FVCbank vs. Valley 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
Valley Direct
High-Yield Savings Account
Up to4.10%APYDec 6, 2025FDIC InsuredLow MinimumsGreat iOS AppGreat Android AppRange: 3.50% – 4.10%Show Fine Print & Trends Hide Details
Valley Direct
High-Yield Savings Account
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. Valley Direct
Why FVCbank?
- ✓Available to New & Existing Customers
Why Valley Direct?
- ✓Higher potential APY (4.10% vs 3.85%) on all balances
- ✓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
Valley DirectValley Direct's High-Yield Savings Account earns more on smaller deposits (approx. $410 vs $385/yr).
Better Returns at $25,000
Valley DirectValley Direct's High-Yield Savings Account pulls ahead with larger amounts (approx. $1025 vs $963/yr).
Best for Simplicity
Valley DirectValley Direct's High-Yield Savings Account offers 4.10% APY with no bundling, direct deposit requirement or caps.
Best Mobile App Experience
Valley DirectValley Direct 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, Valley Direct's High-Yield Savings Account pays $25 more interest on a $10,000 balance than FVCbank's Advantage Direct Savings.
Executive Summary
FVCbank offers an Advantage Direct Savings account with a competitive APY of 3.85%, requiring a minimum deposit and balance of $500, and has no maintenance fees. However, Valley Direct's High-Yield Savings Account stands out with a higher APY of 4.10%, also with no maintenance fees, but requires a minimum deposit of $1,000. It's important to note that the higher rate at Valley Direct is available only to new customers, while existing customers receive a lower rate of 3.50%. Both accounts are online-only, providing flexibility for users.
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 Valley Direct.
| Feature | FVCbank | Valley Direct |
|---|---|---|
| APY | 3.85% Verified: 12/6/2025 ↘︎ 0.50%90d Change | 4.10% Range: 3.50% - 4.10% Verified: 12/6/2025 ↘︎ 0.20%90d Change |
| Product Name | Advantage Direct Savings | High-Yield Savings Account |
| Minimum Deposit | $500 | $1,000 |
| Min. Balance for APY | $500 | $0.01 |
| 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 |
| BBB Rating | B- | A+ |
| Important Notes | - | Promo rate for new customers. 3.50% APY applies to existing customers. |
| Next Steps |
Savings Comparison
Valley Direct earns $161.4 more than FVCbank.
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
Valley Direct
High-Yield Savings Account
Savings Breakdown
- Interest Earned+$2,499.40(12.2%)
- Total Contributions$13,000
- Initial Deposit$5,000
Projected Balance
$20,499.40
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 | Valley Direct |
|---|---|---|
| Advantage Direct Savings | High-Yield Savings Account | |
Current APY | 3.85% | 4.10% |
Trend | Stable | Stable |
Velocity (bps/mo) | -8.3 | -3.0 |
Days Since Change | 35 | 71 |
9-Month High | 4.55% | 4.40% |
9-Month Low | 3.85% | 4.05% |
Adjustments / Mo | 0.92 | 0.69 |
Volatility Score | 0.056 | 0.025 |
How to read these metrics(Click to expand)
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