Fvcbank vs. Quontic Bank
High-Yield Savings Account Comparison
By Aviel Fahl|Last Updated: November 12, 2025
We earn a commission if you open an account through some links on this page.
Summary of FVCbank vs. Quontic Bank
Key Metrics at a Glance
| Feature | FVCbank | Quontic Bank |
|---|---|---|
| Top Savings APY | 3.85% Advantage Direct Savings | 3.75% High Yield Savings |
| Minimum to Open | $500 | $100 |
| Minimum Balance for Top APY | $500 | $0 |
FVCbank
Strengths
- FVCbank offers a higher APY of 3.85% compared to Quontic Bank's 3.75%.
- FVCbank has no maintenance fees for the Advantage Direct Savings account.
- FVCbank's App Store rating is 4.4, higher than Quontic Bank's 4.8.
Potential Drawbacks
- FVCbank's APY decreased from 4.10% in the last 30 days.
- FVCbank requires a minimum deposit of $500 to open the account.
- FVCbank has a lower Google Play rating of 3.6 compared to Quontic Bank.
Quontic Bank
Strengths
- Quontic Bank has no minimum balance requirement for its High Yield Savings account.
- Quontic Bank's App Store and Google Play ratings are both 4.8.
- Quontic Bank has no maintenance fees for the High Yield Savings account.
Potential Drawbacks
- Quontic Bank's APY is lower at 3.75% compared to FVCbank's 3.85%.
- Quontic Bank has no physical branches for banking.
- Quontic Bank is not BBB accredited despite an A+ rating.
→ As of November 12, 2025 FVCbank offers an APY of 3.85% for its Advantage Direct Savings account, with a minimum balance of $500, compared to Quontic Bank's 3.75% APY for its High Yield Savings account, with a minimum balance of $0.
→ FVCbank yields $10 more than Quontic Bank on a $10,000 balance after one year. FVCbank pays $385, while Quontic Bank pays $375 - an APY advantage for FVCbank.
Calculate Savings Growth for FVCbank vs Quontic Bank
FVCbank - Advantage Direct Savings
Total savings breakdown:
- Interest earned: $2,338 (11.50%)
- Total contributions: $13,000 (63.92%)
- Initial deposit: $5,000 (24.58%)
Your total balance
$20,338.00
Total balance: $20,338
Earnings: $2,338
Bank OverviewQuontic Bank - High Yield Savings
Total savings breakdown:
- Interest earned: $2,273.8 (11.22%)
- Total contributions: $13,000 (64.12%)
- Initial deposit: $5,000 (24.66%)
Your total balance
$20,273.80
Total balance: $20,273.8
Earnings: $2,273.8
Bank OverviewWith a $5,000 initial deposit and $13,000 in total contributions over 5 years, FVCbank's total earnings would be $64.2 higher than Quontic Bank's total earnings.
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
Compare FVCbank's vs Quontic Bank's Savings Accounts
| FVCbank | Quontic Bank | ||
|---|---|---|---|
| Product | Advantage Direct Savings | vs | High Yield Savings |
| APY | 3.85% (as of 11/12/2025) | 3.75% (as of 11/12/2025) | |
| Bundled Account | No | No | |
| FDIC-insured | Yes | Yes | |
| Online Only | Yes | Yes | |
| Compound Frequency | N/A | Daily | |
| Minimum Deposit | $500 | $100 | |
| Minimum Balance for APY | $500 | $0 | |
| Maintenance Fee | $0 | $0 | |
| Direct Deposit Required | No | No | |
| App Store Rating | 4.4/5 | 4.8/5 | |
| Google Play Rating | 3.6/5 | 4.8/5 | |
| BBB Rating | A+ | A+ |
Comparative Historical APY Insights (Last 8 Months)
| FVCbank | Quontic Bank | ||
|---|---|---|---|
| Product | Advantage Direct Savings | vs | High Yield Savings |
| Latest APY | 3.85 % | 3.75 % | |
| Trend | Falling | Sideways | |
| Slope (bps/mo) | -7.1 | -1.8 | |
| Rate Changes / Mo | 1.00 | 0.13 | |
| Days Since Last Change | 12 | 139 | |
| High (-8 m) | 4.55 % | 3.85 % | |
| Low (-8 m) | 3.85 % | 3.75 % | |
| Draw-down from High | -15.4 % | -2.6 % | |
| Volatility (CV) | 0.044 | 0.013 |
APY Insights Glossary
- Latest APY
- Most recent advertised annual-percentage yield.
- Trend
- Direction over the last 8 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 (-8 m)
- Highest APY in the last 239 days.
- Low (-8 m)
- Lowest APY in the last 239 days.
- Draw-down from High
- How far today sits below the 8-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.