FVCbank vs. Jenius Bank
Compare rates, requirements, and features side-by-side to find the best option for you.
| Metric | FVCbankAdvantage Direct Savings Jan 9, 2026 | Jenius BankJenius Savings Jan 9, 2026 |
|---|---|---|
| APY | 3.85% | 4.05% |
Est. Earnings | $5,000+$193 $10,000+$385 $25,000+$963 | $5,000+$203 $10,000+$405 $25,000+$1,013 |
Min Deposit | $500 | $0 |
Snapshot view. Rates subject to change. | ||
| Features | FDIC InsuredLow MinimumsGreat iOS AppZelle® Supported | FDIC InsuredNo Minimums |
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.
Comparison Analysis
Comparing FVCbank vs. Jenius Bank
As of FVCbank offers an APY of 3.85% for its Advantage Direct Savings account, with a minimum balance of $500, compared to Jenius Bank's 4.05% APY for its Jenius Savings account, with a minimum balance of $0.
Jenius Bank pays $20 more than FVCbank on a $10,000 balance after one year. FVCbank pays $385, while Jenius Bank pays $405 - an APY advantage for Jenius Bank.
Why FVCbank?
- ✓Higher rated iOS app (4.4 vs 4.0)
- ✓Fast transfers via Zelle®
Why Jenius Bank?
- ✓Higher potential APY (4.05% vs 3.85%) on all balances
— Key Feature Differences —
Better Returns at $10,000
Jenius BankJenius Bank's Jenius Savings earns more on smaller deposits (approx. $405 vs $385/yr).
Better Returns at $25,000
Jenius BankJenius Bank's Jenius Savings pulls ahead with larger amounts (approx. $1013 vs $963/yr).
Best for Simplicity
Jenius BankJenius Bank's Jenius Savings offers 4.05% APY with no bundling, direct deposit requirement or caps.
Shared Benefits
Over a 1-year period, Jenius Bank's Jenius Savings pays $20 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
Jenius Bank offers a competitive Jenius Savings account with an APY of 4.05%, making it the top choice between the two banks. This account has no minimum deposit or balance requirements, and it does not charge any maintenance fees, providing a straightforward savings option. In contrast, FVCbank's Advantage Direct Savings account offers a slightly lower APY of 3.85% and requires a minimum deposit and balance of $500, although it also has no maintenance fees. Both accounts are online-only and do not require direct deposit, but Jenius Bank stands out for its higher yield.
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. Jenius Bank Savings Calculator
You earn $20 more with Jenius 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
Jenius Bank
Jenius Savings
Savings Breakdown
- Interest Earned+$405.00(3.9%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,405.00
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
| Feature | FVCbank | Jenius Bank |
|---|---|---|
| APY | 3.85% Verified: 1/9/2026 ↘︎ 0.25%90d Change | 4.05% Verified: 1/9/2026 ↘︎ 0.15%90d Change |
| Product Name | Advantage Direct Savings | Jenius Savings |
| Minimum Deposit | $500 | $0 |
| Min. Balance for APY | $500 | $0 |
| 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 | iOS4.0 Android3.6 |
| 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 Jenius Bank Non-sponsored link to official site |
📈 Compare Savings Rates Over Time
Historical Performance
| Metric | FVCbank | Jenius Bank |
|---|---|---|
| Advantage Direct Savings | Jenius Savings | |
Current APY | 3.85% | 4.05% |
Trend | Stable | Stable |
Velocity (bps/mo) | -8.5 | -1.5 |
Days Since Change | 69 | 52 |
10-Month High | 4.55% | 4.20% |
10-Month Low | 3.85% | 4.05% |
Adjustments / Mo | 0.81 | 0.10 |
Volatility Score | 0.063 | 0.015 |
How to read these metrics(Click to expand)
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