Chase Bank vs. FVCbank
Compare rates, requirements, and features side-by-side to find the best option for you.
Chase Bank
Chase Savings℠
0.01%APYDec 6, 2025FDIC InsuredNo MinimumsGreat iOS AppGreat Android AppIn-Person AccessShow Fine Print & Trends Hide Details
Chase Bank
Chase 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 Chase Bank vs. FVCbank
Why Chase Bank?
- ✓Higher rated iOS app (4.8 vs 4.4)
- ✓Higher rated Android app (4.6 vs 3.6)
Why FVCbank?
- ✓Higher potential APY (3.85% vs 0.01%) on all balances
- ✓No checking account or direct deposit required
— Key Feature Differences —
Better Returns at $10,000
FVCbankFVCbank's Advantage Direct Savings earns more on smaller deposits (approx. $385 vs $1/yr).
Better Returns at $25,000
FVCbankFVCbank's Advantage Direct Savings pulls ahead with larger amounts (approx. $963 vs $3/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
Chase BankChase Bank offers an iOS app rated 4.8 (vs. 4.4) and Android app rated 4.6 (vs. 3.6)
Shared Benefits
Over a 1-year period, FVCbank's Advantage Direct Savings pays $384 more interest on a $10,000 balance than Chase Bank's Chase Savings℠.
Executive Summary
FVCbank offers the Advantage Direct Savings account with a competitive APY of 3.85%, making it the clear winner compared to Chase Bank's Chase Savings℠, which has a significantly lower APY of 0.01%. FVCbank's account requires a minimum deposit and balance of $500 but has no maintenance fees, while Chase Bank's account has a $5 maintenance fee unless certain conditions are met. Additionally, FVCbank's product is online-only, providing a straightforward savings option without direct deposit requirements or caps. In contrast, Chase Bank is noted for its superior mobile app experience.
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 Chase Bank and FVCbank.
| Feature | Chase Bank | FVCbank |
|---|---|---|
| APY | 0.01% Verified: 12/6/2025 Stable (90d) | 3.85% Verified: 12/6/2025 ↘︎ 0.50%90d Change |
| Product Name | Chase Savings℠ | Advantage Direct Savings |
| Minimum Deposit | $0 | $500 |
| Min. Balance for APY | $0 | $500 |
| Monthly Fee | $5 | $0 |
| Branch Access | Yes | None |
| Account Type | Online & Branches | Online Only |
| Direct Deposit Req. | None | None |
| Checking Bundle | No | No |
| Mobile Apps | iOS4.8 Android4.6 | iOS4.4 Android3.6 |
| BBB Rating | A- | B- |
| Important Notes | APY may vary by market. The maintenance fee may be waived under some circumstances, such as if the account balance is maintained with at least $300 each day, or you set up automatic transfers from a linked Chase account, etc. | - |
| Next Steps |
Savings Comparison
FVCbank earns $2,332.3 more than Chase Bank.
Chase Bank
Chase Savings℠
Savings Breakdown
- Interest Earned+$5.70(0.0%)
- Total Contributions$13,000
- Initial Deposit$5,000
Projected Balance
$18,005.70
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 | Chase Bank | FVCbank |
|---|---|---|
| Chase Savings℠ | Advantage Direct Savings | |
Current APY | 0.01% | 3.85% |
Trend | Stable | Stable |
Velocity (bps/mo) | -0.0 | -8.3 |
Days Since Change | 261 | 35 |
9-Month High | 0.01% | 4.55% |
9-Month Low | 0.01% | 3.85% |
Adjustments / Mo | 0.00 | 0.92 |
Volatility Score | 0.000 | 0.056 |
How to read these metrics(Click to expand)
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