Capital One vs. Elevault
Compare rates, requirements, and features side-by-side to find the best option for you.
| Metric | Capital One360 Performance Savings Jan 21, 2026 | ElevaultHigh Yield Savings Account Jan 21, 2026 |
|---|---|---|
| APY | 3.30% | 3.82% |
Est. Earnings | $5,000+$165 $10,000+$330 $25,000+$825 | $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® Supported | FDIC InsuredNo Minimums |
Market Reality Check
Both of these banks offer rates below the current top tier. The best rates we track are currently above 4.20% APY.
Comparison Analysis
Comparing Capital One vs. Elevault
As of Capital One offers an APY of 3.30% for its 360 Performance Savings account, with a minimum balance of $0, compared to Elevault's 3.82% APY for its High Yield Savings Account, with a minimum balance of $0.
Elevault pays $52 more than Capital One on a $10,000 balance after one year. Capital One pays $330, while Elevault pays $382 - an APY advantage for Elevault.
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 (4.9 vs 3.7)
- ✓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 3.30%) 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 $330/yr).
Better Returns at $25,000
ElevaultElevault's High Yield Savings Account pulls ahead with larger amounts (approx. $955 vs $825/yr).
Best for Simplicity
Capital OneCapital One's 360 Performance Savings offers 3.30% APY with no bundling, direct deposit requirement or caps.
Best Mobile App Experience
Capital OneCapital One offers an iOS app rated 4.9 (vs. 3.7) and Android app rated 4.5 (vs. 3.9)
Shared Benefits
Over a 1-year period, Elevault's High Yield Savings Account pays $52 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.
Executive Summary as of
Elevault offers a competitive High Yield Savings Account with an APY of 3.82%, making it the winner in this comparison. This account allows for a daily deposit limit of $2,500 and earns interest on balances up to $250,000, while balances exceeding this amount earn no interest. In contrast, Capital One's 360 Performance Savings provides a 3.30% APY, with no minimum deposit or maintenance fees, but is less competitive for higher balances. Both banks have no direct deposit requirements, and while Capital One has a strong mobile app experience, Elevault's higher APY makes it more appealing for savers.
The analysis is based on current Banksparency database records
* This content is provided for informational purposes only; always verify details with the provider.
Non-sponsored link to official site
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Capital One vs. Elevault Savings Calculator
You earn $52 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+$330.00(3.2%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,330.00
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.
| Feature | Capital One | Elevault |
|---|---|---|
| APY | 3.30% Verified: 1/21/2026 ↘︎ 0.10%90d Change | 3.82% Verified: 1/21/2026 ↘︎ 0.52%90d Change |
| Product Name | 360 Performance Savings | High Yield Savings Account |
| Minimum Deposit | $0 | $0 |
| Min. Balance for APY | $0 | $0 |
| Monthly Fee | $0 | $0 |
| Branch Access | Yes | None |
| Account Type | Online & Branches | Online Only |
| Direct Deposit Req. | None | None |
| Checking Bundle | No | No |
| Mobile Apps | iOS4.9 Android4.5 | iOS3.7 Android3.9 |
| 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 | 3.30% | 3.82% |
Trend | Stable | Stable |
Velocity (bps/mo) | -3.1 | -17.3 |
Days Since Change | 13 | 36 |
6-Month High | 3.50% | 4.60% |
6-Month Low | 3.30% | 3.82% |
Adjustments / Mo | 0.36 | 0.54 |
Volatility Score | 0.017 | 0.068 |
How to read these metrics(Click to expand)
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