FVCbank vs. Presidential Bank
Compare rates, requirements, and features side-by-side to find the best option for you.
FVCbank
Advantage Direct Savings
3.85%APYDec 6, 2025FDIC InsuredLow MinimumsGreat iOS AppShow Fine Print & Trends Hide Details
FVCbank
Advantage Direct Savings
Presidential Bank
Advantage Savings
Up to4.00%APYDec 6, 2025FDIC InsuredMod. MinimumDirect Deposit ReqChecking BundleGreat iOS AppGreat Android AppIn-Person AccessRange: 3.50% – 4.00%Show Fine Print & Trends Hide Details
Presidential Bank
Advantage Savings
Market Reality Check
Both of these banks offer rates below the current top tier. The best rates we track are currently above 4.25% APY.
Comparison Analysis
Comparing FVCbank vs. Presidential Bank
Why FVCbank?
- ✓No checking account or direct deposit required
Why Presidential Bank?
- ✓Higher potential APY (4.00% vs 3.85%) on all balances
- ✓Physical branch access (10 locations in Maryland, Virginia and Washington D.C.)
- ✓Higher rated iOS app (4.8 vs 4.4)
- ✓Higher rated Android app (4.1 vs 3.6)
— Key Feature Differences —
Better Returns at $10,000
Presidential BankPresidential Bank's Advantage Savings earns more on smaller deposits (approx. $400 vs $385/yr).
Better Returns at $25,000
Presidential BankPresidential Bank's Advantage Savings pulls ahead with larger amounts (approx. $1000 vs $963/yr).
Best for Simplicity
FVCbankFVCbank's Advantage Direct Savings offers 3.85% APY with no bundling, direct deposit requirement or caps.
Best for All-in-One Banking
Presidential BankPresidential Bank's Advantage Savings pays a superior APY for customers who also open a checking account.
Best Mobile App Experience
Presidential BankPresidential Bank offers an iOS app rated 4.8 (vs. 4.4) and Android app rated 4.1 (vs. 3.6)
Shared Benefits
Over a 1-year period, Presidential Bank's Advantage Savings pays $15 more interest on a $10,000 balance than FVCbank's Advantage Direct Savings.
Executive Summary
Presidential Bank's Advantage Savings leads with a 4.00% APY, requiring a monthly direct deposit of $500 into an Advantage Checking Account, making it an excellent choice for those seeking higher returns and an integrated banking experience. In contrast, FVCbank's Advantage Direct Savings offers a competitive 3.85% APY with no direct deposit requirement, minimum deposit of $500, and no maintenance fees, appealing to those who prefer simplicity and online banking. Both banks provide FDIC insurance, but eligibility for the higher APY at Presidential Bank is contingent on maintaining a checking account.
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.
Top Market Contenders
See who beats both FVCbank and Presidential Bank.
| Feature | FVCbank | Presidential Bank |
|---|---|---|
| APY | 3.85% Verified: 12/6/2025 ↘︎ 0.50%90d Change | 4.00% Range: 3.50% - 4.00% Verified: 12/6/2025 ↘︎ 0.50%90d Change |
| Product Name | Advantage Direct Savings | Advantage Savings |
| Minimum Deposit | $500 | $5,000 |
| Min. Balance for APY | $500 | N/A |
| Monthly Fee | $0 | $0 |
| Branch Access | None | Yes |
| Account Type | Online Only | Online & Branches |
| Direct Deposit Req. | None | RequiredTo earn the higher APY you need a monthly direct deposit into an Advantage Checking Account of $500. |
| Checking Bundle | No | Yes |
| Mobile Apps | iOS4.4 Android3.6 | iOS4.8 Android4.1 |
| BBB Rating | B- | A- |
| Next Steps |
Savings Comparison
Presidential Bank earns $96.7 more than FVCbank.
FVCbank
Advantage Direct Savings
Savings Breakdown
- Interest Earned+$2,338.00(11.5%)
- Total Contributions$13,000
- Initial Deposit$5,000
Projected Balance
$20,338.00
Presidential Bank
Advantage Savings
Savings Breakdown
- Interest Earned+$2,434.70(11.9%)
- Total Contributions$13,000
- Initial Deposit$5,000
Projected Balance
$20,434.70
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
📈 Compare Savings Rates Over Time
Historical Performance
| Metric | FVCbank | Presidential Bank |
|---|---|---|
| Advantage Direct Savings | Advantage Savings | |
Current APY | 3.85% | 4.00% |
Trend | Stable | Stable |
Velocity (bps/mo) | -8.3 | -3.3 |
Days Since Change | 35 | 15 |
9-Month High | 4.55% | 4.50% |
9-Month Low | 3.85% | 4.00% |
Adjustments / Mo | 0.92 | 0.23 |
Volatility Score | 0.056 | 0.033 |
How to read these metrics(Click to expand)
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