High-Yield Savings Account Comparison

FVCbank vs. Synchrony Bank

Compare rates, requirements, and features side-by-side to find the best option for you.

Analysis by Aviel Fahl
Updated January 21, 2026
Comparison of FVCbank vs Synchrony Bank savings accounts
Metric

FVCbank

Advantage Direct Savings

Jan 21, 2026

Synchrony Bank

High Yield Savings

Jan 21, 2026
APY3.85%3.65%
Est. Earnings
$5,000+$193
$10,000+$385
$25,000+$963
$5,000+$183
$10,000+$365
$25,000+$912
Min Deposit
$500$0

Snapshot view. Rates subject to change.

Features
FDIC InsuredLow MinimumsGreat iOS AppZelle® Supported
FDIC InsuredNo MinimumsGreat iOS AppGreat Android App

Market Reality Check

Both of these banks offer rates below the current top tier. The best rates we track are currently above 4.20% APY.

See Top Rates

Comparison Analysis

Comparing FVCbank vs. Synchrony Bank

Updated: Jan 21, 2026

As of FVCbank offers an APY of 3.85% for its Advantage Direct Savings account, with a minimum balance of $500, compared to Synchrony Bank's 3.65% APY for its High Yield Savings account, with a minimum balance of $0.

FVCbank pays $20 more than Synchrony Bank on a $10,000 balance after one year. FVCbank pays $385, while Synchrony Bank pays $365 - an APY advantage for FVCbank.

Why FVCbank?

  • Higher potential APY (3.85% vs 3.65%) on all balances
  • Fast transfers via Zelle®

Why Synchrony Bank?

  • Higher rated iOS app (4.8 vs 4.4)
  • Higher rated Android app (4.5 vs 3.6)

— Key Feature Differences —

Better Returns at $10,000
FVCbank

FVCbank's Advantage Direct Savings earns more on smaller deposits (approx. $385 vs $365/yr).

Better Returns at $25,000
FVCbank

FVCbank's Advantage Direct Savings pulls ahead with larger amounts (approx. $963 vs $912/yr).

Best for Simplicity
FVCbank

FVCbank's Advantage Direct Savings offers 3.85% APY with no bundling, direct deposit requirement or caps.

Best Mobile App Experience
Synchrony Bank

Synchrony Bank offers an iOS app rated 4.8 (vs. 4.4) and Android app rated 4.5 (vs. 3.6)

Shared Benefits

Both offer monthly maintenance-free account options Available Nationwide Available to New & Existing Customers
The Bottom Line on APY (Interest Only)

Over a 1-year period, FVCbank's Advantage Direct Savings pays $20 more interest on a $10,000 balance than Synchrony Bank's High Yield Savings.

*This calculation assumes current rates remain consistent for 1 year and does not include temporary bonuses.

Synchrony BankFVCbank

Executive Summary as of

FVCbank offers a competitive Advantage Direct Savings account with an APY of 3.85%, making it the winner in this comparison. This account requires a minimum deposit and balance of $500 but has no maintenance fees or direct deposit requirements. In contrast, Synchrony Bank's High Yield Savings account provides a slightly lower APY of 3.65% with no minimum deposit or balance, also featuring no maintenance fees. Both accounts are online-only, providing straightforward options for savers.

The analysis is based on current Banksparency database records

* This content is provided for informational purposes only; always verify details with the provider.

Verify At
FVCbank

Non-sponsored link to official site

Verify At
Synchrony Bank

Non-sponsored link to official site

Top Market Contenders

Discover Bank
3.30% APY
Marcus by Goldman Sachs
3.65% APY

FVCbank vs. Synchrony Bank Savings Calculator

Calculations based on current APY for Advantage Direct Savings and High Yield Savings
$
$

You earn $20 more with FVCbank than Synchrony Bank 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

3.85% APY

Savings Breakdown

  • Interest Earned
    +$385.00(3.7%)
  • Total Contributions
    $0
  • Initial Deposit
    $10,000

Projected Balance

$10,385.00

Effective APY
3.85%

Synchrony Bank

High Yield Savings

3.65% APY

Savings Breakdown

  • Interest Earned
    +$365.00(3.5%)
  • Total Contributions
    $0
  • Initial Deposit
    $10,000

Projected Balance

$10,365.00

Effective APY
3.65%

The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.

FeatureFVCbankSynchrony Bank
APY
3.85%
Verified: 1/21/2026
↘︎ 0.25%90d Change
3.65%
Verified: 1/21/2026
↘︎ 0.15%90d Change
Product NameAdvantage Direct SavingsHigh Yield Savings
Minimum Deposit$500$0
Min. Balance for APY$500$0
Monthly Fee$0$0
Branch AccessNoneNone
Account Type
Online Only
Online Only
Direct Deposit Req.NoneNone
Checking BundleNoNo
Mobile Apps
iOS4.4
Android3.6
iOS4.8
Android4.5
Zelle® Support
Available
Integrated into mobile app.
Not Supported
BBB RatingB-Not Rated
Next Steps
Visit Site

Non-sponsored link to official site

Visit Site

Non-sponsored link to official site

📈 Compare Savings Rates Over Time

Historical Performance

Last 10 Months Analysis
MetricFVCbankSynchrony Bank
Advantage Direct SavingsHigh Yield Savings
Current APY
3.85%3.65%
Trend
Stable Stable
Velocity (bps/mo)
-8.4-3.6
Days Since Change
8164
10-Month High
4.55%4.00%
10-Month Low
3.85%3.65%
Adjustments / Mo
0.780.19
Volatility Score
0.0640.032
How to read these metrics(Click to expand)

Trends & Velocity

  • Trend: The general direction of the rate over the analyzed period. Useful for spotting if a bank is currently aggressive or pulling back.
  • Velocity (bps/mo): Speed of change. A high positive number means they raise rates quickly. 10 bps = 0.10%.
  • Adjustments/Mo: "Twitchiness." High frequency means the rate changes constantly; low frequency means it's stable.

Risk & Range

  • High/Low: The absolute ceiling and floor of the rate during the 308-day window.
  • Volatility Score: Lower is better for predictability. It indicates how wildly the rate swings relative to its average.
  • Days Since Change: If this number is high (e.g., >90), the rate is very sticky. If low, it changed recently.

More Comparisons

Compare FVCbank's APY of 3.85% with other banks
Bank PairCompetitor APYMin Deposit
FVCbank vs Affirm3.20%$0
FVCbank vs Ally Bank3.30%$0
FVCbank vs American Express3.30%$0
FVCbank vs Axos Bank4.31%$0
FVCbank vs Bank of America0.01%$100
FVCbank vs Barclays4.00%$0
FVCbank vs Bask Bank3.75%$0
FVCbank vs Betterment3.25%$10
FVCbank vs BMO Alto3.25%$0
FVCbank vs Bread Savings4.00%$100
FVCbank vs BrioDirect3.75%$5,000
FVCbank vs Capital One3.30%$0
FVCbank vs Carver Bank4.00%$5,000
FVCbank vs Charles Schwab Bank0.15%$0
FVCbank vs Chase Bank0.01%$0
FVCbank vs Chime3.50%$0
FVCbank vs CIT Bank3.75%$100
FVCbank vs Citibank3.30%$0
FVCbank vs Citizens Access™3.15%$0.01
FVCbank vs Climate First Bank4.21%$50
FVCbank vs Colorado Federal Savings Bank4.05%$50,000
FVCbank vs Discover Bank3.30%$0
FVCbank vs E*TRADE from Morgan Stanley3.50%$0
FVCbank vs Elevault3.82%$0
FVCbank vs EverBank3.90%$0
FVCbank vs Fitness Bank4.75%$100
FVCbank vs FNBO Direct3.00%$1
FVCbank vs Forbright Bank3.85%$0
FVCbank vs GO2bank4.50%$0
FVCbank vs Ivy Bank4.00%$2,500
FVCbank vs Jenius Bank4.05%$0
FVCbank vs LendingClub4.00%$0
FVCbank vs Marcus by Goldman Sachs3.65%$0
FVCbank vs MutualOne Bank4.07%$20,000
FVCbank vs My Banking Direct4.02%$500
FVCbank vs Neighbors Bank4.20%$0
FVCbank vs Newtek Bank4.35%$0.01
FVCbank vs Openbank4.20%$500
FVCbank vs Peak Bank3.99%$100
FVCbank vs Pibank4.60%$0
FVCbank vs PNC3.30%$0
FVCbank vs Popular Direct3.90%$100
FVCbank vs Presidential Bank3.75%$5,000
FVCbank vs Quontic Bank3.50%$100
FVCbank vs Salem Five Direct3.61%$10
FVCbank vs Sallie Mae Bank3.90%$0
FVCbank vs Santander Bank0.01%$25
FVCbank vs SoFi Bank4.00%$0
FVCbank vs TD Bank2.36%$0
FVCbank vs TIMBR4.15%$1,000
FVCbank vs UFB Direct3.46%$5000
FVCbank vs Upgrade3.05%$0
FVCbank vs Valley Direct4.00%$1,000
FVCbank vs Varo Bank5.00%$0
FVCbank vs Vio Bank4.09%$100
FVCbank vs Wealthfront3.90%$0
FVCbank vs Wells Fargo0.05%$25
FVCbank vs Zynlo Bank3.85%$10
Compare Synchrony Bank's APY of 3.65% with other banks
Bank PairCompetitor APYMin Deposit
Synchrony Bank vs Affirm3.20%$0
Synchrony Bank vs Ally Bank3.30%$0
Synchrony Bank vs American Express3.30%$0
Synchrony Bank vs Axos Bank4.31%$0
Synchrony Bank vs Bank of America0.01%$100
Synchrony Bank vs Barclays4.00%$0
Synchrony Bank vs Bask Bank3.75%$0
Synchrony Bank vs Betterment3.25%$10
Synchrony Bank vs BMO Alto3.25%$0
Synchrony Bank vs Bread Savings4.00%$100
Synchrony Bank vs BrioDirect3.75%$5,000
Synchrony Bank vs Capital One3.30%$0
Synchrony Bank vs Carver Bank4.00%$5,000
Synchrony Bank vs Charles Schwab Bank0.15%$0
Synchrony Bank vs Chase Bank0.01%$0
Synchrony Bank vs Chime3.50%$0
Synchrony Bank vs CIT Bank3.75%$100
Synchrony Bank vs Citibank3.30%$0
Synchrony Bank vs Citizens Access™3.15%$0.01
Synchrony Bank vs Climate First Bank4.21%$50
Synchrony Bank vs Colorado Federal Savings Bank4.05%$50,000
Synchrony Bank vs Discover Bank3.30%$0
Synchrony Bank vs E*TRADE from Morgan Stanley3.50%$0
Synchrony Bank vs Elevault3.82%$0
Synchrony Bank vs EverBank3.90%$0
Synchrony Bank vs Fitness Bank4.75%$100
Synchrony Bank vs FNBO Direct3.00%$1
Synchrony Bank vs Forbright Bank3.85%$0
Synchrony Bank vs GO2bank4.50%$0
Synchrony Bank vs Ivy Bank4.00%$2,500
Synchrony Bank vs Jenius Bank4.05%$0
Synchrony Bank vs LendingClub4.00%$0
Synchrony Bank vs Marcus by Goldman Sachs3.65%$0
Synchrony Bank vs MutualOne Bank4.07%$20,000
Synchrony Bank vs My Banking Direct4.02%$500
Synchrony Bank vs Neighbors Bank4.20%$0
Synchrony Bank vs Newtek Bank4.35%$0.01
Synchrony Bank vs Openbank4.20%$500
Synchrony Bank vs Peak Bank3.99%$100
Synchrony Bank vs Pibank4.60%$0
Synchrony Bank vs PNC3.30%$0
Synchrony Bank vs Popular Direct3.90%$100
Synchrony Bank vs Presidential Bank3.75%$5,000
Synchrony Bank vs Quontic Bank3.50%$100
Synchrony Bank vs Salem Five Direct3.61%$10
Synchrony Bank vs Sallie Mae Bank3.90%$0
Synchrony Bank vs Santander Bank0.01%$25
Synchrony Bank vs SoFi Bank4.00%$0
Synchrony Bank vs TD Bank2.36%$0
Synchrony Bank vs TIMBR4.15%$1,000
Synchrony Bank vs UFB Direct3.46%$5000
Synchrony Bank vs Upgrade3.05%$0
Synchrony Bank vs Valley Direct4.00%$1,000
Synchrony Bank vs Varo Bank5.00%$0
Synchrony Bank vs Vio Bank4.09%$100
Synchrony Bank vs Wealthfront3.90%$0
Synchrony Bank vs Wells Fargo0.05%$25
Synchrony Bank vs Zynlo Bank3.85%$10