High-Yield Savings Account Comparison

EverBank vs. FVCbank

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

Analysis by Aviel Fahl
Updated January 21, 2026
Comparison of EverBank vs FVCbank savings accounts
Metric

EverBank

Performance Savings

Jan 21, 2026

FVCbank

Advantage Direct Savings

Jan 21, 2026
APY3.90%3.85%
Est. Earnings
$5,000+$195
$10,000+$390
$25,000+$975
$5,000+$193
$10,000+$385
$25,000+$963
Min Deposit
$0$500

Snapshot view. Rates subject to change.

Features
FDIC InsuredNo MinimumsGreat 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 4.20% APY.

See Top Rates

Comparison Analysis

Comparing EverBank vs. FVCbank

Updated: Jan 21, 2026

As of EverBank offers an APY of 3.90% for its Performance Savings account, with a minimum balance of $0, compared to FVCbank's 3.85% APY for its Advantage Direct Savings account, with a minimum balance of $500.

EverBank pays $5 more than FVCbank on a $10,000 balance after one year. EverBank pays $390, while FVCbank pays $385 - an APY advantage for EverBank.

Why EverBank?

  • Physical branch access (11 locations in Florida and California)
  • Higher rated Android app (4.8 vs 3.6)

Why FVCbank?

No distinct advantages found vs EverBank.

— Key Feature Differences —

Best Mobile App Experience
EverBank

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

Shared Benefits

Both offer monthly maintenance-free account options Fast transfers via Zelle® Available Nationwide Available to New & Existing Customers
The Bottom Line on APY (Interest Only)

Over a 1-year period, EverBank's Performance Savings pays $5 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.

FVCbankEverBank

Executive Summary as of

EverBank offers a Performance Savings account with a competitive APY of 3.90%, making it the highest-yielding option between the two banks. This account requires no minimum deposit or balance and has no maintenance fees, and it is available online only. In comparison, FVCbank's Advantage Direct Savings account provides a slightly lower APY of 3.85%, also with no direct deposit requirement, but requires a minimum deposit and balance of $500. Both banks are FDIC insured, but EverBank stands out for its superior mobile app experience, rated 4.7 for iOS and 4.8 for Android.

The analysis is based on current Banksparency database records

* This content is provided for informational purposes only; always verify details with the provider.

Verify At
EverBank

Non-sponsored link to official site

Verify At
FVCbank

Non-sponsored link to official site

Top Market Contenders

Capital One
3.30% APY
Marcus by Goldman Sachs
3.65% APY
Axos Bank
4.31% APY

EverBank vs. FVCbank Savings Calculator

Calculations based on current APY for Performance Savings and Advantage Direct Savings
$
$

You earn $5 more with EverBank 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.

EverBank

Performance Savings

3.90% APY

Savings Breakdown

  • Interest Earned
    +$390.00(3.8%)
  • Total Contributions
    $0
  • Initial Deposit
    $10,000

Projected Balance

$10,390.00

Effective APY
3.90%

FVCbank

Advantage Direct Savings

3.85% APY

Savings Breakdown

  • Interest Earned
    +$385.00(3.7%)
  • Total Contributions
    $0
  • Initial Deposit
    $10,000

Projected Balance

$10,385.00

Effective APY
3.85%

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

FeatureEverBankFVCbank
APY
3.90%
Verified: 1/21/2026
↘︎ 0.15%90d Change
3.85%
Verified: 1/21/2026
↘︎ 0.25%90d Change
Product NamePerformance SavingsAdvantage Direct Savings
Minimum Deposit$0$500
Min. Balance for APY$0$500
Monthly Fee$0$0
Branch AccessNoneNone
Account Type
Online Only
Online Only
Direct Deposit Req.NoneNone
Checking BundleNoNo
Mobile Apps
iOS4.7
Android4.8
iOS4.4
Android3.6
Zelle® Support
Available
Native integration verified.
Available
Integrated into mobile app.
BBB RatingA+B-
Next Steps
Visit Site

Non-sponsored link to official site

Visit Site

Non-sponsored link to official site

📈 Compare Savings Rates Over Time

Historical Performance

Last 10 Months Analysis
MetricEverBankFVCbank
Performance SavingsAdvantage Direct Savings
Current APY
3.90%3.85%
Trend
Stable Stable
Velocity (bps/mo)
-4.5-8.4
Days Since Change
3381
10-Month High
4.30%4.55%
10-Month Low
3.90%3.85%
Adjustments / Mo
0.190.78
Volatility Score
0.0370.064
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 308-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.

More Comparisons

Compare EverBank's APY of 3.90% with other banks
Bank PairCompetitor APYMin Deposit
EverBank vs Affirm3.20%$0
EverBank vs Ally Bank3.30%$0
EverBank vs American Express3.30%$0
EverBank vs Axos Bank4.31%$0
EverBank vs Bank of America0.01%$100
EverBank vs Barclays4.00%$0
EverBank vs Bask Bank3.75%$0
EverBank vs Betterment3.25%$10
EverBank vs BMO Alto3.25%$0
EverBank vs Bread Savings4.00%$100
EverBank vs BrioDirect3.75%$5,000
EverBank vs Capital One3.30%$0
EverBank vs Carver Bank4.00%$5,000
EverBank vs Charles Schwab Bank0.15%$0
EverBank vs Chase Bank0.01%$0
EverBank vs Chime3.50%$0
EverBank vs CIT Bank3.75%$100
EverBank vs Citibank3.30%$0
EverBank vs Citizens Access™3.15%$0.01
EverBank vs Climate First Bank4.21%$50
EverBank vs Colorado Federal Savings Bank4.05%$50,000
EverBank vs Discover Bank3.30%$0
EverBank vs E*TRADE from Morgan Stanley3.50%$0
EverBank vs Elevault3.82%$0
EverBank vs Fitness Bank4.75%$100
EverBank vs FNBO Direct3.00%$1
EverBank vs Forbright Bank3.85%$0
EverBank vs GO2bank4.50%$0
EverBank vs Ivy Bank4.00%$2,500
EverBank vs Jenius Bank4.05%$0
EverBank vs LendingClub4.00%$0
EverBank vs Marcus by Goldman Sachs3.65%$0
EverBank vs MutualOne Bank4.07%$20,000
EverBank vs My Banking Direct4.02%$500
EverBank vs Neighbors Bank4.20%$0
EverBank vs Newtek Bank4.35%$0.01
EverBank vs Openbank4.20%$500
EverBank vs Peak Bank3.99%$100
EverBank vs Pibank4.60%$0
EverBank vs PNC3.30%$0
EverBank vs Popular Direct3.90%$100
EverBank vs Presidential Bank3.75%$5,000
EverBank vs Quontic Bank3.50%$100
EverBank vs Salem Five Direct3.61%$10
EverBank vs Sallie Mae Bank3.90%$0
EverBank vs Santander Bank0.01%$25
EverBank vs SoFi Bank4.00%$0
EverBank vs Synchrony Bank3.65%$0
EverBank vs TD Bank2.36%$0
EverBank vs TIMBR4.15%$1,000
EverBank vs UFB Direct3.46%$5000
EverBank vs Upgrade3.05%$0
EverBank vs Valley Direct4.00%$1,000
EverBank vs Varo Bank5.00%$0
EverBank vs Vio Bank4.09%$100
EverBank vs Wealthfront3.90%$0
EverBank vs Wells Fargo0.05%$25
EverBank vs Zynlo Bank3.85%$10
Compare FVCbank's APY of 3.85% with other banks
Bank PairCompetitor APYMin Deposit
FVCbank vs Affirm3.20%$0
FVCbank vs Ally Bank3.30%$0
FVCbank vs American Express3.30%$0
FVCbank vs Axos Bank4.31%$0
FVCbank vs Bank of America0.01%$100
FVCbank vs Barclays4.00%$0
FVCbank vs Bask Bank3.75%$0
FVCbank vs Betterment3.25%$10
FVCbank vs BMO Alto3.25%$0
FVCbank vs Bread Savings4.00%$100
FVCbank vs BrioDirect3.75%$5,000
FVCbank vs Capital One3.30%$0
FVCbank vs Carver Bank4.00%$5,000
FVCbank vs Charles Schwab Bank0.15%$0
FVCbank vs Chase Bank0.01%$0
FVCbank vs Chime3.50%$0
FVCbank vs CIT Bank3.75%$100
FVCbank vs Citibank3.30%$0
FVCbank vs Citizens Access™3.15%$0.01
FVCbank vs Climate First Bank4.21%$50
FVCbank vs Colorado Federal Savings Bank4.05%$50,000
FVCbank vs Discover Bank3.30%$0
FVCbank vs E*TRADE from Morgan Stanley3.50%$0
FVCbank vs Elevault3.82%$0
FVCbank vs Fitness Bank4.75%$100
FVCbank vs FNBO Direct3.00%$1
FVCbank vs Forbright Bank3.85%$0
FVCbank vs GO2bank4.50%$0
FVCbank vs Ivy Bank4.00%$2,500
FVCbank vs Jenius Bank4.05%$0
FVCbank vs LendingClub4.00%$0
FVCbank vs Marcus by Goldman Sachs3.65%$0
FVCbank vs MutualOne Bank4.07%$20,000
FVCbank vs My Banking Direct4.02%$500
FVCbank vs Neighbors Bank4.20%$0
FVCbank vs Newtek Bank4.35%$0.01
FVCbank vs Openbank4.20%$500
FVCbank vs Peak Bank3.99%$100
FVCbank vs Pibank4.60%$0
FVCbank vs PNC3.30%$0
FVCbank vs Popular Direct3.90%$100
FVCbank vs Presidential Bank3.75%$5,000
FVCbank vs Quontic Bank3.50%$100
FVCbank vs Salem Five Direct3.61%$10
FVCbank vs Sallie Mae Bank3.90%$0
FVCbank vs Santander Bank0.01%$25
FVCbank vs SoFi Bank4.00%$0
FVCbank vs Synchrony Bank3.65%$0
FVCbank vs TD Bank2.36%$0
FVCbank vs TIMBR4.15%$1,000
FVCbank vs UFB Direct3.46%$5000
FVCbank vs Upgrade3.05%$0
FVCbank vs Valley Direct4.00%$1,000
FVCbank vs Varo Bank5.00%$0
FVCbank vs Vio Bank4.09%$100
FVCbank vs Wealthfront3.90%$0
FVCbank vs Wells Fargo0.05%$25
FVCbank vs Zynlo Bank3.85%$10