FVCbank vs. Wealthfront
Compare rates, requirements, and features side-by-side to find the best option for you.
| Metric | FVCbankAdvantage Direct Savings Jan 7, 2026 | WealthfrontCash Account Jan 7, 2026 |
|---|---|---|
| APY | 3.85% | 3.25% - 3.90% |
Est. Earnings | $5,000+$193 $10,000+$385 $25,000+$963 | $5,000+$171 $10,000+$341 $25,000+$853 |
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 3.90% for 3 months, after which the 3.25% APY applies. See terms at Wealthfront. |
| Features | FDIC InsuredLow MinimumsGreat iOS AppZelle® Supported | FDIC InsuredNo MinimumsGreat iOS AppGreat Android App |
Market Reality Check
Both of these banks offer rates below the current top tier. The best rates we track are currently above 4.21% APY.
Comparison Analysis
Comparing FVCbank vs. Wealthfront
As of FVCbank offers an APY of 3.85% for its Advantage Direct Savings account, with a minimum balance of $500, compared to Wealthfront's 3.90% APY for its Cash Account, with a minimum balance of $0.
FVCbank pays $44 more than Wealthfront on a $10,000 balance after one year. FVCbank pays $385, while Wealthfront pays $341 (with an effective APY of 3.41%) - an APY advantage for FVCbank.
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. $385 vs $341/yr).
Better Returns at $25,000
FVCbankFVCbank's Advantage Direct Savings pulls ahead with larger amounts (approx. $963 vs $853/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 $44 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.
Executive Summary as of
FVCbank offers the Advantage Direct Savings account with a competitive APY of 3.85%, making it a strong choice for savers looking to earn more on their deposits. This account requires a minimum deposit and balance of $500 but has no maintenance fees and does not require direct deposit. In contrast, Wealthfront's Cash Account provides a slightly lower APY of 3.90% for the first three months, after which it drops to 3.25%. While Wealthfront has no minimum deposit or balance requirements, it is important to note that it is not a bank but a financial services company, and the account is FDIC-insured through partner banks. Both options are online-only.
The analysis is based on current Banksparency database records
* This content is provided for informational purposes only; always verify details with the provider.
Non-sponsored link to official site
Non-sponsored link to official site
Top Market Contenders
FVCbank vs. Wealthfront Savings Calculator
You earn $42.5 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+$385.00(3.7%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,385.00
Wealthfront
Cash Account
Promo Rate: 3.90% for 3 months, then 3.25%.
Savings Breakdown
- Interest Earned+$342.50(3.3%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,342.50
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
| Feature | FVCbank | Wealthfront |
|---|---|---|
| APY | 3.85% Verified: 1/7/2026 ↘︎ 0.25%90d Change | 3.90% Range: 3.25% - 3.90% Verified: 1/7/2026 - |
| Product Name | Advantage Direct Savings | Cash Account |
| Minimum Deposit | $500 | $0 |
| Min. Balance for APY | $500 | $0 |
| 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 Android4.9 |
| 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 3.90% for 3 months, after which the 3.25% 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 | 3.85% | 3.90% |
Trend | Stable | Stable |
Velocity (bps/mo) | 0.0 | -19.4 |
Days Since Change | 54 | 19 |
2-Month High | 3.85% | 4.15% |
2-Month Low | 3.85% | 3.90% |
Adjustments / Mo | 0.00 | 0.55 |
Volatility Score | 0.000 | 0.030 |
How to read these metrics(Click to expand)
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