Carver Bank vs. FVCbank
Compare rates, requirements, and features side-by-side to find the best option for you.
| Metric | Carver BankHigh Yield Savings Jan 7, 2026 | FVCbankAdvantage Direct Savings Jan 7, 2026 |
|---|---|---|
| APY | 4.00% | 3.85% |
Est. Earnings | $5,000+$200 $10,000+$400 $25,000+$1,000 | $5,000+$193 $10,000+$385 $25,000+$963 |
Min Deposit | $5,000 | $500 |
Snapshot view. Rates subject to change. | ||
| Features | FDIC InsuredMod. MinimumGreat iOS AppGreat Android AppZelle® Supported | FDIC InsuredLow MinimumsGreat iOS AppZelle® Supported |
Market Reality Check
Both of these banks offer rates below the current top tier. The best rates we track are currently above 4.21% APY.
Comparison Analysis
Comparing Carver Bank vs. FVCbank
As of Carver Bank offers an APY of 4.00% for its High Yield Savings account, with a minimum balance of $5,000, compared to FVCbank's 3.85% APY for its Advantage Direct Savings account, with a minimum balance of $500.
Carver Bank pays $15 more than FVCbank on a $10,000 balance after one year. Carver Bank pays $400, while FVCbank pays $385 - an APY advantage for Carver Bank.
Why Carver Bank?
- ✓Higher potential APY (4.00% vs 3.85%)
- ✓Higher rated Android app (4.5 vs 3.6)
Why FVCbank?
No distinct advantages found vs Carver Bank.
— Key Feature Differences —
Better Returns at $10,000
Carver BankCarver Bank's High Yield Savings earns more on smaller deposits (approx. $400 vs $385/yr).
Better Returns at $25,000
Carver BankCarver Bank's High Yield Savings pulls ahead with larger amounts (approx. $1000 vs $963/yr).
Best Mobile App Experience
Carver BankCarver Bank 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, Carver Bank's High Yield Savings pays $15 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 as of
Carver Bank offers a High Yield Savings account with a competitive APY of 4.00%, making it the top choice compared to FVCbank's Advantage Direct Savings, which has an APY of 3.85%. Carver Bank's product is particularly advantageous for larger deposits, yielding approximately $400 annually at $10,000 and $1,000 at $25,000. Additionally, it has no maintenance fees as long as the minimum balance of $5,000 is maintained. Both accounts are online-only and do not require direct deposit, but Carver Bank stands out with its superior mobile app experience.
The analysis is based on current Banksparency database records
* This content is provided for informational purposes only; always verify details with the provider.
Non-sponsored link to official site
Non-sponsored link to official site
Top Market Contenders
Carver Bank vs. FVCbank Savings Calculator
You earn $15 more with Carver Bank than FVCbank on a $10,000 initial deposit for 1 year*.
*This calculation assumes that APYs remain unchanged for 1 year, and takes into account known promo rate periods, but does not factor in bonuses. You can see how often these banks have changed their rates in the Compare Savings Rates Over Time section below.
Carver Bank
High Yield Savings
Savings Breakdown
- Interest Earned+$400.00(3.8%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,400.00
FVCbank
Advantage Direct Savings
Savings Breakdown
- Interest Earned+$385.00(3.7%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,385.00
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
| Feature | Carver Bank | FVCbank |
|---|---|---|
| APY | 4.00% Verified: 1/7/2026 Stable (90d) | 3.85% Verified: 1/7/2026 ↘︎ 0.25%90d Change |
| Product Name | High Yield Savings | Advantage Direct Savings |
| Minimum Deposit | $5,000 | $500 |
| Min. Balance for APY | $5,000 | $500 |
| Monthly Fee | $0, of minimum balance requirement met. Otherwise $6. | $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 |
| Zelle® Support | Available Full native integration in digital banking. | Available Integrated into mobile app. |
| BBB Rating | A+ | B- |
| Next Steps | Visit SiteVerify at Carver Bank Non-sponsored link to official site | Visit SiteVerify at FVCbank Non-sponsored link to official site |
📈 Compare Savings Rates Over Time
Historical Performance
| Metric | Carver Bank | FVCbank |
|---|---|---|
| High Yield Savings | Advantage Direct Savings | |
Current APY | 4.00% | 3.85% |
Trend | Stable | Stable |
Velocity (bps/mo) | 0.0 | -8.5 |
Days Since Change | 293 | 67 |
10-Month High | 4.00% | 4.55% |
10-Month Low | 4.00% | 3.85% |
Adjustments / Mo | 0.00 | 0.82 |
Volatility Score | 0.000 | 0.063 |
How to read these metrics(Click to expand)
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High Rates (With Checking Bundle)
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