FVCbank vs. UFB Direct
Compare rates, requirements, and features side-by-side to find the best option for you.
FVCbank
Advantage Direct Savings
3.85%APYDec 6, 2025FDIC InsuredLow MinimumsGreat iOS AppShow Fine Print & Trends Hide Details
FVCbank
Advantage Direct Savings
UFB Direct
UFB Checking and Savings Bundle
Up to3.71%APYDec 6, 2025FDIC InsuredHigh MinimumDirect Deposit ReqChecking BundleGreat iOS AppGreat Android AppRange: 3.51% – 3.71%Show Fine Print & Trends Hide Details
UFB Direct
UFB Checking and Savings Bundle
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.
Comparison Analysis
Comparing FVCbank vs. UFB Direct
Why FVCbank?
- ✓Higher potential APY (3.85% vs 3.51%-3.71%) on all balances
Why UFB Direct?
- ✓Offers 2.00% APY on Checking Account in addition to the savings APY
- ✓Access to over 90,000 fee-free ATMs
- ✓Higher rated iOS app (4.8 vs 4.4)
- ✓Higher rated Android app (4.3 vs 3.6)
- ✓Offers 2 different high-yield savings options
— Key Feature Differences —
Better Returns at $10,000
FVCbankFVCbank's Advantage Direct Savings earns more on smaller deposits (approx. $385 vs $371/yr).
Better Returns at $25,000
FVCbankFVCbank's Advantage Direct Savings pulls ahead with larger amounts (approx. $963 vs $928/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
UFB DirectUFB Direct offers an iOS app rated 4.8 (vs. 4.4) and Android app rated 4.3 (vs. 3.6)
Shared Benefits
Over a 1-year period, FVCbank's Advantage Direct Savings pays $14 more interest on a $10,000 balance than UFB Direct's UFB Checking and Savings Bundle.
Executive Summary
FVCbank offers a competitive Advantage Direct Savings account with an APY of 3.85%, making it the standout choice for savers looking for simplicity, as it requires no direct deposit or bundling. In contrast, UFB Direct's UFB Portfolio Savings account provides a lower APY of 3.51% but has no minimum deposit or balance requirements, appealing to those starting with smaller amounts. Both banks operate online-only and have no maintenance fees, but FVCbank's higher yield positions it as the better option for maximizing savings.
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 UFB Direct.
| Feature | FVCbank | UFB Direct |
|---|---|---|
| APY | 3.85% Verified: 12/6/2025 ↘︎ 0.50%90d Change | 3.71% Range: 3.51% - 3.71% Verified: 12/6/2025 ↘︎ 0.50%90d Change |
| Product Name | Advantage Direct Savings | UFB Checking and Savings Bundle |
| Minimum Deposit | $500 | $5000 |
| Min. Balance for APY | $500 | $10,000 |
| Monthly Fee | $0 | $0 |
| Branch Access | None | None |
| Account Type | Online Only | Online Only |
| Direct Deposit Req. | None | Required |
| Checking Bundle | No | Yes |
| Mobile Apps | iOS4.4 Android3.6 | iOS4.8 Android4.3 |
| BBB Rating | B- | A+ |
| Important Notes | - | The regular savings or money market APY may be boosted up to 3.71% by direct deposits, minimum balance of $10,000 and making 10 approved debit card transactions per statement cycle. The checking account earns 2% APY. See bank for full details. |
| Next Steps | SponsoredOpen Account |
Savings Comparison
FVCbank earns $119.3 more than UFB Direct.
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
UFB Direct
UFB Checking and Savings Bundle
Higher APY requires $10,000
Savings Breakdown
- Interest Earned+$2,218.70(11.0%)
- Total Contributions$13,000
- Initial Deposit$5,000
Projected Balance
$20,218.70
Sponsored Link
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
📈 Compare Savings Rates Over Time
Historical Performance
| Metric | FVCbank | UFB Direct | |
|---|---|---|---|
| Advantage Direct Savings | UFB Checking and Savings Bundle | UFB Portfolio Savings | |
Current APY | 3.85% | 3.71% | 3.51% |
Trend | Stable | Stable | Stable |
Velocity (bps/mo) | -8.3 | -6.1 | -6.1 |
Days Since Change | 35 | 37 | 37 |
9-Month High | 4.55% | 4.21% | 4.01% |
9-Month Low | 3.85% | 3.71% | 3.51% |
Adjustments / Mo | 0.92 | 0.34 | 0.34 |
Volatility Score | 0.056 | 0.049 | 0.051 |
How to read these metrics(Click to expand)
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