Capital One vs. Elevault
Compare rates, requirements, and features side-by-side to find the best option for you.
Capital One
360 Performance Savings
3.40%APYDec 6, 2025FDIC InsuredNo MinimumsGreat iOS AppGreat Android AppIn-Person AccessShow Fine Print & Trends Hide Details
Capital One
360 Performance Savings
Elevault
High Yield Savings Account
4.08%APYDec 6, 2025FDIC InsuredNo MinimumsShow Fine Print & Trends Hide Details
Elevault
High Yield Savings Account
Market Reality Check
Both of these banks offer rates below the current top tier. The best rates we track are currently above 4.25% APY.
Comparison Analysis
Comparing Capital One vs. Elevault
Why Capital One?
- ✓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)
Why Elevault?
- ✓Higher potential APY (4.08% vs 3.40%) on all balances
— Key Feature Differences —
Better Returns at $10,000
ElevaultElevault's High Yield Savings Account earns more on smaller deposits (approx. $408 vs $340/yr).
Better Returns at $25,000
ElevaultElevault's High Yield Savings Account pulls ahead with larger amounts (approx. $1020 vs $850/yr).
Best for Simplicity
ElevaultElevault's High Yield Savings Account offers 4.08% 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 $68 more interest on a $10,000 balance than Capital One's 360 Performance Savings.
Executive Summary
Elevault offers a High Yield Savings Account with a competitive APY of 4.08%, making it the clear winner in this comparison. This account is online-only and allows for a daily deposit limit of $2,500, with no interest earned on balances exceeding $250,000. In contrast, Capital One's 360 Performance Savings account provides an APY of 3.40%, which is significantly lower. While Capital One boasts a strong mobile app experience, the higher yield and simplicity of Elevault's account make it a more attractive option for savers.
Analysis generated based on current Banksparency database records
* AI-generated content provided for informational purposes only. Accuracy is not guaranteed; always verify details with the provider.
Top Market Contenders
See who beats both Capital One and Elevault.
| Feature | Capital One | Elevault |
|---|---|---|
| APY | 3.40% Verified: 12/6/2025 ↘︎ 0.10%90d Change | 4.08% Verified: 12/6/2025 ↘︎ 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 |
| BBB Rating | A+ | A+ |
| Important Notes | - | The 4.08% APY is up to $250,000. Balances above that earn no interest. Daily deposit limit is $2,500. |
| Next Steps |
Savings Comparison
Elevault earns $435.9 more than Capital One.
Capital One
360 Performance Savings
Savings Breakdown
- Interest Earned+$2,050.50(10.2%)
- Total Contributions$13,000
- Initial Deposit$5,000
Projected Balance
$20,050.50
Elevault
High Yield Savings Account
Savings Breakdown
- Interest Earned+$2,486.40(12.1%)
- Total Contributions$13,000
- Initial Deposit$5,000
Projected Balance
$20,486.40
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
📈 Compare Savings Rates Over Time
Historical Performance
| Metric | Capital One | Elevault |
|---|---|---|
| 360 Performance Savings | High Yield Savings Account | |
Current APY | 3.40% | 4.08% |
Trend | Stable | Stable |
Velocity (bps/mo) | -3.6 | -16.6 |
Days Since Change | 66 | 32 |
4-Month High | 3.50% | 4.60% |
4-Month Low | 3.40% | 4.08% |
Adjustments / Mo | 0.25 | 0.49 |
Volatility Score | 0.014 | 0.048 |
How to read these metrics(Click to expand)
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