FVCbank vs. Wealthfront
Comparing FVCbank and Wealthfront for high-yield savings: FVCbank's Advantage Direct Savings pays 4.00% APY while Wealthfront's Cash Account pays 3.95% APY (including a 3-month 0.65% promo boost).
See how they compare on rate stability, mobile app ratings, and more below.
The Bottom Line
Who pays more interest on $10,000? FVCbank pays $54 more than Wealthfront annually ($400 vs $346).
Choose FVCbank if getting the best rate matters most, you want a no-strings-attached account, you want to avoid a promo rate with a scheduled drop, BBB rating matters to you, or you want Zelle for quick transfers. Choose Wealthfront if you're an Android user.
Important Considerations
The key difference? Wealthfront's 3.95% rate includes a promotional bonus for the first 3 months, after which it reverts to the standard rate (currently 3.30%). FVCbank's 4.00% rate has no scheduled drop, though all rates are subject to change.
| Metric | FVCbankAdvantage Direct Savings Feb 21, 2026 | WealthfrontCash Account Feb 21, 2026 |
|---|---|---|
| APY | 4.00% | 3.30% - 3.95% |
Est. Earnings | $5,000+$200 $10,000+$400 $25,000+$1,000 | $5,000+$173 $10,000+$346 $25,000+$866 |
Min Deposit | $500 | $0 |
Snapshot view. Rates subject to change. | ||
Terms | - | 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 3.95% for 3 months, after which the 3.30% APY applies. See terms at Wealthfront. |
| Features | FDIC InsuredLow MinimumsGreat iOS AppZelle® SupportedRate Changes Often | FDIC InsuredNo MinimumsGreat iOS AppGreat Android AppDaily CompoundingRate Changes Often |
Market Reality Check
Both of these banks offer rates below the current top tier. The best rates we track are currently above 4.15% APY.
Comparison Analysis
Comparing FVCbank vs. Wealthfront
Executive Summary
FVCbank offers the Advantage Direct Savings account with a competitive APY of 4.00%, making it the winner in this comparison. This account requires a minimum deposit of $500, but has no maintenance fees and does not require direct deposit. In contrast, Wealthfront's Cash Account provides an introductory APY of 3.95% for the first three months, after which it drops to 3.30%. While Wealthfront has a $0 minimum deposit and offers a strong mobile app experience, its lower long-term APY makes FVCbank's offering more attractive for savers.
The analysis is based on current Banksparency database records
* This content is provided for informational purposes only; always verify details with the provider.
Why FVCbank?
- ✓Fast transfers via Zelle®
Why Wealthfront?
- ✓Higher rated iOS app (4.8 vs 4.4)
- ✓Higher rated Android app (4.9 vs 3.6)
— Key Feature Differences —
Better Returns at $10,000
FVCbankFVCbank's Advantage Direct Savings earns more on smaller deposits (approx. $400 vs $346/yr).
Better Returns at $25,000
FVCbankFVCbank's Advantage Direct Savings pulls ahead with larger amounts (approx. $1000 vs $866/yr).
Best Mobile App Experience
WealthfrontWealthfront offers an iOS app rated 4.8 (vs. 4.4) and Android app rated 4.9 (vs. 3.6)
Shared Benefits
Over a 1-year period, FVCbank's Advantage Direct Savings pays $54 more interest on a $10,000 balance than Wealthfront's Cash Account.
*This comparison accounts for Wealthfront's introductory promotional rate, yet FVCbank's standard rate still yields a higher 1-year return.
Non-sponsored link to official site
Non-sponsored link to official site
Top Market Contenders
FVCbank vs. Wealthfront Savings Calculator
You earn $52.5 more with FVCbank than Wealthfront on a $10,000 initial deposit for 1 year*.
*This calculation assumes that APYs remain unchanged for 1 year, and takes into account known promo rate periods, but does not factor in bonuses. You can see how often these banks have changed their rates in the Compare Savings Rates Over Time section below.
FVCbank
Advantage Direct Savings
Savings Breakdown
- Interest Earned+$400.00(3.8%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,400.00
Wealthfront
Cash Account
Promo Rate: 3.95% for 3 months, then 3.30%.
Savings Breakdown
- Interest Earned+$347.50(3.4%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,347.50
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
Still banking with Chase, Bank of America, or Wells Fargo?
On a $10,000 balance, you're missing out on at least $345 per year in interest.
Both FVCbank and Wealthfront dramatically outperform the typical 0.01% APY at traditional big banks.
| Feature | FVCbank | Wealthfront |
|---|---|---|
| APY | 4.00% Verified: 2/21/2026 ↗︎ 0.15%90d Change | 3.95% Range: 3.30% - 3.95% Verified: 2/21/2026 ↘︎ 0.20%90d Change |
| Product Name | Advantage Direct Savings | Cash Account |
| Minimum Deposit | $500 | $0 |
| Min. Balance for APY | $500 | $0 |
| Monthly Fee | $0 | $0 |
| Compound Frequency | N/A | Daily |
| Branch Access | None | None |
| Account Type | Online Only | Online Only |
| Physical Branches | N/A | None |
| Direct Deposit Req. | None | None |
| Checking Bundle | No | No |
| Mobile Apps | ||
| FDIC Insured | YesVerify FDIC | Yes |
| Zelle® Support | Available Integrated into mobile app. | Not Supported |
| BBB Rating | B- | F |
| Important Notes | - | 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 3.95% for 3 months, after which the 3.30% APY applies. See terms at Wealthfront. |
| Next Steps | Visit SiteVerify at FVCbank Non-sponsored link to official site | Visit SiteVerify at Wealthfront Non-sponsored link to official site |
📈 Compare Savings Rates Over Time
Historical Performance
| Metric | FVCbank | Wealthfront |
|---|---|---|
| Advantage Direct Savings | Cash Account | |
Current APY | 4.00% | 3.95% |
Trend | Stable | Stable |
Velocity (bps/mo) | 5.1 | -8.6 |
Days Since Change | 25 | 22 |
3-Month High | 4.00% | 4.15% |
3-Month Low | 3.85% | 3.90% |
Adjustments / Mo | 0.30 | 0.60 |
Volatility Score | 0.017 | 0.028 |
How to read these metrics(Click to expand)
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More Comparisons
Compare FVCbank's APY of 4.00% with other banks
| Bank Pair | Competitor APY | Min Deposit |
|---|---|---|
| FVCbank vs Ally Bank | 3.20% | $0 |
| FVCbank vs American Express | 3.30% | $0 |
| FVCbank vs Axos Bank | 4.21% | $0 |
| FVCbank vs Bank of America | 0.01% | $100 |
| FVCbank vs Barclays | 3.85% | $0 |
| FVCbank vs Capital One | 3.30% | $0 |
| FVCbank vs Chase Bank | 0.01% | $0 |
| FVCbank vs Chime | 3.00% | $0 |
| FVCbank vs CIT Bank | 3.75% | $100 |
| FVCbank vs Citibank | 3.20% | $0 |
| FVCbank vs Discover Bank | 3.30% | $0 |
| FVCbank vs EverBank | 3.90% | $0 |
| FVCbank vs Marcus by Goldman Sachs | 3.65% | $0 |
| FVCbank vs Newtek Bank | 4.20% | $0.01 |
| FVCbank vs Openbank | 4.09% | $500 |
| FVCbank vs Pibank | 4.60% | $0 |
| FVCbank vs SoFi Bank | 4.00% | $0 |
| FVCbank vs Synchrony Bank | 3.50% | $0 |
| FVCbank vs Varo Bank | 5.00% | $0 |
| FVCbank vs Wells Fargo | 0.05% | $25 |