High-Yield Savings Account Comparison

FVCbank vs. GO2bank

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.

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

GO2bank

High Yield Savings

Up to
4.50%
APY
Dec 6, 2025
FDIC InsuredChecking BundleNo MinimumsGreat iOS AppGreat Android App
Range: 0.00% – 4.50%
Show Fine Print & Trends
Min. Deposit$0
Min. Balance$0
Maintenance Fee$5 per month, unless you set up direct deposit
Compound FreqQuarterly
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 22653)
EligibilityUnited States
Mobile Ratings
iOS:4.8Android:4.5
BBB Rating
Not Rated(Not BBB Accredited)

Important Note

A GO2bank checking account is required to open a savings account. The 4.50% APY is up to $5,000. Balances above that earn no interest.

Rate Stability

Very StableNo rate changes in last 90 days
Read Bank Overview

Prefer In-Person Banking?

Both of these banks are online-only. If you need physical branch access, check out our list of high-yield accounts with brick-and-mortar locations.

Find Branch Access

Comparison Analysis

Comparing FVCbank vs. GO2bank

Updated: Dec 6, 2025

Why FVCbank?

  • ✓No checking account or direct deposit required

Why GO2bank?

  • ✓Higher potential APY (4.50% vs 3.85%) on balances up to $5,000 (requires checking bundle)
  • ✓Higher rated iOS app (4.8 vs 4.4)
  • ✓Higher rated Android app (4.5 vs 3.6)

— Key Feature Differences —

Better Returns at $10,000
FVCbank

FVCbank's Advantage Direct Savings earns more on smaller deposits (approx. $385 vs $225/yr).

Better Returns at $25,000
FVCbank

FVCbank's Advantage Direct Savings pulls ahead with larger amounts (approx. $963 vs $225/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
GO2bank

GO2bank offers an iOS app rated 4.8 (vs. 4.4) and Android app rated 4.5 (vs. 3.6)

Shared Benefits

Available Nationwide Available to New & Existing Customers
The Bottom Line

Over a 1-year period, FVCbank's Advantage Direct Savings pays $160 more interest on a $10,000 balance than GO2bank's High Yield Savings.

GO2bankFVCbank
Automated Data Audit

Executive Summary

GO2bank offers a higher APY of 4.50% on its High Yield Savings account, which is capped at $5,000, making it a strong choice for those with smaller savings. However, to open this account, a GO2bank checking account is required. In contrast, FVCbank's Advantage Direct Savings provides a competitive APY of 3.85%, with no direct deposit requirement and no caps on interest, making it appealing for larger deposits. Both banks operate online only and have no maintenance fees if conditions are met. Overall, GO2bank's higher yield positions it as the winner based on the provided data.

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.

ExploreFVCbankExploreGO2bank

Top Market Contenders

See who beats both FVCbank and GO2bank.

Compare All High-Yield Savings Accounts
Pibank
Pibank Savings
FDIC InsuredNo Minimums
4.60% APY
+0.10% vs GO2bank
Better Rate
Pibank vs FVCbankPibank vs GO2bank
Neighbors Bank
Neighbors Savings Account
FDIC InsuredNo MinimumsGreat Android App
4.50% APY
Better Rate
Neighbors Bank vs FVCbankNeighbors Bank vs GO2bank
FeatureFVCbankGO2bank
APY
3.85%
Verified: 12/6/2025
↘︎ 0.50%90d Change
4.50%
0
Verified: 12/6/2025
Stable (90d)
Product NameAdvantage Direct SavingsHigh Yield Savings
Minimum Deposit$500$0
Min. Balance for APY$500$0
Monthly Fee$0$5 per month, unless you set up direct deposit
Branch AccessNoneNone
Account Type
Online Only
Online Only
Direct Deposit Req.NoneNone
Checking BundleNo Yes
Mobile Apps
iOS4.4
Android3.6
iOS4.8
Android4.5
BBB RatingB-Not Rated
Important Notes-A GO2bank checking account is required to open a savings account. The 4.50% APY is up to $5,000. Balances above that earn no interest.
Next Steps
- View Details
- View Details

Savings Comparison

Calculations based on current APY.
$
$

FVCbank earns $1,107.1 more than GO2bank.

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

GO2bank

High Yield Savings

4.50% APY

4.50% on first $5,000 and 0.00% thereafter.

Savings Breakdown

  • Interest Earned
    +$1,230.90(6.4%)
  • Total Contributions
    $13,000
  • Initial Deposit
    $5,000

Projected Balance

$19,230.90

Effective APY
2.08%
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 4 Months Analysis
MetricFVCbankGO2bank
Advantage Direct SavingsHigh Yield Savings
Current APY
3.85%4.50%
Trend
 Stable Stable
Velocity (bps/mo)
-16.60.0
Days Since Change
35121
4-Month High
4.45%4.50%
4-Month Low
3.85%4.50%
Adjustments / Mo
0.980.00
Volatility Score
0.0520.000
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 122-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 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

Compare GO2bank vs...

Comparing against other Bundled Accounts

vs GO2bank
Axos BankChecking Bundle
4.31%
APY
vs GO2bank
SoFi BankChecking Bundle
4.30%
APY
vs GO2bank
Presidential BankChecking Bundle
4.00%
APY

More Comparisons

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 Chime3.50%$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 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
Compare GO2bank's APY of 4.50% with other banks
Bank PairCompetitor APYMin Deposit
GO2bank vs Ally Bank3.30%$0
GO2bank vs American Express3.40%$0
GO2bank vs Axos Bank4.31%$0
GO2bank vs Bank of America0.01%$100
GO2bank vs Barclays4.00%$0
GO2bank vs Bask Bank3.90%$0
GO2bank vs BMO Alto3.25%$0
GO2bank vs BrioDirect4.00%$5,000
GO2bank vs Capital One3.40%$0
GO2bank vs Chase Bank0.01%$0
GO2bank vs Chime3.50%$0
GO2bank vs CIT Bank3.75%$100
GO2bank vs Citibank3.30%$0
GO2bank vs Citizens Access™3.35%$0.01
GO2bank vs Climate First Bank4.21%$50
GO2bank vs Discover Bank3.40%$0
GO2bank vs Elevault4.08%$0
GO2bank vs EverBank4.05%$0
GO2bank vs Fitness Bank4.75%$100
GO2bank vs FNBO Direct3.00%$1
GO2bank vs Forbright Bank4.00%$0
GO2bank vs Ivy Bank4.25%$2,500
GO2bank vs LendingClub4.20%$0
GO2bank vs Marcus by Goldman Sachs3.65%$0
GO2bank vs Neighbors Bank4.50%$0
GO2bank vs Newtek Bank4.35%$0.01
GO2bank vs Openbank4.20%$500
GO2bank vs Peak Bank4.20%$100
GO2bank vs Pibank4.60%$0
GO2bank vs PNC3.53%$0
GO2bank vs Presidential Bank4.00%$5,000
GO2bank vs Quontic Bank3.75%$100
GO2bank vs Salem Five Direct3.71%$10
GO2bank vs Santander Bank0.01%$25
GO2bank vs SoFi Bank4.30%$0
GO2bank vs Synchrony Bank3.65%$0
GO2bank vs TIMBR4.40%$1,000
GO2bank vs UFB Direct3.71%$5000
GO2bank vs Valley Direct4.10%$1,000
GO2bank vs Varo Bank5.00%$0
GO2bank vs Vio Bank4.16%$100
GO2bank vs Wealthfront4.15%$0
GO2bank vs Wells Fargo0.05%$25
GO2bank vs Zynlo Bank4.05%$10