Citizens Access™ vs. FVCbank
Compare rates, requirements, and features side-by-side to find the best option for you.
Citizens Access™
Citizens Access® Savings
3.35%APYDec 5, 2025FDIC InsuredNo MinimumsGreat iOS AppGreat Android AppShow Fine Print & Trends Hide Details
Citizens Access™
Citizens Access® 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 Citizens Access™ vs. FVCbank
Why Citizens Access™?
- ✓Higher rated iOS app (4.8 vs 4.4)
- ✓Higher rated Android app (4.8 vs 3.6)
Why FVCbank?
- ✓Higher potential APY (3.85% vs 3.35%) on all balances
— Key Feature Differences —
Better Returns at $10,000
FVCbankFVCbank's Advantage Direct Savings earns more on smaller deposits (approx. $385 vs $335/yr).
Better Returns at $25,000
FVCbankFVCbank's Advantage Direct Savings pulls ahead with larger amounts (approx. $963 vs $838/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
Citizens Access™Citizens Access™ offers an iOS app rated 4.8 (vs. 4.4) and Android app rated 4.8 (vs. 3.6)
Shared Benefits
Over a 1-year period, FVCbank's Advantage Direct Savings pays $50 more interest on a $10,000 balance than Citizens Access™'s Citizens Access® Savings.
Executive Summary
FVCbank offers a competitive Advantage Direct Savings account with an APY of 3.85%, making it the winner in this comparison. This account does not require direct deposit and has a minimum deposit and balance of $500, with no maintenance fees. In contrast, Citizens Access™ provides a Citizens Access® Savings account with a lower APY of 3.35%. While Citizens Access™ has a strong mobile app experience, FVCbank's account is noted for simplicity, as it has no bundling or caps. Both accounts are online-only and FDIC insured.
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 Citizens Access™ and FVCbank.
| Feature | Citizens Access™ | FVCbank |
|---|---|---|
| APY | 3.35% Verified: 12/5/2025 ↘︎ 0.15%90d Change | 3.85% Verified: 12/6/2025 ↘︎ 0.50%90d Change |
| Product Name | Citizens Access® Savings | Advantage Direct Savings |
| Minimum Deposit | $0.01 | $500 |
| Min. Balance for APY | $0.01 | $500 |
| Monthly Fee | $0 | $0 |
| Branch Access | None | None |
| Account Type | Online Only | Online Only |
| Direct Deposit Req. | None | None |
| Checking Bundle | No | No |
| Mobile Apps | iOS4.8 Android4.8 | iOS4.4 Android3.6 |
| BBB Rating | A+ | B- |
| Next Steps |
Savings Comparison
FVCbank earns $319.2 more than Citizens Access™.
Citizens Access™
Citizens Access® Savings
Savings Breakdown
- Interest Earned+$2,018.80(10.1%)
- Total Contributions$13,000
- Initial Deposit$5,000
Projected Balance
$20,018.80
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 | Citizens Access™ | FVCbank |
|---|---|---|
| Citizens Access® Savings | Advantage Direct Savings | |
Current APY | 3.35% | 3.85% |
Trend | Stable | Stable |
Velocity (bps/mo) | -4.8 | -8.3 |
Days Since Change | 37 | 35 |
9-Month High | 3.70% | 4.55% |
9-Month Low | 3.35% | 3.85% |
Adjustments / Mo | 0.23 | 0.92 |
Volatility Score | 0.038 | 0.056 |
How to read these metrics(Click to expand)
Compare Similar High-Yield Accounts
Compare Citizens Access™ vs...
Comparing against Standard Savings
Compare FVCbank vs...
Comparing against Standard Savings
Higher Rates (With Checking)
Looking for something different? Check out these top-rated alternatives.