Briodirect vs. Elevault
High-Yield Savings Account Comparison
By Aviel Fahl|Last Updated: October 21, 2025
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Summary of BrioDirect vs. Elevault
Key Metrics at a Glance
| Feature | BrioDirect | Elevault |
|---|---|---|
| Top Savings APY | 4.20% High-Yield Savings Account | 4.34% High Yield Savings Account |
| Minimum to Open | $5,000 | $0 |
| Minimum Balance for Top APY | $25 | $0 |
| Note | The 4.34% APY is up to $250,000. Balances above that earn no interest. Daily deposit limit is $2,500. |
BrioDirect
Strengths
- BrioDirect offers a competitive APY of 4.20%, though it decreased from 4.30% last month.
- BrioDirect has no maintenance fees for its High-Yield Savings Account.
- BrioDirect's App Store rating is higher at 4.7 compared to Elevault's 3.8.
Potential Drawbacks
- BrioDirect has a lower APY compared to Elevault's 4.34%.
- BrioDirect requires a minimum deposit of $5,000 to open the High-Yield Savings Account.
- BrioDirect has a B- BBB rating, indicating lower trustworthiness.
Elevault
Strengths
- Elevault's High Yield Savings Account has a higher APY of 4.34%, though it decreased from 4.60% last month.
- Elevault has no minimum deposit or balance requirements for its High Yield Savings Account.
- Elevault has an A+ BBB rating, reflecting higher trustworthiness.
Potential Drawbacks
- Elevault's App Store rating is lower at 3.8 compared to BrioDirect's 4.7.
- Elevault's High Yield Savings Account has a daily deposit limit of $2,500.
- Elevault does not have a branch network for in-person banking.
→ As of October 21, 2025 BrioDirect offers an APY of 4.20% for its High-Yield Savings Account, with a minimum balance of $25, compared to Elevault's 4.34% APY for its High Yield Savings Account, with a minimum balance of $0.
→ Elevault yields $14 more than BrioDirect on a $10,000 balance after one year. BrioDirect pays $420, while Elevault pays $434 - an APY advantage for Elevault.
Calculate Savings Growth for BrioDirect vs Elevault
BrioDirect - High-Yield Savings Account
Total savings breakdown:
- Interest earned: $2,564.3 (12.47%)
- Total contributions: $13,000 (63.22%)
- Initial deposit: $5,000 (24.31%)
Your total balance
$20,564.30
Total balance: $20,564.3
Earnings: $2,564.3
Bank OverviewElevault - High Yield Savings Account
Total savings breakdown:
- Interest earned: $2,655.5 (12.86%)
- Total contributions: $13,000 (62.94%)
- Initial deposit: $5,000 (24.21%)
Your total balance
$20,655.50
Total balance: $20,655.5
Earnings: $2,655.5
Bank OverviewWith a $5,000 initial deposit and $13,000 in total contributions over 5 years, BrioDirect's total earnings would be $91.2 lower than Elevault's total earnings.
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
Compare BrioDirect's vs Elevault's Savings Accounts
| BrioDirect | Elevault | ||
|---|---|---|---|
| Product | High-Yield Savings Account | vs | High Yield Savings Account |
| APY | 4.20% (as of 10/21/2025) | 4.34% (as of 10/21/2025) | |
| Bundled Account | No | No | |
| FDIC-insured | Yes | Yes | |
| Online Only | Yes | Yes | |
| Compound Frequency | Daily | Daily | |
| Minimum Deposit | $5,000 | $0 | |
| Minimum Balance for APY | $25 | $0 | |
| Maintenance Fee | $0 | $0 | |
| Direct Deposit Required | No | No | |
| Note | The 4.34% APY is up to $250,000. Balances above that earn no interest. Daily deposit limit is $2,500. | ||
| App Store Rating | 4.7/5 | 3.8/5 | |
| Google Play Rating | 4.3/5 | 3.9/5 | |
| BBB Rating | B- | A+ |
Comparative Historical APY Insights (Last 2 Months)
| BrioDirect | Elevault | ||
|---|---|---|---|
| Product | High-Yield Savings Account | vs | High Yield Savings Account |
| Latest APY | 4.20 % | 4.34 % | |
| Trend | Sideways | Falling | |
| Slope (bps/mo) | -3.9 | -14.7 | |
| Rate Changes / Mo | 0.39 | 0.39 | |
| Days Since Last Change | 14 | 29 | |
| High (-2 m) | 4.30 % | 4.60 % | |
| Low (-2 m) | 4.20 % | 4.34 % | |
| Draw-down from High | -2.3 % | -5.7 % | |
| Volatility (CV) | 0.010 | 0.028 |
APY Insights Glossary
- Latest APY
- Most recent advertised annual-percentage yield.
- Trend
- Direction over the last 2 months (regression slope).
- Slope (bps/mo)
- Average monthly change; 10 bps = 0.10 pp.
- Rate Changes / Mo
- Typical number of APY moves per month.
- Days Since Last Change
- Recency of the latest APY adjustment.
- High (-2 m)
- Highest APY in the last 76 days.
- Low (-2 m)
- Lowest APY in the last 76 days.
- Draw-down from High
- How far today sits below the 2-month peak.
- Volatility (CV)
- Coefficient of variation = stdev ÷ mean.
Why Track Savings-Account APYs?
- See how quickly a bank reacts to Fed moves or competition.
- Gauge “twitchiness” - frequent moves can annoy savers.
- Spot if you're buying near a peak (draw-down) or riding a rise.
- Slope (bps/mo) shows speed of change.
- Volatility (CV) scales jumps by average level.