FVCbank vs. PNC
Compare rates, requirements, and features side-by-side to find the best option for you.
| Metric | FVCbankAdvantage Direct Savings Jan 7, 2026 | PNCPNC High Yield Savings Jan 7, 2026 |
|---|---|---|
| APY | 3.85% | 3.30% |
Est. Earnings | $5,000+$193 $10,000+$385 $25,000+$963 | $5,000+$165 $10,000+$330 $25,000+$825 |
Min Deposit | $500 | $0 |
Snapshot view. Rates subject to change. | ||
Terms | - | Eligibility restricted to select states. |
| Features | FDIC InsuredLow MinimumsGreat iOS AppZelle® Supported | FDIC InsuredNo MinimumsGreat 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.
As of FVCbank offers an APY of 3.85% for its Advantage Direct Savings account, with a minimum balance of $500, compared to PNC's 3.30% APY for its PNC High Yield Savings account, with a minimum balance of $0.
FVCbank pays $55 more than PNC on a $10,000 balance after one year. FVCbank pays $385, while PNC pays $330 - an APY advantage for FVCbank.
In addition, PNC also offers 0.03% APY for the Standard Savings account, with a minimum balance of $1.
Why FVCbank?
- ✓Higher potential APY (3.85% vs 3.30%) on all balances
- ✓Available Nationwide
Why PNC?
- ✓Physical branch access (Multiple branches in AL, AZ, CA, CO, DE, DC, FL, GA, IL, IN, KS, KY, MD, MA, MI, MO, NJ, NM, NY, NC, OH, PA, SC, TN, TX, VA, WV, WI)
- ✓Higher rated iOS app (4.9 vs 4.4)
- ✓Higher rated Android app (4.6 vs 3.6)
— Key Feature Differences —
Better Returns at $10,000
FVCbankFVCbank's Advantage Direct Savings earns more on smaller deposits (approx. $385 vs $330/yr).
Better Returns at $25,000
FVCbankFVCbank's Advantage Direct Savings pulls ahead with larger amounts (approx. $963 vs $825/yr).
Best for Simplicity
FVCbankFVCbank's Advantage Direct Savings offers 3.85% APY with no bundling, direct deposit requirement or caps.
Best Mobile App Experience
PNCPNC offers an iOS app rated 4.9 (vs. 4.4) and Android app rated 4.6 (vs. 3.6)
Shared Benefits
Over a 1-year period, FVCbank's Advantage Direct Savings pays $55 more interest on a $10,000 balance than PNC's PNC High Yield Savings.
*This calculation assumes current rates remain consistent for 1 year and does not include temporary bonuses.
Executive Summary as of
FVCbank offers a competitive Advantage Direct Savings account with a high APY of 3.85%, making it an attractive option for savers looking for simplicity, as it has no direct deposit requirement or maintenance fees. In contrast, PNC's highest yielding product, the PNC High Yield Savings, offers a lower APY of 3.30% and is limited to residents in select states. PNC also has a Standard Savings account with a minimal APY of 0.03%, which does not provide substantial returns. Overall, FVCbank stands out as the better choice for higher savings rates.
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. PNC Savings Calculator
You earn $55 more with FVCbank than PNC 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
PNC
PNC High Yield Savings
Savings Breakdown
- Interest Earned+$330.00(3.2%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,330.00
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
| Feature | FVCbank | PNC |
|---|---|---|
| APY | 3.85% Verified: 1/7/2026 ↘︎ 0.25%90d Change | 3.30% Verified: 1/7/2026 ↘︎ 0.55%90d Change |
| Product Name | Advantage Direct Savings | PNC High Yield Savings |
| Minimum Deposit | $500 | $0 |
| Min. Balance for APY | $500 | $0 |
| 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 Android4.6 |
| Zelle® Support | Available Integrated into mobile app. | Available Limit: $2,000/dayCentral to Virtual Wallet suite. |
| BBB Rating | B- | A+ |
| Important Notes | - | Eligibility restricted to select states. |
| Next Steps | Visit SiteVerify at FVCbank Non-sponsored link to official site | Visit SiteVerify at PNC Non-sponsored link to official site |
📈 Compare Savings Rates Over Time
Historical Performance
| Metric | FVCbank | PNC | |
|---|---|---|---|
| Advantage Direct Savings | PNC High Yield Savings | Standard Savings | |
Current APY | 3.85% | 3.30% | 0.03% |
Trend | Stable | Stable | Stable |
Velocity (bps/mo) | -8.5 | -6.1 | 0.1 |
Days Since Change | 67 | 21 | 251 |
10-Month High | 4.55% | 3.95% | 0.03% |
10-Month Low | 3.85% | 3.30% | 0.01% |
Adjustments / Mo | 0.82 | 0.41 | 0.10 |
Volatility Score | 0.063 | 0.058 | 0.249 |
How to read these metrics(Click to expand)
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High Rates (With Checking Bundle)
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