Capital One vs Elevault
High-Yield Savings Accounts Comparison
Last Updated: September 5, 2025
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Summary of Capital One vs. Elevault
As of September 5, 2025 Capital One offers an APY of 3.50% for its 360 Performance Savings account, with a minimum balance of $0, compared to Elevault's 4.60% APY for its High Yield Savings Account, with a minimum balance of $0.
Elevault yields $110 more than Capital One on a $10,000 balance after one year. Capital One pays $350, while Elevault pays $460 - an APY advantage for Elevault.
Capital One
Strengths
- Capital One has over 200 branches across multiple states.
- Capital One's 360 Performance Savings has no minimum balance requirement.
- Capital One has a high App Store rating of 4.9.
Potential Drawbacks
- Capital One's current APY is lower at 3.50% compared to Elevault.
- Capital One is not an online-only bank.
Elevault
Strengths
- Elevault offers a higher APY of 4.60% for its High Yield Savings Account.
- Elevault has no maintenance fees or minimum balance requirements.
- Elevault is an online-only bank, providing convenience.
Potential Drawbacks
- Elevault is not BBB Accredited despite having an A+ rating.
- Elevault has a lower App Store rating of 3.9.
Summary: Capital One offers a solid APY of 3.50% with extensive branch access and a high App Store rating. In contrast, Elevault provides a superior APY of 4.60% but lacks branch locations and is not BBB Accredited. Both banks have no maintenance fees or minimum balance requirements, making them appealing options for savers, though Capital One's higher App Store rating may attract more users.
Compare Capital One's vs Elevault's Savings Accounts
| Capital One | Elevault | ||
|---|---|---|---|
| Product | 360 Performance Savings | vs | High Yield Savings Account |
| APY | 3.50% (as of 9/5/2025) | 4.60% (as of 9/5/2025) | |
| Bundled Account | No | No | |
| FDIC-insured | Yes | Yes | |
| Online Only | No | Yes | |
| Compound Frequency | Monthly | Daily | |
| Minimum Deposit | $0 | $0 | |
| Minimum Balance for APY | $0 | $0 | |
| Maintenance Fee | $0 | $0 | |
| Direct Deposit Required | No | No | |
| Note | The 4.60% APY is up to $250,000. Balances above that earn no interest. Daily deposit limit is $2,500. | ||
| App Store Rating | 4.9/5 | 3.9/5 | |
| Google Play Rating | 4.5/5 | 4.0/5 | |
| BBB Rating | A+ | A+ |
Comparative Historical APY Insights (Last 1 Month)
| Capital One | Elevault | ||
|---|---|---|---|
| Product | 360 Performance Savings | vs | High Yield Savings Account |
| Latest APY | 3.50 % | 4.60 % | |
| Trend | Sideways | Sideways | |
| Slope (bps/mo) | 0.0 | 0.0 | |
| Rate Changes / Mo | 0.00 | 0.00 | |
| Days Since Last Change | 29 | 29 | |
| High (-1 m) | 3.50 % | 4.60 % | |
| Low (-1 m) | 3.50 % | 4.60 % | |
| Draw-down from High | 0.0 % | 0.0 % | |
| Volatility (CV) | 0.000 | 0.000 |
APY Insights Glossary
- Latest APY
- Most recent advertised annual-percentage yield.
- Trend
- Direction over the last 1 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 (-1 m)
- Highest APY in the last 30 days.
- Low (-1 m)
- Lowest APY in the last 30 days.
- Draw-down from High
- How far today sits below the 1-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.
Calculate Savings Growth for Capital One vs Elevault
All calculations are based on APY.
Capital One
APY: 3.50%
Total savings breakdown:
- Interest earned: $2,114.1 (10.51%)
- Total contributions: $13,000 (64.63%)
- Initial deposit: $5,000 (24.86%)
Your total balance
$20,114.10
Effective APY: 3.50% (based on your deposit and contributions)
Total balance: $20,114.1
Earnings: $2,114.1
Bank OverviewElevault
APY: 4.60%
Total savings breakdown:
- Interest earned: $2,825.8 (13.57%)
- Total contributions: $13,000 (62.42%)
- Initial deposit: $5,000 (24.01%)
Your total balance
$20,825.80
Effective APY: 4.60% (based on your deposit and contributions)
Total balance: $20,825.8
Earnings: $2,825.8
Bank OverviewWith a $5,000 initial deposit and $13,000 in total contributions over 5 years, Capital One's total earnings would be $711.7 lower than Elevault's total earnings.
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
More Comparisons
Compare Capital One's APY of 3.50% with other banks
| Bank Pair | Competitor APY | Min Deposit |
|---|---|---|
| Capital One vs Ally Bank | 3.50% | $0 |
| Capital One vs American Express | 3.50% | $0 |
| Capital One vs Axos Bank | 4.46% | $0 |
| Capital One vs Bank of America | 0.01% | $100 |
| Capital One vs Barclays | 4.10% | $0 |
| Capital One vs BrioDirect | 4.30% | $5,000 |
| Capital One vs Chase Bank | 0.01% | $0 |
| Capital One vs Chime | 3.75% | $0 |
| Capital One vs CIT Bank | 4.00% | $100 |
| Capital One vs Discover Bank | 3.50% | $0 |
| Capital One vs EverBank | 4.30% | $0 |
| Capital One vs Fitness Bank | 4.75% | $100 |
| Capital One vs FVCbank | 4.35% | $500 |
| Capital One vs GO2bank | 4.50% | $0 |
| Capital One vs Marcus by Goldman Sachs | 3.65% | $0 |
| Capital One vs Neighbors Bank | 4.60% | $0 |
| Capital One vs Newtek Bank | 4.35% | $0 |
| Capital One vs Peak Bank | 4.35% | $100 |
| Capital One vs Pibank | 4.60% | $0 |
| Capital One vs Presidential Bank | 4.50% | $5,000 |
| Capital One vs Santander Bank | 0.03% | $25 |
| Capital One vs SoFi Bank | 3.80% | $0 |
| Capital One vs Synchrony Bank | 3.80% | $0 |
| Capital One vs TIMBR | 4.40% | $1,000 |
| Capital One vs UFB Direct | 4.21% | $5000 |
| Capital One vs Varo Bank | 5.00% | $0 |
| Capital One vs Wells Fargo | 2.51% | $25 |
| Capital One vs Zynlo Bank | 4.35% | $10 |
Compare Elevault's APY of 4.60% with other banks
| Bank Pair | Competitor APY | Min Deposit |
|---|---|---|
| Elevault vs Ally Bank | 3.50% | $0 |
| Elevault vs American Express | 3.50% | $0 |
| Elevault vs Axos Bank | 4.46% | $0 |
| Elevault vs Bank of America | 0.01% | $100 |
| Elevault vs Barclays | 4.10% | $0 |
| Elevault vs BrioDirect | 4.30% | $5,000 |
| Elevault vs Chase Bank | 0.01% | $0 |
| Elevault vs Chime | 3.75% | $0 |
| Elevault vs CIT Bank | 4.00% | $100 |
| Elevault vs Discover Bank | 3.50% | $0 |
| Elevault vs EverBank | 4.30% | $0 |
| Elevault vs Fitness Bank | 4.75% | $100 |
| Elevault vs FVCbank | 4.35% | $500 |
| Elevault vs GO2bank | 4.50% | $0 |
| Elevault vs Marcus by Goldman Sachs | 3.65% | $0 |
| Elevault vs Neighbors Bank | 4.60% | $0 |
| Elevault vs Newtek Bank | 4.35% | $0 |
| Elevault vs Peak Bank | 4.35% | $100 |
| Elevault vs Pibank | 4.60% | $0 |
| Elevault vs Presidential Bank | 4.50% | $5,000 |
| Elevault vs Santander Bank | 0.03% | $25 |
| Elevault vs SoFi Bank | 3.80% | $0 |
| Elevault vs Synchrony Bank | 3.80% | $0 |
| Elevault vs TIMBR | 4.40% | $1,000 |
| Elevault vs UFB Direct | 4.21% | $5000 |
| Elevault vs Varo Bank | 5.00% | $0 |
| Elevault vs Wells Fargo | 2.51% | $25 |
| Elevault vs Zynlo Bank | 4.35% | $10 |