FVCbank vs. Synchrony Bank
Compare rates, requirements, and features side-by-side to find the best option for you.
| Metric | FVCbankAdvantage Direct Savings Jan 21, 2026 | Synchrony BankHigh Yield Savings Jan 21, 2026 |
|---|---|---|
| APY | 3.85% | 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.
Comparison Analysis
Comparing FVCbank vs. Synchrony Bank
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
FVCbankFVCbank's Advantage Direct Savings earns more on smaller deposits (approx. $385 vs $365/yr).
Better Returns at $25,000
FVCbankFVCbank's Advantage Direct Savings pulls ahead with larger amounts (approx. $963 vs $912/yr).
Best for Simplicity
FVCbankFVCbank's Advantage Direct Savings offers 3.85% APY with no bundling, direct deposit requirement or caps.
Best Mobile App Experience
Synchrony BankSynchrony Bank offers an iOS app rated 4.8 (vs. 4.4) and Android app rated 4.5 (vs. 3.6)
Shared Benefits
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.
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.
Non-sponsored link to official site
Non-sponsored link to official site
Top Market Contenders
FVCbank vs. Synchrony Bank Savings Calculator
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
Savings Breakdown
- Interest Earned+$385.00(3.7%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,385.00
Synchrony Bank
High Yield Savings
Savings Breakdown
- Interest Earned+$365.00(3.5%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,365.00
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
| Feature | FVCbank | Synchrony Bank |
|---|---|---|
| APY | 3.85% Verified: 1/21/2026 ↘︎ 0.25%90d Change | 3.65% Verified: 1/21/2026 ↘︎ 0.15%90d Change |
| Product Name | Advantage Direct Savings | High Yield Savings |
| Minimum Deposit | $500 | $0 |
| Min. Balance for APY | $500 | $0 |
| Monthly Fee | $0 | $0 |
| Branch Access | None | None |
| Account Type | Online Only | Online Only |
| Direct Deposit Req. | None | None |
| Checking Bundle | No | No |
| Mobile Apps | iOS4.4 Android3.6 | iOS4.8 Android4.5 |
| Zelle® Support | Available Integrated into mobile app. | Not Supported |
| BBB Rating | B- | Not Rated |
| Next Steps | Visit SiteVerify at FVCbank Non-sponsored link to official site | Visit SiteVerify at Synchrony Bank Non-sponsored link to official site |
📈 Compare Savings Rates Over Time
Historical Performance
| Metric | FVCbank | Synchrony Bank |
|---|---|---|
| Advantage Direct Savings | High Yield Savings | |
Current APY | 3.85% | 3.65% |
Trend | Stable | Stable |
Velocity (bps/mo) | -8.4 | -3.6 |
Days Since Change | 81 | 64 |
10-Month High | 4.55% | 4.00% |
10-Month Low | 3.85% | 3.65% |
Adjustments / Mo | 0.78 | 0.19 |
Volatility Score | 0.064 | 0.032 |
How to read these metrics(Click to expand)
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High Rates (With Checking Bundle)
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