Fvcbank vs Pibank
High-Yield Savings Accounts Comparison
Last Updated: September 5, 2025
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Summary of FVCbank vs. Pibank
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 Pibank's 4.60% APY for its Pibank Savings account, with a minimum balance of $0.01.
Pibank yields $25 more than FVCbank on a $10,000 balance after one year. FVCbank pays $435, while Pibank pays $460 - an APY advantage for Pibank.
FVCbank
Strengths
- FVCbank has a higher BBB rating of A+.
- FVCbank's Advantage Direct Savings has a maintenance fee of $0.
- FVCbank's App Store rating is 4.4.
Potential Drawbacks
- FVCbank has no physical branches.
- FVCbank's current APY is 4.35%, lower than Pibank's 4.60%.
Pibank
Strengths
- Pibank offers a higher APY of 4.60%.
- Pibank has no minimum deposit requirement for its savings account.
- Pibank's current APY has remained stable at 4.60%.
Potential Drawbacks
- Pibank's BBB rating is A and not accredited.
- Pibank's App Store rating is only 2.4.
- Pibank has no physical branches.
Summary: FVCbank and Pibank both offer online-only high-yield savings accounts, but Pibank provides a higher APY of 4.60% compared to FVCbank's 4.35%. FVCbank has a better BBB rating of A+ and a higher App Store rating of 4.4, while Pibank lacks accreditation and has lower ratings on both app platforms. Both banks have no branch presence, but Pibank has no minimum deposit requirement.
Compare FVCbank's vs Pibank's Savings Accounts
| FVCbank | Pibank | ||
|---|---|---|---|
| Product | Advantage Direct Savings | vs | Pibank Savings |
| APY | 4.35% (as of 9/5/2025) | 4.60% (as of 9/5/2025) | |
| Bundled Account | No | No | |
| FDIC-insured | Yes | Yes | |
| Online Only | Yes | Yes | |
| Compound Frequency | N/A | Daily | |
| Minimum Deposit | $500 | $0 | |
| Minimum Balance for APY | $500 | $0.01 | |
| Maintenance Fee | $0 | $0 | |
| Direct Deposit Required | No | No | |
| App Store Rating | 4.4/5 | 2.4/5 | |
| Google Play Rating | 3.4/5 | 1.8/5 | |
| BBB Rating | A+ | A |
Comparative Historical APY Insights (Last 6 Months)
| FVCbank | Pibank | ||
|---|---|---|---|
| Product | Advantage Direct Savings | vs | Pibank Savings |
| Latest APY | 4.35 % | 4.60 % | |
| Trend | Sideways | Sideways | |
| Slope (bps/mo) | -4.6 | 0.0 | |
| Rate Changes / Mo | 0.71 | 0.00 | |
| Days Since Last Change | 42 | 169 | |
| High (-6 m) | 4.55 % | 4.60 % | |
| Low (-6 m) | 4.35 % | 4.60 % | |
| Draw-down from High | -4.4 % | 0.0 % | |
| Volatility (CV) | 0.019 | 0.000 |
APY Insights Glossary
- Latest APY
- Most recent advertised annual-percentage yield.
- Trend
- Direction over the last 6 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 (-6 m)
- Highest APY in the last 170 days.
- Low (-6 m)
- Lowest APY in the last 170 days.
- Draw-down from High
- How far today sits below the 6-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 Pibank
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 OverviewPibank
APY: 4.60%
Total savings breakdown:
- Interest earned: $2,825.8 (13.57%)
- Total contributions: $13,000 (62.42%)
- Initial deposit: $5,000 (24.01%)
Your total balance
$20,825.80
Effective APY: 4.60% (based on your deposit and contributions)
Total balance: $20,825.8
Earnings: $2,825.8
Bank OverviewWith a $5,000 initial deposit and $13,000 in total contributions over 5 years, FVCbank's total earnings would be $163.8 lower than Pibank'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 GO2bank | 4.50% | $0 |
| 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 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 Pibank's APY of 4.60% with other banks
| Bank Pair | Competitor APY | Min Deposit |
|---|---|---|
| Pibank vs Ally Bank | 3.50% | $0 |
| Pibank vs American Express | 3.50% | $0 |
| Pibank vs Axos Bank | 4.46% | $0 |
| Pibank vs Bank of America | 0.01% | $100 |
| Pibank vs Barclays | 4.10% | $0 |
| Pibank vs BrioDirect | 4.30% | $5,000 |
| Pibank vs Capital One | 3.50% | $0 |
| Pibank vs Chase Bank | 0.01% | $0 |
| Pibank vs Chime | 3.75% | $0 |
| Pibank vs CIT Bank | 4.00% | $100 |
| Pibank vs Discover Bank | 3.50% | $0 |
| Pibank vs Elevault | 4.60% | $0 |
| Pibank vs EverBank | 4.30% | $0 |
| Pibank vs Fitness Bank | 4.75% | $100 |
| Pibank vs GO2bank | 4.50% | $0 |
| Pibank vs Marcus by Goldman Sachs | 3.65% | $0 |
| Pibank vs Neighbors Bank | 4.60% | $0 |
| Pibank vs Newtek Bank | 4.35% | $0 |
| Pibank vs Peak Bank | 4.35% | $100 |
| Pibank vs Presidential Bank | 4.50% | $5,000 |
| Pibank vs Santander Bank | 0.03% | $25 |
| Pibank vs SoFi Bank | 3.80% | $0 |
| Pibank vs Synchrony Bank | 3.80% | $0 |
| Pibank vs TIMBR | 4.40% | $1,000 |
| Pibank vs UFB Direct | 4.21% | $5000 |
| Pibank vs Varo Bank | 5.00% | $0 |
| Pibank vs Wells Fargo | 2.51% | $25 |
| Pibank vs Zynlo Bank | 4.35% | $10 |