Capital One vs. Elevault
Comparing Capital One and Elevault for high-yield savings: Capital One's 360 Performance Savings pays 3.20% APY while Elevault's High Yield Savings Account pays 3.82% APY.
Note: Elevault caps its top rate at $250,000.
See how they compare on rate stability, mobile app ratings, and more below.
The Bottom Line
Who pays more interest on $10,000? Elevault pays $62 more than Capital One annually ($382 vs $320).
Choose Capital One if you want a no-strings-attached account, you value in-person banking, mobile app quality matters, or you want Zelle for quick transfers. Choose Elevault if getting the best rate matters most.
| Metric | Capital One360 Performance Savings Apr 21, 2026 | ElevaultHigh Yield Savings Account Apr 21, 2026 |
|---|---|---|
| APY | 3.20% | 3.82% |
Est. Earnings | $5,000+$160 $10,000+$320 $25,000+$800 | $5,000+$191 $10,000+$382 $25,000+$955 |
Min Deposit | $0 | $0 |
Snapshot view. Rates subject to change. | ||
Terms | - | The 3.82% APY is up to $250,000. Balances above that earn no interest. Daily deposit limit is $2,500. |
| Features | FDIC InsuredNo MinimumsGreat iOS AppGreat Android AppIn-Person AccessZelle® SupportedRate Changes Often | FDIC InsuredNo MinimumsDaily CompoundingRate Changes Often |
Market Reality Check
Both of these banks offer rates below the current top tier. The best rates we track are currently above 4.07% APY.
Comparison Analysis
Comparing Capital One vs. Elevault
Executive Summary
Elevault offers a High Yield Savings Account with a competitive APY of 3.82%, making it the winner in this comparison. This account is online-only and allows deposits up to $250,000, with a daily deposit limit of $2,500. In contrast, Capital One's 360 Performance Savings provides a solid APY of 3.20% with no direct deposit requirement or minimum balance, making it a good alternative for those seeking simplicity. Both banks have no maintenance fees and maintain FDIC insurance, but Elevault clearly leads in terms of interest rates.
The analysis is based on current Banksparency database records
* This content is provided for informational purposes only; always verify details with the provider.
Why Capital One?
- ✓No checking account or direct deposit required
- ✓Physical branch access (Over 200 branches in Louisiana, Maryland, New Jersey, New York, Texas, Virginia and Washington, D.C.)
- ✓Higher rated iOS app (4.8 vs 3.6)
- ✓Higher rated Android app (4.5 vs 3.9)
- ✓Fast transfers via Zelle® (up to $2,500 a day)
Why Elevault?
- ✓Higher potential APY (3.82% vs 3.20%) on all balances
— Key Feature Differences —
Better Returns at $10,000
ElevaultElevault's High Yield Savings Account earns more on smaller deposits (approx. $382 vs $320/yr).
Better Returns at $25,000
ElevaultElevault's High Yield Savings Account pulls ahead with larger amounts (approx. $955 vs $800/yr).
Best for Simplicity
Capital OneCapital One's 360 Performance Savings offers 3.20% APY with no bundling, direct deposit requirement or caps.
Best Mobile App Experience
Capital OneCapital One offers an iOS app rated 4.8 (vs. 3.6) and Android app rated 4.5 (vs. 3.9)
Shared Benefits
Over a 1-year period, Elevault's High Yield Savings Account pays $62 more interest on a $10,000 balance than Capital One's 360 Performance Savings.
*This calculation assumes current rates remain consistent for 1 year and does not include temporary bonuses.
Non-sponsored link to official site
Non-sponsored link to official site
Top Market Contenders
Capital One vs. Elevault Savings Calculator
You earn $62 more with Elevault than Capital One 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.
Capital One
360 Performance Savings
Savings Breakdown
- Interest Earned+$320.00(3.1%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,320.00
Elevault
High Yield Savings Account
3.82% on first $250,000 and 0.00% thereafter.
Savings Breakdown
- Interest Earned+$382.00(3.7%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,382.00
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
Still banking with Chase, Bank of America, or Wells Fargo?
On a $10,000 balance, you're missing out on at least $319 per year in interest.
Both Capital One and Elevault dramatically outperform the typical 0.01% APY at traditional big banks.
| Feature | Capital One | Elevault |
|---|---|---|
| APY | 3.20% Verified: 4/21/2026 ↘︎ 0.10%90d Change | 3.82% Verified: 4/21/2026 Stable (90d) |
| Product Name | 360 Performance Savings | High Yield Savings Account |
| Minimum Deposit | $0 | $0 |
| Min. Balance for APY | $0 | $0 |
| Monthly Fee | $0 | $0 |
| Compound Frequency | Monthly | Daily |
| Branch Access | Yes | None |
| Account Type | Online & Branches | Online Only |
| Physical Branches | Over 200 branches in Louisiana, Maryland, New Jersey, New York, Texas, Virginia and Washington, D.C. | N/A |
| Direct Deposit Req. | None | None |
| Checking Bundle | No | No |
| Mobile Apps | ||
| FDIC Insured | YesVerify FDIC | YesVerify FDIC |
| Zelle® Support | Available Limit: $2,500/dayAvailable for 360 Checking accounts. | Not Supported |
| BBB Rating | A+ | A |
| Important Notes | - | The 3.82% APY is up to $250,000. Balances above that earn no interest. Daily deposit limit is $2,500. |
| Next Steps | Visit SiteVerify at Capital One Non-sponsored link to official site | Visit SiteVerify at Elevault Non-sponsored link to official site |
📈 Compare Savings Rates Over Time
Historical Performance
| Metric | Capital One | Elevault |
|---|---|---|
| 360 Performance Savings | High Yield Savings Account | |
Current APY | 3.20% | 3.82% |
Trend | Stable | Stable |
Velocity (bps/mo) | -3.8 | -10.8 |
Days Since Change | 40 | 126 |
8-Month High | 3.50% | 4.60% |
8-Month Low | 3.20% | 3.82% |
Adjustments / Mo | 0.35 | 0.35 |
Volatility Score | 0.029 | 0.071 |
How to read these metrics(Click to expand)
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More Comparisons
Compare Capital One's APY of 3.20% with other banks
Compare Elevault's APY of 3.82% with other banks
| Bank Pair | Competitor APY | Min Deposit |
|---|---|---|
| Elevault vs Ally Bank | 3.10% | $0 |
| Elevault vs American Express | 3.20% | $0 |
| Elevault vs Axos Bank | 4.21% | $0 |
| Elevault vs Barclays | 3.75% | $0 |
| Elevault vs Chime | 3.00% | $0 |
| Elevault vs CIT Bank | 3.75% | $100 |
| Elevault vs Discover Bank | 3.30% | $0 |
| Elevault vs EverBank | 3.90% | $0 |
| Elevault vs Marcus by Goldman Sachs | 3.50% | $0 |
| Elevault vs Newtek Bank | 4.20% | $0.01 |
| Elevault vs Openbank | 4.00% | $500 |
| Elevault vs Pibank | 4.40% | $0 |
| Elevault vs SoFi Bank | 4.00% | $0 |
| Elevault vs Synchrony Bank | 3.40% | $0 |
| Elevault vs Varo Bank | 5.00% | $0 |
| Elevault vs Wealthfront | 4.20% | $0 |