Fvcbank vs. Synchrony Bank
High-Yield Savings Account Comparison
By Aviel Fahl|Last Updated: October 21, 2025
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Summary of FVCbank vs. Synchrony Bank
Key Metrics at a Glance
| Feature | FVCbank | Synchrony Bank |
|---|---|---|
| Top Savings APY | 4.10% Advantage Direct Savings | 3.80% High Yield Savings |
| Minimum to Open | $500 | $0 |
| Minimum Balance for Top APY | $500 | $0 |
FVCbank
Strengths
- FVCbank offers a higher APY of 4.10% compared to Synchrony Bank's 3.80%.
- FVCbank has an A+ BBB rating, indicating strong trustworthiness.
- No maintenance fees for FVCbank's Advantage Direct Savings account.
Potential Drawbacks
- FVCbank's APY decreased from 4.45% in the last 30 days.
- FVCbank requires a minimum deposit and balance of $500.
Synchrony Bank
Strengths
- Synchrony Bank has a higher App Store rating of 4.8 compared to FVCbank's 4.4.
- No minimum deposit or balance requirements for Synchrony Bank's High Yield Savings account.
Potential Drawbacks
- Synchrony Bank's APY is lower at 3.80% compared to FVCbank's 4.10%.
- Synchrony Bank is not rated by the BBB.
→ As of October 21, 2025 FVCbank offers an APY of 4.10% 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 $30 more than Synchrony Bank on a $10,000 balance after one year. FVCbank pays $410, while Synchrony Bank pays $380 - an APY advantage for FVCbank.
Calculate Savings Growth for FVCbank vs Synchrony Bank
FVCbank - Advantage Direct Savings
Total savings breakdown:
- Interest earned: $2,499.4 (12.19%)
- Total contributions: $13,000 (63.42%)
- Initial deposit: $5,000 (24.39%)
Your total balance
$20,499.40
Total balance: $20,499.4
Earnings: $2,499.4
Bank OverviewSynchrony Bank - High Yield Savings
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
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 $193.5 higher than Synchrony Bank's total earnings.
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
Compare FVCbank's vs Synchrony Bank's Savings Accounts
| FVCbank | Synchrony Bank | ||
|---|---|---|---|
| Product | Advantage Direct Savings | vs | High Yield Savings |
| APY | 4.10% (as of 10/21/2025) | 3.80% (as of 10/21/2025) | |
| 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 | 3.6/5 | 4.5/5 | |
| BBB Rating | A+ | Not Rated |
Comparative Historical APY Insights (Last 7 Months)
| FVCbank | Synchrony Bank | ||
|---|---|---|---|
| Product | Advantage Direct Savings | vs | High Yield Savings |
| Latest APY | 4.10 % | 3.80 % | |
| Trend | Falling | Sideways | |
| Slope (bps/mo) | -5.6 | -3.8 | |
| Rate Changes / Mo | 0.97 | 0.14 | |
| Days Since Last Change | 27 | 140 | |
| High (-7 m) | 4.55 % | 4.00 % | |
| Low (-7 m) | 4.10 % | 3.80 % | |
| Draw-down from High | -9.9 % | -5.0 % | |
| Volatility (CV) | 0.030 | 0.025 |
APY Insights Glossary
- Latest APY
- Most recent advertised annual-percentage yield.
- Trend
- Direction over the last 7 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 (-7 m)
- Highest APY in the last 217 days.
- Low (-7 m)
- Lowest APY in the last 217 days.
- Draw-down from High
- How far today sits below the 7-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.