FVCbank vs. TD Bank
Compare rates, requirements, and features side-by-side to find the best option for you.
FVCbank
Advantage Direct Savings
3.85%APYDec 10, 2025FDIC InsuredLow MinimumsGreat iOS AppShow Fine Print & Trends Hide Details
FVCbank
Advantage Direct Savings
TD Bank
TD Signature Savings
Up to2.75%APYDec 10, 2025FDIC InsuredHigh MinimumChecking BundleGreat iOS AppGreat Android AppIn-Person AccessRange: 0.05% – 2.75%Show Fine Print & Trends Hide Details
TD Bank
TD Signature Savings
Market Reality Check
Both of these banks offer rates below the current top tier. The best rates we track are currently above 4.25% APY.
FVCbank vs. TD Bank Savings Calculator
FVCbank earns $2,309.4 more than TD Bank.
FVCbank
Advantage Direct Savings
Savings Breakdown
- Interest Earned+$2,338.00(11.5%)
- Total Contributions$13,000
- Initial Deposit$5,000
Projected Balance
$20,338.00
TD Bank
TD Signature Savings
Higher APY requires $100,000
Savings Breakdown
- Interest Earned+$28.60(0.2%)
- Total Contributions$13,000
- Initial Deposit$5,000
Projected Balance
$18,028.60
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
Comparison Analysis
Comparing FVCbank vs. TD Bank
Why FVCbank?
- ✓Higher potential APY (3.85% vs 2.75%) on all balances
- ✓No checking account or direct deposit required
Why TD Bank?
- ✓Physical branch access (Multiple branches in CT, DE, FL, ME, MD, MA, NH, NJ, NY, NC, PA, RI, SC, VT, VA, DC)
- ✓Higher rated iOS app (4.8 vs 4.4)
- ✓Higher rated Android app (4.0 vs 3.6)
— Key Feature Differences —
Better Returns at $10,000
FVCbankFVCbank's Advantage Direct Savings earns more on smaller deposits (approx. $385 vs $0/yr).
Better Returns at $25,000
FVCbankFVCbank's Advantage Direct Savings pulls ahead with larger amounts (approx. $963 vs $0/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
TD BankTD Bank offers an iOS app rated 4.8 (vs. 4.4) and Android app rated 4.0 (vs. 3.6)
Shared Benefits
Over a 1-year period, FVCbank's Advantage Direct Savings pays $380 more interest on a $10,000 balance than TD Bank's TD Signature Savings.
*This calculation assumes current rates remain consistent for 1 year and does not include temporary bonuses.
Executive Summary
FVCbank offers a competitive Advantage Direct Savings account with an APY of 3.85%, making it the clear winner for those seeking higher returns. This online-only account requires a minimum deposit and balance of $500, but has no maintenance fees or direct deposit requirements. In contrast, TD Bank's TD Signature Savings account yields a lower APY of 2.75%, available only with a minimum balance of $100,000 and when linked to an eligible TD account. While TD Bank provides a robust mobile app experience, FVCbank's offering is better for simplicity and higher interest rates.
Analysis generated based on current Banksparency database records
* AI-generated content provided for informational purposes only. Accuracy is not guaranteed; always verify details with the provider.
Top Market Contenders
See who beats both FVCbank and TD Bank.
| Feature | FVCbank | TD Bank |
|---|---|---|
| APY | 3.85% Verified: 12/10/2025 ↘︎ 0.50%90d Change | 2.75% Range: 0.05% - 2.75% Verified: 12/10/2025 ↘︎ 0.25%90d Change |
| Product Name | Advantage Direct Savings | TD Signature Savings |
| Minimum Deposit | $500 | $0 |
| Min. Balance for APY | $500 | $100,000 |
| Monthly Fee | $0 | $10. Waived under some circumstances. |
| Branch Access | None | Yes |
| Account Type | Online Only | Online & Branches |
| Direct Deposit Req. | None | None |
| Checking Bundle | No | Yes |
| Mobile Apps | iOS4.4 Android3.6 | iOS4.8 Android4.0 |
| BBB Rating | B- | Not Rated |
| Important Notes | - | This is a tiered savings account where rates may vary on location and whether you're eligible for the Bump Rate. 2.75% is available when you link an eligible TD account and have a minimum balance of $100,000. Otherwise 0.05% is the maximum APY. |
| Next Steps |
📈 Compare Savings Rates Over Time
Historical Performance
| Metric | FVCbank | TD Bank |
|---|---|---|
| Advantage Direct Savings | TD Signature Savings | |
Current APY | 3.85% | 2.75% |
Trend | Stable | Stable |
Velocity (bps/mo) | -8.4 | -7.8 |
Days Since Change | 39 | 68 |
9-Month High | 4.55% | 3.51% |
9-Month Low | 3.85% | 2.75% |
Adjustments / Mo | 0.90 | 0.34 |
Volatility Score | 0.057 | 0.072 |
How to read these metrics(Click to expand)
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