FVCbank vs. Pibank
Compare rates, requirements, and features side-by-side to find the best option for you.
| Metric | FVCbankAdvantage Direct Savings Jan 21, 2026 | PibankPibank Savings Jan 21, 2026 |
|---|---|---|
| APY | 3.85% | 4.60% |
Est. Earnings | $5,000+$193 $10,000+$385 $25,000+$963 | $5,000+$230 $10,000+$460 $25,000+$1,150 |
Min Deposit | $500 | $0 |
Snapshot view. Rates subject to change. | ||
| Features | FDIC InsuredLow MinimumsGreat iOS AppZelle® Supported | FDIC InsuredNo Minimums |
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.
As of FVCbank offers an APY of 3.85% 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 pays $75 more than FVCbank on a $10,000 balance after one year. FVCbank pays $385, while Pibank pays $460 - an APY advantage for Pibank.
Why FVCbank?
- ✓Higher rated iOS app (4.4 vs 2.3)
- ✓Fast transfers via Zelle®
Why Pibank?
- ✓Higher potential APY (4.60% vs 3.85%) on all balances
— Key Feature Differences —
Better Returns at $10,000
PibankPibank's Pibank Savings earns more on smaller deposits (approx. $460 vs $385/yr).
Better Returns at $25,000
PibankPibank's Pibank Savings pulls ahead with larger amounts (approx. $1150 vs $963/yr).
Best for Simplicity
PibankPibank's Pibank Savings offers 4.60% APY with no bundling, direct deposit requirement or caps.
Shared Benefits
Over a 1-year period, Pibank's Pibank Savings pays $75 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
Pibank offers a competitive savings product, the Pibank Savings, with an impressive APY of 4.60%, making it the clear winner between the two banks. This account requires a minimum balance of just $0.01 and has no maintenance fees, providing better returns compared to FVCbank's Advantage Direct Savings, which offers a lower APY of 3.85% with a minimum deposit and balance of $500. Both banks provide online-only accounts with no direct deposit requirements, but Pibank stands out for its higher yield and simplicity.
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
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FVCbank vs. Pibank Savings Calculator
You earn $75 more with Pibank 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
Pibank
Pibank Savings
Savings Breakdown
- Interest Earned+$460.00(4.4%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,460.00
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
| Feature | FVCbank | Pibank |
|---|---|---|
| APY | 3.85% Verified: 1/21/2026 ↘︎ 0.25%90d Change | 4.60% Verified: 1/21/2026 Stable (90d) |
| Product Name | Advantage Direct Savings | Pibank Savings |
| Minimum Deposit | $500 | $0 |
| Min. Balance for APY | $500 | $0.01 |
| 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 | iOS2.3 Android1.7 |
| 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 Pibank Non-sponsored link to official site |
📈 Compare Savings Rates Over Time
Historical Performance
| Metric | FVCbank | Pibank |
|---|---|---|
| Advantage Direct Savings | Pibank Savings | |
Current APY | 3.85% | 4.60% |
Trend | Stable | Stable |
Velocity (bps/mo) | -8.4 | -0.0 |
Days Since Change | 81 | 307 |
10-Month High | 4.55% | 4.60% |
10-Month Low | 3.85% | 4.60% |
Adjustments / Mo | 0.78 | 0.00 |
Volatility Score | 0.064 | 0.000 |
How to read these metrics(Click to expand)
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