High-Yield Savings Account Comparison

FVCbank vs. Peak Bank

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

Peak Bank

Envision High Yield Savings

4.20%
APY
Dec 6, 2025
FDIC InsuredLow MinimumsGreat iOS AppGreat Android App
Show Fine Print & Trends
Min. Deposit$100
Min. Balance$0
Maintenance Fee$0
Compound FreqDaily
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 58095)
EligibilityUnited States
Mobile Ratings
iOS:4.8Android:4.6
BBB Rating
A+(Not BBB Accredited)

Rate Stability

Rate Adjusted
-0.15%
Since 90 days ago
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. Peak Bank

Updated: Dec 6, 2025

Why FVCbank?

No distinct advantages found vs Peak Bank.

Why Peak Bank?

  • ✓Higher potential APY (4.20% vs 3.85%) on all balances
  • ✓Higher rated iOS app (4.8 vs 4.4)
  • ✓Higher rated Android app (4.6 vs 3.6)

— Key Feature Differences —

Better Returns at $10,000
Peak Bank

Peak Bank's Envision High Yield Savings earns more on smaller deposits (approx. $420 vs $385/yr).

Better Returns at $25,000
Peak Bank

Peak Bank's Envision High Yield Savings pulls ahead with larger amounts (approx. $1050 vs $963/yr).

Best for Simplicity
Peak Bank

Peak Bank's Envision High Yield Savings offers 4.20% APY with no bundling, direct deposit requirement or caps.

Best Mobile App Experience
Peak Bank

Peak Bank offers an iOS app rated 4.8 (vs. 4.4) and Android app rated 4.6 (vs. 3.6)

Shared Benefits

Both offer monthly maintenance-free account options Available Nationwide Available to New & Existing Customers
The Bottom Line

Over a 1-year period, Peak Bank's Envision High Yield Savings pays $35 more interest on a $10,000 balance than FVCbank's Advantage Direct Savings.

FVCbankPeak Bank
Automated Data Audit

Executive Summary

Peak Bank offers a competitive Envision High Yield Savings account with an APY of 4.20%, making it the winner among the two banks. This account does not require direct deposit and has a low minimum deposit of $100, with no maintenance fees, making it accessible and straightforward for customers. In comparison, FVCbank's Advantage Direct Savings account provides a lower APY of 3.85% and requires a minimum deposit of $500. Both accounts are online-only and FDIC insured, but Peak Bank stands out for its higher returns and user-friendly features.

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.

ExploreFVCbankExplorePeak Bank

Top Market Contenders

See who beats both FVCbank and Peak Bank.

Compare All High-Yield Savings Accounts
Pibank
Pibank Savings
FDIC InsuredNo Minimums
4.60% APY
+0.40% vs Peak Bank
Better Rate
Pibank vs FVCbankPibank vs Peak Bank
Neighbors Bank
Neighbors Savings Account
FDIC InsuredNo MinimumsGreat Android App
4.50% APY
+0.30% vs Peak Bank
Better Rate
Neighbors Bank vs FVCbankNeighbors Bank vs Peak Bank
Axos Bank
Axos ONE
FDIC InsuredNo MinimumsGreat iOS AppGreat Android App
4.31% APY
+0.11% vs Peak Bank
Better Rate
Axos Bank vs FVCbankAxos Bank vs Peak Bank
FeatureFVCbankPeak Bank
APY
3.85%
Verified: 12/6/2025
↘︎ 0.50%90d Change
4.20%
Verified: 12/6/2025
↘︎ 0.15%90d Change
Product NameAdvantage Direct SavingsEnvision High Yield Savings
Minimum Deposit$500$100
Min. Balance for APY$500N/A
Monthly Fee$0$0
Branch AccessNoneNone
Account Type
Online Only
Online Only
Direct Deposit Req.NoneNone
Checking BundleNoNo
Mobile Apps
iOS4.4
Android3.6
iOS4.8
Android4.6
BBB RatingB-A+
Next Steps
- View Details
- View Details

Savings Comparison

Calculations based on current APY.
$
$

Peak Bank earns $226.3 more than FVCbank.

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

Peak Bank

Envision High Yield Savings

4.20% APY

Savings Breakdown

  • Interest Earned
    +$2,564.30(12.5%)
  • Total Contributions
    $13,000
  • Initial Deposit
    $5,000

Projected Balance

$20,564.30

Effective APY
4.20%
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 9 Months Analysis
MetricFVCbankPeak Bank
Advantage Direct SavingsEnvision High Yield Savings
Current APY
3.85%4.20%
Trend
 Stable Stable
Velocity (bps/mo)
-8.3-4.5
Days Since Change
3566
9-Month High
4.55%4.54%
9-Month Low
3.85%4.20%
Adjustments / Mo
0.920.34
Volatility Score
0.0560.028
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 262-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 High-Yield Accounts

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 Peak Bank vs...

Comparing against Standard Savings

vs Peak Bank
PibankNo Bundle Req
4.60%
APY
vs Peak Bank
Neighbors BankNo Bundle Req
4.50%
APY
vs Peak Bank
TIMBRNo Bundle Req
4.40%
APY

Higher Rates (With Checking)

Looking for something different? Check out these top-rated alternatives.

Checking Bundle
Axos Bank View Details
4.31%
APY
Checking Bundle
SoFi Bank View Details
4.30%
APY
Checking Bundle
Presidential Bank View Details
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 GO2bank4.50%$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 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 Peak Bank's APY of 4.20% with other banks
Bank PairCompetitor APYMin Deposit
Peak Bank vs Ally Bank3.30%$0
Peak Bank vs American Express3.40%$0
Peak Bank vs Axos Bank4.31%$0
Peak Bank vs Bank of America0.01%$100
Peak Bank vs Barclays4.00%$0
Peak Bank vs Bask Bank3.90%$0
Peak Bank vs BMO Alto3.25%$0
Peak Bank vs BrioDirect4.00%$5,000
Peak Bank vs Capital One3.40%$0
Peak Bank vs Chase Bank0.01%$0
Peak Bank vs Chime3.50%$0
Peak Bank vs CIT Bank3.75%$100
Peak Bank vs Citibank3.30%$0
Peak Bank vs Citizens Access™3.35%$0.01
Peak Bank vs Climate First Bank4.21%$50
Peak Bank vs Discover Bank3.40%$0
Peak Bank vs Elevault4.08%$0
Peak Bank vs EverBank4.05%$0
Peak Bank vs Fitness Bank4.75%$100
Peak Bank vs FNBO Direct3.00%$1
Peak Bank vs Forbright Bank4.00%$0
Peak Bank vs GO2bank4.50%$0
Peak Bank vs Ivy Bank4.25%$2,500
Peak Bank vs LendingClub4.20%$0
Peak Bank vs Marcus by Goldman Sachs3.65%$0
Peak Bank vs Neighbors Bank4.50%$0
Peak Bank vs Newtek Bank4.35%$0.01
Peak Bank vs Openbank4.20%$500
Peak Bank vs Pibank4.60%$0
Peak Bank vs PNC3.53%$0
Peak Bank vs Presidential Bank4.00%$5,000
Peak Bank vs Quontic Bank3.75%$100
Peak Bank vs Salem Five Direct3.71%$10
Peak Bank vs Santander Bank0.01%$25
Peak Bank vs SoFi Bank4.30%$0
Peak Bank vs Synchrony Bank3.65%$0
Peak Bank vs TIMBR4.40%$1,000
Peak Bank vs UFB Direct3.71%$5000
Peak Bank vs Valley Direct4.10%$1,000
Peak Bank vs Varo Bank5.00%$0
Peak Bank vs Vio Bank4.16%$100
Peak Bank vs Wealthfront4.15%$0
Peak Bank vs Wells Fargo0.05%$25
Peak Bank vs Zynlo Bank4.05%$10