Fvcbank vs. Valley Direct
High-Yield Savings Account Comparison
By Aviel Fahl|Last Updated: October 16, 2025
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Summary of FVCbank vs. Valley Direct
Key Metrics at a Glance
| Feature | FVCbank | Valley Direct |
|---|---|---|
| Top Savings APY | 4.10% Advantage Direct Savings | 4.10% High-Yield Savings Account |
| Minimum to Open | $500 | $1000 |
| Minimum Balance for Top APY | $500 | $0.01 |
| Note | Promo. Eligibility restricted to new customers. |
FVCbank
Strengths
- FVCbank offers a higher APY of 4.1% compared to Valley Direct's 4.1%, but with a lower minimum deposit requirement of $500.
Potential Drawbacks
- FVCbank's APY decreased from 4.35% in the last 30 days.
- FVCbank has a lower Google Play rating of 3.6 compared to Valley Direct's 4.5.
- FVCbank has no branch locations for in-person service.
Valley Direct
Strengths
- Valley Direct has a higher App Store rating of 4.8 compared to FVCbank's 4.4.
- Valley Direct's High-Yield Savings Account has a lower minimum balance requirement of $0.01.
- Valley Direct offers branch servicing in multiple states after account opening.
Potential Drawbacks
- Valley Direct's APY decreased from 4.3% in the last 30 days.
- Valley Direct has a higher minimum deposit requirement of $1000 compared to FVCbank's $500.
- Valley Direct is not BBB Accredited despite having an A+ rating.
→ As of 10/16/2025 both FVCbank (Advantage Direct Savings) and Valley Direct (High-Yield Savings Account) offer an APY of 4.10% .
→ Both banks yield $410 in interest on a $10,000 balance after one year. Neither has an APY advantage, so consider other features (fees, access, app ratings, etc.) when choosing.
Calculate Savings Growth for FVCbank vs Valley Direct
FVCbank
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 OverviewValley Direct
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 OverviewWith a $5,000 initial deposit and $13,000 in total contributions over 5 years, FVCbank's total earnings would be the same as Valley Direct's total earnings.
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
Compare FVCbank's vs Valley Direct's Savings Accounts
| FVCbank | Valley Direct | ||
|---|---|---|---|
| Product | Advantage Direct Savings | vs | High-Yield Savings Account |
| APY | 4.10% (as of 10/16/2025) | 4.10% (as of 10/16/2025) | |
| Bundled Account | No | No | |
| FDIC-insured | Yes | Yes | |
| Online Only | Yes | Yes | |
| Compound Frequency | N/A | Daily | |
| Minimum Deposit | $500 | $1000 | |
| Minimum Balance for APY | $500 | $0.01 | |
| Maintenance Fee | $0 | $0 | |
| Direct Deposit Required | No | No | |
| Eligibility | United States | Only for new customers. Existing Valley Bank or Valley Direct customers may open a savings account with a somewhat lower rate. | |
| Note | Promo. Eligibility restricted to new customers. | ||
| App Store Rating | 4.4/5 | 4.8/5 | |
| Google Play Rating | 3.6/5 | 4.5/5 | |
| BBB Rating | A+ | A+ |
Comparative Historical APY Insights (Last 7 Months)
| FVCbank | Valley Direct | ||
|---|---|---|---|
| Product | Advantage Direct Savings | vs | High-Yield Savings Account |
| Latest APY | 4.10 % | 4.10 % | |
| Trend | Falling | Sideways | |
| Slope (bps/mo) | -5.4 | -2.1 | |
| Rate Changes / Mo | 0.99 | 0.85 | |
| Days Since Last Change | 22 | 20 | |
| High (-7 m) | 4.55 % | 4.40 % | |
| Low (-7 m) | 4.10 % | 4.05 % | |
| Draw-down from High | -9.9 % | -6.8 % | |
| Volatility (CV) | 0.029 | 0.021 |
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 212 days.
- Low (-7 m)
- Lowest APY in the last 212 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.