Fvcbank vs Synchrony Bank
High-Yield Savings Accounts Comparison
Last Updated: September 5, 2025
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Summary of FVCbank vs. Synchrony Bank
As of September 5, 2025 FVCbank offers an APY of 4.35% for its Advantage Direct Savings account, with a minimum balance of $500, compared to Synchrony Bank's 3.80% APY for its High Yield Savings account, with a minimum balance of $0.
FVCbank yields $55 more than Synchrony Bank on a $10,000 balance after one year. FVCbank pays $435, while Synchrony Bank pays $380 - an APY advantage for FVCbank.
FVCbank
Strengths
- FVCbank offers a higher APY of 4.35% compared to Synchrony Bank's 3.80%.
- FVCbank has an A+ BBB rating, indicating strong trustworthiness.
- FVCbank has no maintenance fees for its Advantage Direct Savings account.
Potential Drawbacks
- FVCbank requires a minimum deposit and balance of $500 for its account.
- FVCbank has a lower App Store rating of 4.4 compared to Synchrony Bank's 4.8.
- FVCbank has a Google Play rating of 3.4, which is lower than Synchrony Bank's 4.5.
Synchrony Bank
Strengths
- Synchrony Bank has no minimum deposit or balance requirements for its account.
- Synchrony Bank boasts a higher App Store rating of 4.8.
- Synchrony Bank has a Google Play rating of 4.5, indicating better user satisfaction.
Potential Drawbacks
- Synchrony Bank's APY of 3.80% is lower than FVCbank's 4.35%.
- Synchrony Bank is not rated by the BBB, indicating less transparency.
- Synchrony Bank has no maintenance fees but offers a less competitive APY.
Summary: FVCbank provides a higher APY of 4.35% and has an A+ BBB rating, but requires a minimum deposit of $500. In contrast, Synchrony Bank offers a lower APY of 3.80% with no minimum deposit or balance requirements, and boasts higher App Store and Google Play ratings. However, it lacks a BBB rating, which may affect trustworthiness.
Compare FVCbank's vs Synchrony Bank's Savings Accounts
| FVCbank | Synchrony Bank | ||
|---|---|---|---|
| Product | Advantage Direct Savings | vs | High Yield Savings |
| APY | 4.35% (as of 9/5/2025) | 3.80% (as of 9/5/2025) | |
| Bundled Account | No | No | |
| FDIC-insured | Yes | Yes | |
| Online Only | Yes | Yes | |
| Compound Frequency | N/A | Daily | |
| Minimum Deposit | $500 | $0 | |
| 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 | 3.4/5 | 4.5/5 | |
| BBB Rating | A+ | Not Rated |
Comparative Historical APY Insights (Last 6 Months)
| FVCbank | Synchrony Bank | ||
|---|---|---|---|
| Product | Advantage Direct Savings | vs | High Yield Savings |
| Latest APY | 4.35 % | 3.80 % | |
| Trend | Sideways | Falling | |
| Slope (bps/mo) | -4.6 | -5.2 | |
| Rate Changes / Mo | 0.71 | 0.18 | |
| Days Since Last Change | 42 | 94 | |
| High (-6 m) | 4.55 % | 4.00 % | |
| Low (-6 m) | 4.35 % | 3.80 % | |
| Draw-down from High | -4.4 % | -5.0 % | |
| Volatility (CV) | 0.019 | 0.025 |
APY Insights Glossary
- Latest APY
- Most recent advertised annual-percentage yield.
- Trend
- Direction over the last 6 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 (-6 m)
- Highest APY in the last 170 days.
- Low (-6 m)
- Lowest APY in the last 170 days.
- Draw-down from High
- How far today sits below the 6-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.
Calculate Savings Growth for FVCbank vs Synchrony Bank
All calculations are based on APY.
FVCbank
APY: 4.35%
Total savings breakdown:
- Interest earned: $2,662 (12.88%)
- Total contributions: $13,000 (62.92%)
- Initial deposit: $5,000 (24.20%)
Your total balance
$20,662.00
Effective APY: 4.35% (based on your deposit and contributions)
Total balance: $20,662
Earnings: $2,662
Bank OverviewSynchrony Bank
APY: 3.80%
Total savings breakdown:
- Interest earned: $2,305.9 (11.36%)
- Total contributions: $13,000 (64.02%)
- Initial deposit: $5,000 (24.62%)
Your total balance
$20,305.90
Effective APY: 3.80% (based on your deposit and contributions)
Total balance: $20,305.9
Earnings: $2,305.9
Bank OverviewWith a $5,000 initial deposit and $13,000 in total contributions over 5 years, FVCbank's total earnings would be $356.1 higher than Synchrony Bank's total earnings.
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
More Comparisons
Compare FVCbank's APY of 4.35% with other banks
| Bank Pair | Competitor APY | Min Deposit |
|---|---|---|
| FVCbank vs Ally Bank | 3.50% | $0 |
| FVCbank vs American Express | 3.50% | $0 |
| FVCbank vs Axos Bank | 4.46% | $0 |
| FVCbank vs Bank of America | 0.01% | $100 |
| FVCbank vs Barclays | 4.10% | $0 |
| FVCbank vs BrioDirect | 4.30% | $5,000 |
| FVCbank vs Capital One | 3.50% | $0 |
| FVCbank vs Chase Bank | 0.01% | $0 |
| FVCbank vs Chime | 3.75% | $0 |
| FVCbank vs CIT Bank | 4.00% | $100 |
| FVCbank vs Discover Bank | 3.50% | $0 |
| FVCbank vs Elevault | 4.60% | $0 |
| FVCbank vs EverBank | 4.30% | $0 |
| FVCbank vs Fitness Bank | 4.75% | $100 |
| FVCbank vs GO2bank | 4.50% | $0 |
| FVCbank vs Marcus by Goldman Sachs | 3.65% | $0 |
| FVCbank vs Neighbors Bank | 4.60% | $0 |
| FVCbank vs Newtek Bank | 4.35% | $0 |
| FVCbank vs Peak Bank | 4.35% | $100 |
| FVCbank vs Pibank | 4.60% | $0 |
| FVCbank vs Presidential Bank | 4.50% | $5,000 |
| FVCbank vs Santander Bank | 0.03% | $25 |
| FVCbank vs SoFi Bank | 3.80% | $0 |
| FVCbank vs TIMBR | 4.40% | $1,000 |
| FVCbank vs UFB Direct | 4.21% | $5000 |
| FVCbank vs Varo Bank | 5.00% | $0 |
| FVCbank vs Wells Fargo | 2.51% | $25 |
| FVCbank vs Zynlo Bank | 4.35% | $10 |