Fvcbank vs. Valley Direct
High-Yield Savings Account Comparison
By Aviel Fahl|Last Updated: November 16, 2025
We earn a commission if you open an account through some links on this page.
Summary of FVCbank vs. Valley Direct
Key Metrics at a Glance
| Feature | FVCbank | Valley Direct |
|---|---|---|
| Top Savings APY | 3.85% Advantage Direct Savings | 4.10% High-Yield Savings Account |
| Minimum to Open | $500 | $1,000 |
| Minimum Balance for Top APY | $500 | $0.01 |
| Note | Promo. Eligibility restricted to new customers. |
FVCbank
Strengths
- FVCbank offers a competitive APY of 3.85%, though it has decreased from 4.10% in the last 30 days.
- No maintenance fees for the Advantage Direct Savings account.
- FVCbank has a solid BBB rating of A+.
Potential Drawbacks
- FVCbank requires a minimum deposit of $500 to open the Advantage Direct Savings account.
- FVCbank has a lower App Store rating of 4.4 compared to Valley Direct.
Valley Direct
Strengths
- Valley Direct offers a higher APY of 4.10% with no changes in the last 30 days.
- Valley Direct has a higher App Store rating of 4.8 and Google Play rating of 4.5.
- No minimum balance requirement for the High-Yield Savings Account.
Potential Drawbacks
- Valley Direct requires a minimum deposit of $1,000 to open the High-Yield Savings Account.
- Both banks are not BBB accredited despite having an A+ rating.
→ As of November 16, 2025 FVCbank offers an APY of 3.85% for its Advantage Direct Savings account, with a minimum balance of $500, compared to Valley Direct's 4.10% APY for its High-Yield Savings Account, with a minimum balance of $0.01.
→ Valley Direct yields $25 more than FVCbank on a $10,000 balance after one year. FVCbank pays $385, while Valley Direct pays $410 - an APY advantage for Valley Direct.
Calculate Savings Growth for FVCbank vs Valley Direct
FVCbank - Advantage Direct Savings
Total savings breakdown:
- Interest earned: $2,338 (11.50%)
- Total contributions: $13,000 (63.92%)
- Initial deposit: $5,000 (24.58%)
Your total balance
$20,338.00
Total balance: $20,338
Earnings: $2,338
Bank OverviewValley Direct - High-Yield Savings Account
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 $161.4 lower than 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 | 3.85% (as of 11/16/2025) | 4.10% (as of 11/16/2025) | |
| Bundled Account | No | No | |
| FDIC-insured | Yes | Yes | |
| Online Only | Yes | Yes | |
| Compound Frequency | N/A | Daily | |
| Minimum Deposit | $500 | $1,000 | |
| 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 8 Months)
| FVCbank | Valley Direct | ||
|---|---|---|---|
| Product | Advantage Direct Savings | vs | High-Yield Savings Account |
| Latest APY | 3.85 % | 4.10 % | |
| Trend | Falling | Sideways | |
| Slope (bps/mo) | -7.5 | -2.9 | |
| Rate Changes / Mo | 0.99 | 0.74 | |
| Days Since Last Change | 15 | 51 | |
| High (-8 m) | 4.55 % | 4.40 % | |
| Low (-8 m) | 3.85 % | 4.05 % | |
| Draw-down from High | -15.4 % | -6.8 % | |
| Volatility (CV) | 0.047 | 0.024 |
APY Insights Glossary
- Latest APY
- Most recent advertised annual-percentage yield.
- Trend
- Direction over the last 8 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 (-8 m)
- Highest APY in the last 242 days.
- Low (-8 m)
- Lowest APY in the last 242 days.
- Draw-down from High
- How far today sits below the 8-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.