FVCbank vs. MutualOne Bank
Compare rates, requirements, and features side-by-side to find the best option for you.
| Metric | FVCbankAdvantage Direct Savings Jan 7, 2026 | MutualOne BankMo Premium Savings Jan 7, 2026 |
|---|---|---|
| APY | 3.85% | 4.07% |
Est. Earnings | $5,000+$193 $10,000+$385 $25,000+$963 | $5,000+$0 $10,000+$0 $25,000+$1,018 |
Min Deposit | $500 | $20,000 |
Snapshot view. Rates subject to change. | ||
| Features | FDIC InsuredLow MinimumsGreat iOS AppZelle® Supported | FDIC InsuredHigh MinimumGreat iOS AppGreat Android AppIn-Person AccessZelle® Supported |
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.
Comparison Analysis
Comparing FVCbank vs. MutualOne Bank
As of FVCbank offers an APY of 3.85% for its Advantage Direct Savings account, with a minimum balance of $500, compared to MutualOne Bank's 4.07% APY for its Mo Premium Savings account, with a minimum balance of $20,000.
MutualOne Bank pays $22 more than FVCbank on a $10,000 balance after one year. FVCbank pays $385, while MutualOne Bank pays $407 - an APY advantage for MutualOne Bank.
In addition, MutualOne Bank also offers 0.40% APY for the Online Savings account, with a minimum balance of 0.
Why FVCbank?
No distinct advantages found vs MutualOne Bank.
Why MutualOne Bank?
- ✓Higher potential APY (4.07% vs 3.85%)
- ✓Physical branch access (Full-service banking offices in Framingham, MA, and Natick, MA)
- ✓Higher rated iOS app (4.9 vs 4.4)
- ✓Higher rated Android app (4.4 vs 3.6)
— Key Feature Differences —
Better Returns at $10,000
FVCbankFVCbank's Advantage Direct Savings earns more on smaller deposits (approx. $385 vs $0/yr).
Better Returns at $25,000
MutualOne BankMutualOne Bank's Mo Premium Savings pulls ahead with larger amounts (approx. $1018 vs $963/yr).
Best for Simplicity
MutualOne BankMutualOne Bank's Mo Premium Savings offers 4.07% APY with no bundling, direct deposit requirement or caps.
Best Mobile App Experience
MutualOne BankMutualOne Bank offers an iOS app rated 4.9 (vs. 4.4) and Android app rated 4.4 (vs. 3.6)
Shared Benefits
Over a 1-year period, MutualOne Bank's Mo Premium Savings pays $22 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
FVCbank offers the Advantage Direct Savings account with a competitive APY of 3.85%, requiring a minimum deposit of $500 and is available online only. In contrast, MutualOne Bank features the Mo Premium Savings account, which provides a higher APY of 4.07% but requires a minimum deposit of $20,000. This account is not limited to online access and has no direct deposit requirement, making it simpler for customers. While FVCbank's account is advantageous for smaller deposits, MutualOne Bank's offering is superior for larger balances, making it the overall winner based on the highest APY.
The analysis is based on current Banksparency database records
* This content is provided for informational purposes only; always verify details with the provider.
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Non-sponsored link to official site
Top Market Contenders
FVCbank vs. MutualOne Bank Savings Calculator
You earn $44 more with MutualOne Bank than FVCbank on a $20,000 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+$770.00(3.7%)
- Total Contributions$0
- Initial Deposit$20,000
Projected Balance
$20,770.00
MutualOne Bank
Mo Premium Savings
Savings Breakdown
- Interest Earned+$814.00(3.9%)
- Total Contributions$0
- Initial Deposit$20,000
Projected Balance
$20,814.00
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
| Feature | FVCbank | MutualOne Bank |
|---|---|---|
| APY | 3.85% Verified: 1/7/2026 ↘︎ 0.25%90d Change | 4.07% Verified: 1/7/2026 Stable (90d) |
| Product Name | Advantage Direct Savings | Mo Premium Savings |
| Minimum Deposit | $500 | $20,000 |
| Min. Balance for APY | $500 | $20,000 |
| Monthly Fee | $0 | $0 |
| Branch Access | None | Yes |
| Account Type | Online Only | Online & Branches |
| Direct Deposit Req. | None | None |
| Checking Bundle | No | No |
| Mobile Apps | iOS4.4 Android3.6 | iOS4.9 Android4.4 |
| Zelle® Support | Available Integrated into mobile app. | Available Verified via website and app descriptions. |
| BBB Rating | B- | A+ |
| Next Steps | Visit SiteVerify at FVCbank Non-sponsored link to official site | Visit SiteVerify at MutualOne Bank Non-sponsored link to official site |
📈 Compare Savings Rates Over Time
Historical Performance
| Metric | FVCbank | MutualOne Bank | |
|---|---|---|---|
| Advantage Direct Savings | Online Savings | Mo Premium Savings | |
Current APY | 3.85% | 0.40% | 4.07% |
Trend | Stable | Stable | Stable |
Velocity (bps/mo) | -12.1 | 0.0 | -0.0 |
Days Since Change | 67 | 114 | 114 |
4-Month High | 4.45% | 0.40% | 4.07% |
4-Month Low | 3.85% | 0.40% | 4.07% |
Adjustments / Mo | 1.03 | 0.00 | 0.00 |
Volatility Score | 0.040 | 0.000 | 0.000 |
How to read these metrics(Click to expand)
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