Bread Savings vs. Elevault
Compare rates, requirements, and features side-by-side to find the best option for you.
Bread Savings
High-Yield Savings Account
4.10%APYDec 10, 2025FDIC InsuredLow MinimumsGreat iOS AppGreat Android AppShow Fine Print & Trends Hide Details
Bread Savings
High-Yield Savings Account
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.
Bread Savings vs. Elevault Savings Calculator
Bread Savings earns $13 more than Elevault.
Bread Savings
High-Yield Savings Account
Savings Breakdown
- Interest Earned+$2,499.40(12.2%)
- Total Contributions$13,000
- Initial Deposit$5,000
Projected Balance
$20,499.40
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 Bread Savings vs. Elevault
Why Bread Savings?
- ✓Higher rated iOS app (4.7 vs 3.7)
- ✓Higher rated Android app (4.5 vs 3.9)
Why Elevault?
No distinct advantages found vs Bread Savings.
— Key Feature Differences —
Best Mobile App Experience
Bread SavingsBread Savings offers an iOS app rated 4.7 (vs. 3.7) and Android app rated 4.5 (vs. 3.9)
Shared Benefits
Over a 1-year period, Bread Savings's High-Yield Savings Account pays $2 more interest on a $10,000 balance than Elevault's High Yield Savings Account.
*This calculation assumes current rates remain consistent for 1 year and does not include temporary bonuses.
Executive Summary
Bread Savings offers a High-Yield Savings Account with a competitive APY of 4.10%, slightly higher than Elevault's 4.08%. Both accounts are online-only and require no maintenance fees, with Bread Savings requiring a minimum deposit of $100 while Elevault has no minimum deposit requirement. Notably, Elevault's APY applies to balances up to $250,000, after which no interest is earned. Additionally, Bread Savings is recognized for its superior mobile app experience, with ratings of 4.7 on iOS and 4.5 on Android.
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 Bread Savings and Elevault.
| Feature | Bread Savings | Elevault |
|---|---|---|
| APY | 4.10% Verified: 12/10/2025 ↘︎ 0.15%90d Change | 4.08% Verified: 12/10/2025 ↘︎ 0.52%90d Change |
| Product Name | High-Yield Savings Account | High Yield Savings Account |
| Minimum Deposit | $100 | $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 | iOS4.7 Android4.5 | 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 | Bread Savings | Elevault |
|---|---|---|
| High-Yield Savings Account | High Yield Savings Account | |
Current APY | 4.10% | 4.08% |
Trend | Stable | Stable |
Velocity (bps/mo) | -3.1 | -16.2 |
Days Since Change | 5 | 36 |
4-Month High | 4.25% | 4.60% |
4-Month Low | 4.10% | 4.08% |
Adjustments / Mo | 0.71 | 0.47 |
Volatility Score | 0.010 | 0.049 |
How to read these metrics(Click to expand)
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