Fvcbank vs Go2bank
High-Yield Savings Accounts Comparison
Last Updated: September 5, 2025
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Summary of FVCbank vs. GO2bank
As of September 5, 2025 FVCbank offers an APY of 4.35% for its Advantage Direct Savings account, with a minimum balance of $500, compared to GO2bank's 4.50% APY for its High Yield Savings account, with a minimum balance of $0.
GO2bank yields $15 more than FVCbank on a $10,000 balance after one year. FVCbank pays $435, while GO2bank pays $450 - an APY advantage for GO2bank.
FVCbank
Strengths
- FVCbank offers a competitive APY of 4.35% with no maintenance fees.
- FVCbank has an A+ BBB rating, indicating strong trustworthiness.
- No direct deposit requirement for FVCbank's Advantage Direct Savings account.
Potential Drawbacks
- FVCbank's App Store rating is 4.4, lower than GO2bank's.
- FVCbank's Google Play rating is 3.4, significantly lower than GO2bank's.
GO2bank
Strengths
- GO2bank offers a slightly higher APY of 4.50% for balances up to $5,000.
- GO2bank has higher App Store and Google Play ratings at 4.8 and 4.6, respectively.
Potential Drawbacks
- GO2bank charges a $5 monthly maintenance fee unless direct deposit is set up.
- GO2bank is not BBB accredited and has no rating.
Summary: FVCbank provides a solid APY of 4.35% with an A+ BBB rating and no maintenance fees. In contrast, GO2bank offers a higher APY of 4.50% for lower balances, but charges a monthly fee without direct deposit and lacks BBB accreditation. GO2bank also boasts better app ratings, making it appealing for tech-savvy customers.
Compare FVCbank's vs GO2bank's Savings Accounts
| FVCbank | GO2bank | ||
|---|---|---|---|
| Product | Advantage Direct Savings | vs | High Yield Savings |
| APY | 4.35% (as of 9/5/2025) | 4.50% (as of 9/5/2025) | |
| Bundled Account | No | No | |
| FDIC-insured | Yes | Yes | |
| Online Only | Yes | Yes | |
| Compound Frequency | N/A | Quarterly | |
| Minimum Deposit | $500 | $0 | |
| Minimum Balance for APY | $500 | $0 | |
| Maintenance Fee | $0 | $5 per month, unless you set up direct deposit | |
| Direct Deposit Required | No | No | |
| Note | The 4.50% APY is up to $5,000. Balances above that earn no interest. | ||
| App Store Rating | 4.4/5 | 4.8/5 | |
| Google Play Rating | 3.4/5 | 4.6/5 | |
| BBB Rating | A+ | Not Rated |
Comparative Historical APY Insights (Last 1 Month)
| FVCbank | GO2bank | ||
|---|---|---|---|
| Product | Advantage Direct Savings | vs | High Yield Savings |
| Latest APY | 4.35 % | 4.50 % | |
| Trend | Sideways | Sideways | |
| Slope (bps/mo) | 0.0 | 0.0 | |
| Rate Changes / Mo | 0.00 | 0.00 | |
| Days Since Last Change | 29 | 29 | |
| High (-1 m) | 4.35 % | 4.50 % | |
| Low (-1 m) | 4.35 % | 4.50 % | |
| Draw-down from High | 0.0 % | 0.0 % | |
| Volatility (CV) | 0.000 | 0.000 |
APY Insights Glossary
- Latest APY
- Most recent advertised annual-percentage yield.
- Trend
- Direction over the last 1 months (regression slope).
- Slope (bps/mo)
- Average monthly change; 10 bps = 0.10 pp.
- Rate Changes / Mo
- Typical number of APY moves per month.
- Days Since Last Change
- Recency of the latest APY adjustment.
- High (-1 m)
- Highest APY in the last 30 days.
- Low (-1 m)
- Lowest APY in the last 30 days.
- Draw-down from High
- How far today sits below the 1-month peak.
- Volatility (CV)
- Coefficient of variation = stdev ÷ mean.
Why Track Savings-Account APYs?
- See how quickly a bank reacts to Fed moves or competition.
- Gauge “twitchiness” - frequent moves can annoy savers.
- Spot if you're buying near a peak (draw-down) or riding a rise.
- Slope (bps/mo) shows speed of change.
- Volatility (CV) scales jumps by average level.
Calculate Savings Growth for FVCbank vs GO2bank
All calculations are based on APY.
FVCbank
APY: 4.35%
Total savings breakdown:
- Interest earned: $2,662 (12.88%)
- Total contributions: $13,000 (62.92%)
- Initial deposit: $5,000 (24.20%)
Your total balance
$20,662.00
Effective APY: 4.35% (based on your deposit and contributions)
Total balance: $20,662
Earnings: $2,662
Bank OverviewGO2bank
APY: 4.50%
Total savings breakdown:
- Interest earned: $2,760.1 (13.30%)
- Total contributions: $13,000 (62.62%)
- Initial deposit: $5,000 (24.08%)
Your total balance
$20,760.10
Effective APY: 4.50% (based on your deposit and contributions)
Total balance: $20,760.1
Earnings: $2,760.1
Bank OverviewWith a $5,000 initial deposit and $13,000 in total contributions over 5 years, FVCbank's total earnings would be $98.1 lower than GO2bank's total earnings.
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
More Comparisons
Compare FVCbank's APY of 4.35% with other banks
| Bank Pair | Competitor APY | Min Deposit |
|---|---|---|
| FVCbank vs Ally Bank | 3.50% | $0 |
| FVCbank vs American Express | 3.50% | $0 |
| FVCbank vs Axos Bank | 4.46% | $0 |
| FVCbank vs Bank of America | 0.01% | $100 |
| FVCbank vs Barclays | 4.10% | $0 |
| FVCbank vs BrioDirect | 4.30% | $5,000 |
| FVCbank vs Capital One | 3.50% | $0 |
| FVCbank vs Chase Bank | 0.01% | $0 |
| FVCbank vs Chime | 3.75% | $0 |
| FVCbank vs CIT Bank | 4.00% | $100 |
| FVCbank vs Discover Bank | 3.50% | $0 |
| FVCbank vs Elevault | 4.60% | $0 |
| FVCbank vs EverBank | 4.30% | $0 |
| FVCbank vs Fitness Bank | 4.75% | $100 |
| FVCbank vs Marcus by Goldman Sachs | 3.65% | $0 |
| FVCbank vs Neighbors Bank | 4.60% | $0 |
| FVCbank vs Newtek Bank | 4.35% | $0 |
| FVCbank vs Peak Bank | 4.35% | $100 |
| FVCbank vs Pibank | 4.60% | $0 |
| FVCbank vs Presidential Bank | 4.50% | $5,000 |
| FVCbank vs Santander Bank | 0.03% | $25 |
| FVCbank vs SoFi Bank | 3.80% | $0 |
| FVCbank vs Synchrony Bank | 3.80% | $0 |
| FVCbank vs TIMBR | 4.40% | $1,000 |
| FVCbank vs UFB Direct | 4.21% | $5000 |
| FVCbank vs Varo Bank | 5.00% | $0 |
| FVCbank vs Wells Fargo | 2.51% | $25 |
| FVCbank vs Zynlo Bank | 4.35% | $10 |
Compare GO2bank's APY of 4.50% with other banks
| Bank Pair | Competitor APY | Min Deposit |
|---|---|---|
| GO2bank vs Ally Bank | 3.50% | $0 |
| GO2bank vs American Express | 3.50% | $0 |
| GO2bank vs Axos Bank | 4.46% | $0 |
| GO2bank vs Bank of America | 0.01% | $100 |
| GO2bank vs Barclays | 4.10% | $0 |
| GO2bank vs BrioDirect | 4.30% | $5,000 |
| GO2bank vs Capital One | 3.50% | $0 |
| GO2bank vs Chase Bank | 0.01% | $0 |
| GO2bank vs Chime | 3.75% | $0 |
| GO2bank vs CIT Bank | 4.00% | $100 |
| GO2bank vs Discover Bank | 3.50% | $0 |
| GO2bank vs Elevault | 4.60% | $0 |
| GO2bank vs EverBank | 4.30% | $0 |
| GO2bank vs Fitness Bank | 4.75% | $100 |
| GO2bank vs Marcus by Goldman Sachs | 3.65% | $0 |
| GO2bank vs Neighbors Bank | 4.60% | $0 |
| GO2bank vs Newtek Bank | 4.35% | $0 |
| GO2bank vs Peak Bank | 4.35% | $100 |
| GO2bank vs Pibank | 4.60% | $0 |
| GO2bank vs Presidential Bank | 4.50% | $5,000 |
| GO2bank vs Santander Bank | 0.03% | $25 |
| GO2bank vs SoFi Bank | 3.80% | $0 |
| GO2bank vs Synchrony Bank | 3.80% | $0 |
| GO2bank vs TIMBR | 4.40% | $1,000 |
| GO2bank vs UFB Direct | 4.21% | $5000 |
| GO2bank vs Varo Bank | 5.00% | $0 |
| GO2bank vs Wells Fargo | 2.51% | $25 |
| GO2bank vs Zynlo Bank | 4.35% | $10 |