High-Yield Savings Account Comparison

Chime vs. FVCbank

Compare rates, requirements, and features side-by-side to find the best option for you.

Analysis by Aviel Fahl
Updated December 6, 2025
Advertising Disclosure: We may earn a commission from partner links.

Chime

Chime High-Yield Savings Account

Up to
3.50%
APY
Dec 6, 2025
FDIC InsuredDirect Deposit ReqChecking BundleNo MinimumsGreat iOS AppGreat Android App
Range: 1.00% – 3.50%
Show Fine Print & Trends
Min. Deposit$0
Min. Balance$0.01
Maintenance Fee$0
Compound FreqDaily
Direct DepositRequired (You need to receive a qualifying direct deposit of $200 or more within the preceding 34 days)
Deposit InsuranceFDIC Insured
EligibilityUnited States
Mobile Ratings
iOS:4.8Android:4.7
BBB Rating
A+(BBB Accredited)

Rate Stability

Rate Adjusted
-0.25%
Since 90 days ago
Read Bank Overview

FVCbank

Advantage Direct Savings

3.85%
APY
Dec 6, 2025
FDIC InsuredLow MinimumsGreat iOS App
Show Fine Print & Trends
Min. Deposit$500
Min. Balance$500
Maintenance Fee$0
Compound FreqN/A
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 58696)
EligibilityUnited States
Mobile Ratings
iOS:4.4Android:3.6
BBB Rating
B-(Not BBB Accredited)

Rate Stability

Rate Adjusted
-0.50%
Since 90 days ago
Read Bank Overview

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.

See Top Rates

Comparison Analysis

Comparing Chime vs. FVCbank

Updated: Dec 6, 2025

Why Chime?

  • ✓Higher rated iOS app (4.8 vs 4.4)
  • ✓Higher rated Android app (4.7 vs 3.6)

Why FVCbank?

  • ✓Higher potential APY (3.85% vs 3.50%) on all balances
  • ✓No checking account or direct deposit required

— Key Feature Differences —

Better Returns at $10,000
FVCbank

FVCbank's Advantage Direct Savings earns more on smaller deposits (approx. $385 vs $350/yr).

Better Returns at $25,000
FVCbank

FVCbank's Advantage Direct Savings pulls ahead with larger amounts (approx. $963 vs $875/yr).

Best for Simplicity
FVCbank

FVCbank's Advantage Direct Savings offers 3.85% APY with no bundling, direct deposit requirement or caps.

Best Mobile App Experience
Chime

Chime offers an iOS app rated 4.8 (vs. 4.4) and Android app rated 4.7 (vs. 3.6)

Shared Benefits

Both offer monthly maintenance-free account options Available Nationwide Available to New & Existing Customers
The Bottom Line

Over a 1-year period, FVCbank's Advantage Direct Savings pays $35 more interest on a $10,000 balance than Chime's Chime High-Yield Savings Account.

ChimeFVCbank
Automated Data Audit

Executive Summary

FVCbank offers a competitive Advantage Direct Savings account with a higher APY of 3.85%, making it the winner compared to Chime's High-Yield Savings Account, which has an APY of 3.50%. FVCbank's account does not require a direct deposit, providing more flexibility, while Chime requires a qualifying direct deposit of $200 or more within the preceding 34 days. Both accounts are online-only and have no maintenance fees, but FVCbank requires a minimum deposit and balance of $500. Overall, FVCbank's product is noted for its simplicity and better returns on larger deposits.

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.

ExploreChimeExploreFVCbank

Top Market Contenders

See who beats both Chime and FVCbank.

Compare All High-Yield Savings Accounts
Pibank
Pibank Savings
FDIC InsuredNo Minimums
4.60% APY
+0.75% vs FVCbank
Better Rate
Pibank vs ChimePibank vs FVCbank
Neighbors Bank
Neighbors Savings Account
FDIC InsuredNo MinimumsGreat Android App
4.50% APY
+0.65% vs FVCbank
Better Rate
Neighbors Bank vs ChimeNeighbors Bank vs FVCbank
Axos Bank
Axos ONE
FDIC InsuredNo MinimumsGreat iOS AppGreat Android App
4.31% APY
+0.46% vs FVCbank
Better Rate
Axos Bank vs ChimeAxos Bank vs FVCbank
FeatureChimeFVCbank
APY
3.50%
Range: 1.00% - 3.50%
Verified: 12/6/2025
↘︎ 0.25%90d Change
3.85%
Verified: 12/6/2025
↘︎ 0.50%90d Change
Product NameChime High-Yield Savings AccountAdvantage Direct Savings
Minimum Deposit$0$500
Min. Balance for APY$0.01$500
Monthly Fee$0$0
Branch AccessNoneNone
Account Type
Online Only
Online Only
Direct Deposit Req.
RequiredYou need to receive a qualifying direct deposit of $200 or more within the preceding 34 days
None
Checking Bundle YesNo
Mobile Apps
iOS4.8
Android4.7
iOS4.4
Android3.6
BBB RatingA+B-
Next Steps
- View Details
- View Details

Savings Comparison

Calculations based on current APY.
$
$

FVCbank earns $223.9 more than Chime.

Chime

Chime High-Yield Savings Account

3.50% APY

Savings Breakdown

  • Interest Earned
    +$2,114.10(10.5%)
  • Total Contributions
    $13,000
  • Initial Deposit
    $5,000

Projected Balance

$20,114.10

Effective APY
3.50%
View Details

FVCbank

Advantage Direct Savings

3.85% APY

Savings Breakdown

  • Interest Earned
    +$2,338.00(11.5%)
  • Total Contributions
    $13,000
  • Initial Deposit
    $5,000

Projected Balance

$20,338.00

Effective APY
3.85%
View Details

The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.

📈 Compare Savings Rates Over Time

Historical Performance

Last 9 Months Analysis
MetricChimeFVCbank
Chime High-Yield Savings AccountAdvantage Direct Savings
Current APY
3.50%3.85%
Trend
 Stable Stable
Velocity (bps/mo)
1.2-8.3
Days Since Change
5135
9-Month High
3.75%4.55%
9-Month Low
2.00%3.85%
Adjustments / Mo
0.230.92
Volatility Score
0.0930.056
How to read these metrics(Click to expand)

Trends & Velocity

  • Trend: The general direction of the rate over the analyzed period. Useful for spotting if a bank is currently aggressive or pulling back.
  • Velocity (bps/mo): Speed of change. A high positive number means they raise rates quickly. 10 bps = 0.10%.
  • Adjustments/Mo: "Twitchiness." High frequency means the rate changes constantly; low frequency means it's stable.

Risk & Range

  • High/Low: The absolute ceiling and floor of the rate during the 262-day window.
  • Volatility Score: Lower is better for predictability. It indicates how wildly the rate swings relative to its average.
  • Days Since Change: If this number is high (e.g., >90), the rate is very sticky. If low, it changed recently.

Compare Similar Alternatives

Compare Chime vs...

Comparing against other Bundled Accounts

vs Chime
Axos BankChecking Bundle
4.31%
APY
vs Chime
SoFi BankChecking Bundle
4.30%
APY
vs Chime
Presidential BankChecking Bundle
4.00%
APY

Compare FVCbank vs...

Comparing against Standard Savings

vs FVCbank
PibankNo Bundle Req
4.60%
APY
vs FVCbank
Neighbors BankNo Bundle Req
4.50%
APY
vs FVCbank
TIMBRNo Bundle Req
4.40%
APY

More Comparisons

Compare Chime's APY of 3.50% with other banks
Bank PairCompetitor APYMin Deposit
Chime vs Ally Bank3.30%$0
Chime vs American Express3.40%$0
Chime vs Axos Bank4.31%$0
Chime vs Bank of America0.01%$100
Chime vs Barclays4.00%$0
Chime vs Bask Bank3.90%$0
Chime vs BMO Alto3.25%$0
Chime vs BrioDirect4.00%$5,000
Chime vs Capital One3.40%$0
Chime vs Chase Bank0.01%$0
Chime vs CIT Bank3.75%$100
Chime vs Citibank3.30%$0
Chime vs Citizens Access™3.35%$0.01
Chime vs Climate First Bank4.21%$50
Chime vs Discover Bank3.40%$0
Chime vs Elevault4.08%$0
Chime vs EverBank4.05%$0
Chime vs Fitness Bank4.75%$100
Chime vs FNBO Direct3.00%$1
Chime vs Forbright Bank4.00%$0
Chime vs GO2bank4.50%$0
Chime vs Ivy Bank4.25%$2,500
Chime vs LendingClub4.20%$0
Chime vs Marcus by Goldman Sachs3.65%$0
Chime vs Neighbors Bank4.50%$0
Chime vs Newtek Bank4.35%$0.01
Chime vs Openbank4.20%$500
Chime vs Peak Bank4.20%$100
Chime vs Pibank4.60%$0
Chime vs PNC3.53%$0
Chime vs Presidential Bank4.00%$5,000
Chime vs Quontic Bank3.75%$100
Chime vs Salem Five Direct3.71%$10
Chime vs Santander Bank0.01%$25
Chime vs SoFi Bank4.30%$0
Chime vs Synchrony Bank3.65%$0
Chime vs TIMBR4.40%$1,000
Chime vs UFB Direct3.71%$5000
Chime vs Valley Direct4.10%$1,000
Chime vs Varo Bank5.00%$0
Chime vs Vio Bank4.16%$100
Chime vs Wealthfront4.15%$0
Chime vs Wells Fargo0.05%$25
Chime vs Zynlo Bank4.05%$10
Compare FVCbank's APY of 3.85% with other banks
Bank PairCompetitor APYMin Deposit
FVCbank vs Ally Bank3.30%$0
FVCbank vs American Express3.40%$0
FVCbank vs Axos Bank4.31%$0
FVCbank vs Bank of America0.01%$100
FVCbank vs Barclays4.00%$0
FVCbank vs Bask Bank3.90%$0
FVCbank vs BMO Alto3.25%$0
FVCbank vs BrioDirect4.00%$5,000
FVCbank vs Capital One3.40%$0
FVCbank vs Chase Bank0.01%$0
FVCbank vs CIT Bank3.75%$100
FVCbank vs Citibank3.30%$0
FVCbank vs Citizens Access™3.35%$0.01
FVCbank vs Climate First Bank4.21%$50
FVCbank vs Discover Bank3.40%$0
FVCbank vs Elevault4.08%$0
FVCbank vs EverBank4.05%$0
FVCbank vs Fitness Bank4.75%$100
FVCbank vs FNBO Direct3.00%$1
FVCbank vs Forbright Bank4.00%$0
FVCbank vs GO2bank4.50%$0
FVCbank vs Ivy Bank4.25%$2,500
FVCbank vs LendingClub4.20%$0
FVCbank vs Marcus by Goldman Sachs3.65%$0
FVCbank vs Neighbors Bank4.50%$0
FVCbank vs Newtek Bank4.35%$0.01
FVCbank vs Openbank4.20%$500
FVCbank vs Peak Bank4.20%$100
FVCbank vs Pibank4.60%$0
FVCbank vs PNC3.53%$0
FVCbank vs Presidential Bank4.00%$5,000
FVCbank vs Quontic Bank3.75%$100
FVCbank vs Salem Five Direct3.71%$10
FVCbank vs Santander Bank0.01%$25
FVCbank vs SoFi Bank4.30%$0
FVCbank vs Synchrony Bank3.65%$0
FVCbank vs TIMBR4.40%$1,000
FVCbank vs UFB Direct3.71%$5000
FVCbank vs Valley Direct4.10%$1,000
FVCbank vs Varo Bank5.00%$0
FVCbank vs Vio Bank4.16%$100
FVCbank vs Wealthfront4.15%$0
FVCbank vs Wells Fargo0.05%$25
FVCbank vs Zynlo Bank4.05%$10