FVCbank vs. Ivy Bank
Compare rates, requirements, and features side-by-side to find the best option for you.
| Metric | FVCbankAdvantage Direct Savings Jan 7, 2026 | Ivy BankHigh-Yield Savings Account Jan 7, 2026 |
|---|---|---|
| APY | 3.85% | 0.05% - 4.10% |
Est. Earnings | $5,000+$193 $10,000+$385 $25,000+$963 | $5,000+$205 $10,000+$410 $25,000+$1,025 |
Min Deposit | $500 | $2,500 |
Snapshot view. Rates subject to change. | ||
| Features | FDIC InsuredLow MinimumsGreat iOS AppZelle® Supported | FDIC InsuredMod. MinimumGreat iOS App |
Market Reality Check
Both of these banks offer rates below the current top tier. The best rates we track are currently above 4.21% APY.
As of FVCbank offers an APY of 3.85% for its Advantage Direct Savings account, with a minimum balance of $500, compared to Ivy Bank's 4.10% APY for its High-Yield Savings Account, with a minimum balance of $2,500.
Ivy Bank pays $25 more than FVCbank on a $10,000 balance after one year. FVCbank pays $385, while Ivy Bank pays $410 - an APY advantage for Ivy Bank.
Why FVCbank?
- ✓No checking account or direct deposit required
- ✓Fast transfers via Zelle®
- ✓Available Nationwide
Why Ivy Bank?
- ✓Higher potential APY (4.10% vs 3.85%) on all balances
— Key Feature Differences —
Better Returns at $10,000
Ivy BankIvy Bank's High-Yield Savings Account earns more on smaller deposits (approx. $410 vs $385/yr).
Better Returns at $25,000
Ivy BankIvy Bank's High-Yield Savings Account pulls ahead with larger amounts (approx. $1025 vs $963/yr).
Best for Simplicity
FVCbankFVCbank's Advantage Direct Savings offers 3.85% APY with no bundling, direct deposit requirement or caps.
Shared Benefits
Over a 1-year period, Ivy Bank's High-Yield Savings Account pays $25 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.
Executive Summary as of
Ivy Bank's High-Yield Savings Account offers a competitive 4.10% APY, making it the winner in this comparison. This account is available online only and requires a minimum deposit and balance of $2,500, with no maintenance fees. In contrast, FVCbank's Advantage Direct Savings provides a solid 3.85% APY, also online only, with a lower minimum deposit of $500 and no direct deposit requirement. Both accounts are FDIC insured and have no maintenance fees, but Ivy Bank's account is restricted to residents of California and U.S. Territories (excluding the District of Columbia). For those seeking higher yields, Ivy Bank is the preferable option.
The analysis is based on current Banksparency database records
* This content is provided for informational purposes only; always verify details with the provider.
Non-sponsored link to official site
Non-sponsored link to official site
Top Market Contenders
FVCbank vs. Ivy Bank Savings Calculator
You earn $25 more with Ivy Bank 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.
FVCbank
Advantage Direct Savings
Savings Breakdown
- Interest Earned+$385.00(3.7%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,385.00
Ivy Bank
High-Yield Savings Account
Savings Breakdown
- Interest Earned+$410.00(3.9%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,410.00
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
| Feature | FVCbank | Ivy Bank |
|---|---|---|
| APY | 3.85% Verified: 1/7/2026 ↘︎ 0.25%90d Change | 4.10% Range: 0.05% - 4.10% Verified: 1/7/2026 - |
| Product Name | Advantage Direct Savings | High-Yield Savings Account |
| Minimum Deposit | $500 | $2,500 |
| Min. Balance for APY | $500 | $2,500 |
| 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 | iOS4.4 Android3.6 | iOS4.7 Android3.5 |
| Zelle® Support | Available Integrated into mobile app. | Not Supported |
| BBB Rating | B- | A- |
| Next Steps | Visit SiteVerify at FVCbank Non-sponsored link to official site | Visit SiteVerify at Ivy Bank Non-sponsored link to official site |
📈 Compare Savings Rates Over Time
Historical Performance
| Metric | FVCbank | Ivy Bank |
|---|---|---|
| Advantage Direct Savings | High-Yield Savings Account | |
Current APY | 3.85% | 4.10% |
Trend | Stable | Stable |
Velocity (bps/mo) | 0.0 | -11.9 |
Days Since Change | 54 | 22 |
2-Month High | 3.85% | 4.25% |
2-Month Low | 3.85% | 4.10% |
Adjustments / Mo | 0.00 | 0.55 |
Volatility Score | 0.000 | 0.018 |
How to read these metrics(Click to expand)
Compare Similar High-Yield Accounts
Compare FVCbank vs...
Comparing against Standard Savings
Compare Ivy Bank vs...
Comparing against Standard Savings
High Rates (With Checking Bundle)
Looking for something different? Check out these top-rated alternatives.