Betterment vs. Elevault
Compare rates, requirements, and features side-by-side to find the best option for you.
Betterment
Cash Reserve
3.50%APYDec 10, 2025FDIC InsuredLow MinimumsGreat iOS AppGreat Android AppShow Fine Print & Trends Hide Details
Betterment
Cash Reserve
Elevault
High Yield Savings Account
4.08%APYDec 10, 2025FDIC InsuredNo MinimumsShow Fine Print & Trends Hide Details
Elevault
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.
Betterment vs. Elevault Savings Calculator
Elevault earns $372.3 more than Betterment.
Betterment
Cash Reserve
Savings Breakdown
- Interest Earned+$2,114.10(10.5%)
- Total Contributions$13,000
- Initial Deposit$5,000
Projected Balance
$20,114.10
Elevault
High Yield Savings Account
Savings Breakdown
- Interest Earned+$2,486.40(12.1%)
- Total Contributions$13,000
- Initial Deposit$5,000
Projected Balance
$20,486.40
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
Comparison Analysis
Comparing Betterment vs. Elevault
Why Betterment?
- ✓Higher rated iOS app (4.8 vs 3.7)
- ✓Higher rated Android app (4.7 vs 3.9)
Why Elevault?
- ✓Higher potential APY (4.08% vs 3.50%) on all balances
— Key Feature Differences —
Better Returns at $10,000
ElevaultElevault's High Yield Savings Account earns more on smaller deposits (approx. $408 vs $350/yr).
Better Returns at $25,000
ElevaultElevault's High Yield Savings Account pulls ahead with larger amounts (approx. $1020 vs $875/yr).
Best for Simplicity
ElevaultElevault's High Yield Savings Account offers 4.08% APY with no bundling, direct deposit requirement or caps.
Best Mobile App Experience
BettermentBetterment offers an iOS app rated 4.8 (vs. 3.7) and Android app rated 4.7 (vs. 3.9)
Shared Benefits
Over a 1-year period, Elevault's High Yield Savings Account pays $58 more interest on a $10,000 balance than Betterment's Cash Reserve.
*This calculation assumes current rates remain consistent for 1 year and does not include temporary bonuses.
Executive Summary
Elevault offers a High Yield Savings Account with a competitive APY of 4.08%, making it the winner in this comparison. This account is online-only and requires no minimum deposit or balance, with no maintenance fees. It allows daily deposits up to $2,500, and the interest rate applies to balances up to $250,000. In contrast, Betterment's Cash Reserve provides a lower APY of 3.50%, also online-only, with a minimum deposit of $10 and no maintenance fees. While Betterment is noted for its superior mobile app experience, Elevault stands out for its higher returns and simplicity.
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 Betterment and Elevault.
| Feature | Betterment | Elevault |
|---|---|---|
| APY | 3.50% Verified: 12/10/2025 ↘︎ 0.50%90d Change | 4.08% Verified: 12/10/2025 ↘︎ 0.52%90d Change |
| Product Name | Cash Reserve | High Yield Savings Account |
| Minimum Deposit | $10 | $0 |
| Min. Balance for APY | $0 | $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 | iOS4.8 Android4.7 | iOS3.7 Android3.9 |
| BBB Rating | A- | A+ |
| Important Notes | - | The 4.08% APY is up to $250,000. Balances above that earn no interest. Daily deposit limit is $2,500. |
| Next Steps |
📈 Compare Savings Rates Over Time
Historical Performance
| Metric | Betterment | Elevault |
|---|---|---|
| Cash Reserve | High Yield Savings Account | |
Current APY | 3.50% | 4.08% |
Trend | Stable | Stable |
Velocity (bps/mo) | -16.1 | -16.2 |
Days Since Change | 39 | 36 |
4-Month High | 4.00% | 4.60% |
4-Month Low | 3.50% | 4.08% |
Adjustments / Mo | 0.47 | 0.47 |
Volatility Score | 0.057 | 0.049 |
How to read these metrics(Click to expand)
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