Capital One vs. Elevault
High-Yield Savings Account Comparison
By Aviel Fahl|Last Updated: October 21, 2025
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Summary of Capital One vs. Elevault
Key Metrics at a Glance
Feature | Capital One | Elevault |
---|---|---|
Top Savings APY | 3.40% 360 Performance Savings | 4.34% High Yield Savings Account |
Minimum to Open | $0 | $0 |
Minimum Balance for Top APY | $0 | $0 |
Note | The 4.34% APY is up to $250,000. Balances above that earn no interest. Daily deposit limit is $2,500. |
Capital One
Strengths
- Capital One offers over 200 branches across several states.
- Capital One has a high App Store rating of 4.9.
- Capital One's 360 Performance Savings has no maintenance fees.
Potential Drawbacks
- Capital One's current APY is 3.40%, down from 3.50% last month.
Elevault
Strengths
- Elevault's High Yield Savings Account offers a competitive APY of 4.34%.
- Elevault has no minimum deposit or balance requirements.
Potential Drawbacks
- Elevault's APY decreased from 4.60% in the past 30 days.
- Elevault is not BBB accredited despite having an A+ rating.
- Elevault has a lower App Store rating of 3.8.
→ As of October 21, 2025 Capital One offers an APY of 3.40% for its 360 Performance Savings account, with a minimum balance of $0, compared to Elevault's 4.34% APY for its High Yield Savings Account, with a minimum balance of $0.
→ Elevault yields $94 more than Capital One on a $10,000 balance after one year. Capital One pays $340, while Elevault pays $434 - an APY advantage for Elevault.
Calculate Savings Growth for Capital One vs Elevault
Capital One - 360 Performance Savings
Total savings breakdown:
- Interest earned: $2,050.5 (10.23%)
- Total contributions: $13,000 (64.84%)
- Initial deposit: $5,000 (24.94%)
Your total balance
$20,050.50
Total balance: $20,050.5
Earnings: $2,050.5
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, Capital One's total earnings would be $605 lower than Elevault's total earnings.
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
Compare Capital One's vs Elevault's Savings Accounts
Capital One | Elevault | ||
---|---|---|---|
Product | 360 Performance Savings | vs | High Yield Savings Account |
APY | 3.40% (as of 10/21/2025) | 4.34% (as of 10/21/2025) | |
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 4.34% APY is up to $250,000. Balances above that earn no interest. Daily deposit limit is $2,500. | ||
App Store Rating | 4.9/5 | 3.8/5 | |
Google Play Rating | 4.5/5 | 3.9/5 | |
BBB Rating | A+ | A+ |
Comparative Historical APY Insights (Last 2 Months)
Capital One | Elevault | ||
---|---|---|---|
Product | 360 Performance Savings | vs | High Yield Savings Account |
Latest APY | 3.40 % | 4.34 % | |
Trend | Sideways | Falling | |
Slope (bps/mo) | -4.7 | -14.7 | |
Rate Changes / Mo | 0.39 | 0.39 | |
Days Since Last Change | 20 | 29 | |
High (-2 m) | 3.50 % | 4.60 % | |
Low (-2 m) | 3.40 % | 4.34 % | |
Draw-down from High | -2.9 % | -5.7 % | |
Volatility (CV) | 0.013 | 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.