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

FeatureCapital OneElevault
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
NoteThe 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.
Summary: Capital One provides a solid APY of 3.40% with branch access and high app ratings, but its APY has recently decreased. In contrast, Elevault offers a higher APY of 4.34%, though it has seen a drop and lacks branch locations, along with lower app ratings and no BBB accreditation.

→ 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

All calculations are based on APY.

Capital One - 360 Performance Savings

Top APY: 3.40%

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

Effective APY: 3.40% (based on your deposit and contributions)

Total balance: $20,050.5

Earnings: $2,050.5

Bank Overview

Elevault - High Yield Savings Account

Top APY: 4.34%

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

Effective APY: 4.34% (based on your deposit and contributions)

Total balance: $20,655.5

Earnings: $2,655.5

Bank Overview

With 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 OneElevault
Product360 Performance SavingsvsHigh Yield Savings Account
APY
3.40% (as of 10/21/2025)4.34% (as of 10/21/2025)
Bundled Account
NoNo
FDIC-insured
YesYes
Online OnlyNoYes
Compound Frequency
MonthlyDaily
Minimum Deposit$0$0
Minimum Balance for APY$0$0
Maintenance Fee$0$0
Direct Deposit Required
NoNo
NoteThe 4.34% APY is up to $250,000. Balances above that earn no interest. Daily deposit limit is $2,500.
App Store Rating4.9/53.8/5
Google Play Rating4.5/53.9/5
BBB RatingA+A+

Comparative Historical APY Insights (Last 2 Months)

Capital OneElevault
Product360 Performance SavingsvsHigh Yield Savings Account
Latest APY3.40 %4.34 %
TrendSidewaysFalling
Slope (bps/mo)-4.7-14.7
Rate Changes / Mo0.390.39
Days Since Last Change2029
High (-2 m)3.50 %4.60 %
Low (-2 m)3.40 %4.34 %
Draw-down from High-2.9 %-5.7 %
Volatility (CV)0.0130.028
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.

More Comparisons

Compare Capital One's APY of 3.40% with other banks
Compare Elevault's APY of 4.34% with other banks