/2025 ↘︎ 0.50%90d Change |
| Product Name | 360 Performance Savings | Advantage Direct Savings |
| Minimum Deposit | $0 | $500 |
| Min. Balance for APY | $0 | $500 |
| Monthly Fee | $0 | $0 |
| Branch Access | Yes | None |
| Account Type | Online & Branches | Online Only |
| Direct Deposit Req. | None | None |
| Checking Bundle | No | No |
| Mobile Apps | iOS4.9 Android4.5 | iOS4.4 Android3.6 |
| BBB Rating | A+ | B- |
| Next Steps |
Savings Comparison
FVCbank earns $287.5 more than Capital One.
Capital One
360 Performance Savings
Savings Breakdown
- Interest Earned+$2,050.50(10.2%)
- Total Contributions$13,000
- Initial Deposit$5,000
Projected Balance
$20,050.50
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 | Capital One | FVCbank |
|---|---|---|
| 360 Performance Savings | Advantage Direct Savings | |
Current APY | 3.40% | 3.85% |
Trend | Stable | Stable |
Velocity (bps/mo) | -3.3 | -8.3 |
Days Since Change | 66 | 35 |
9-Month High | 3.70% | 4.55% |
9-Month Low | 3.40% | 3.85% |
Adjustments / Mo | 0.34 | 0.92 |
Volatility Score | 0.026 | 0.056 |
How to read these metrics(Click to expand)
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