Fvcbank vs. Wealthfront
High-Yield Savings Account Comparison
By Aviel Fahl|Last Updated: November 12, 2025
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Summary of FVCbank vs. Wealthfront
Key Metrics at a Glance
| Feature | FVCbank | Wealthfront |
|---|---|---|
| Top Savings APY | 3.85% Advantage Direct Savings | 4.15% Cash Account |
| Minimum to Open | $500 | $0 |
| Minimum Balance for Top APY | $500 | $0 |
| Note | Wealthfront is not a bank but a financial services company. It is FDIC-insured through its many partner banks. New clients get an APY of 4.15% for 3 months, after which the 3.50% APY applies. See terms at Wealthfront. |
FVCbank
Strengths
- FVCbank offers a competitive APY of 3.85%, though it decreased from 4.10% recently.
- FVCbank has an A+ BBB rating, indicating strong trustworthiness.
- No maintenance fees for Advantage Direct Savings account.
Potential Drawbacks
- FVCbank requires a minimum deposit and balance of $500.
- FVCbank's App Store rating is lower at 4.4 compared to Wealthfront.
- FVCbank has no branches available.
Wealthfront
Strengths
- Wealthfront provides a higher APY of 4.15% for new clients, with a lower APY of 3.50% thereafter.
- Wealthfront has excellent ratings: 4.8 on App Store and 4.9 on Google Play.
- No minimum deposit or balance requirements for the Cash Account.
Potential Drawbacks
- Wealthfront has an F BBB rating and is not BBB accredited.
- Wealthfront is not a bank, but a financial services company.
- Wealthfront has no branches available.
→ As of November 12, 2025 FVCbank offers an APY of 3.85% for its Advantage Direct Savings account, with a minimum balance of $500, compared to Wealthfront's 4.15% APY for its Cash Account, with a minimum balance of $0.
→ Wealthfront yields $30 more than FVCbank on a $10,000 balance after one year. FVCbank pays $385, while Wealthfront pays $415 - an APY advantage for Wealthfront.
Calculate Savings Growth for FVCbank vs Wealthfront
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 OverviewWealthfront - Cash Account
Total savings breakdown:
- Interest earned: $2,531.8 (12.33%)
- Total contributions: $13,000 (63.32%)
- Initial deposit: $5,000 (24.35%)
Your total balance
$20,531.80
Total balance: $20,531.8
Earnings: $2,531.8
Bank OverviewWith a $5,000 initial deposit and $13,000 in total contributions over 5 years, FVCbank's total earnings would be $193.8 lower than Wealthfront's total earnings.
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
Compare FVCbank's vs Wealthfront's Savings Accounts
| FVCbank | Wealthfront | ||
|---|---|---|---|
| Product | Advantage Direct Savings | vs | Cash Account |
| APY | 3.85% (as of 11/12/2025) | 3.50% - 4.15% (as of 11/12/2025) | |
| Bundled Account | No | No | |
| FDIC-insured | Yes | Yes | |
| Online Only | Yes | Yes | |
| Compound Frequency | N/A | Daily | |
| Minimum Deposit | $500 | $0 | |
| Minimum Balance for APY | $500 | $0 | |
| Maintenance Fee | $0 | $0 | |
| Direct Deposit Required | No | No | |
| Note | Wealthfront is not a bank but a financial services company. It is FDIC-insured through its many partner banks. New clients get an APY of 4.15% for 3 months, after which the 3.50% APY applies. See terms at Wealthfront. | ||
| App Store Rating | 4.4/5 | 4.8/5 | |
| Google Play Rating | 3.6/5 | 4.9/5 | |
| BBB Rating | A+ | F |
No historical data available.