Elevault vs. FNBO Direct
Compare rates, requirements, and features side-by-side to find the best option for you.
Elevault
High Yield Savings Account
4.08%APYDec 6, 2025FDIC InsuredNo MinimumsShow Fine Print & Trends Hide Details
Elevault
High Yield Savings Account
FNBO Direct
High-Yield Online Savings Account
3.00%APYDec 6, 2025FDIC InsuredLow MinimumsGreat iOS AppGreat Android AppShow Fine Print & Trends Hide Details
FNBO Direct
High-Yield Online 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 Elevault vs. FNBO Direct
Why Elevault?
- ✓Higher potential APY (4.08% vs 3.00%) on all balances
Why FNBO Direct?
- ✓Higher rated iOS app (4.5 vs 3.7)
- ✓Higher rated Android app (4.8 vs 3.9)
— Key Feature Differences —
Better Returns at $10,000
ElevaultElevault's High Yield Savings Account earns more on smaller deposits (approx. $408 vs $300/yr).
Better Returns at $25,000
ElevaultElevault's High Yield Savings Account pulls ahead with larger amounts (approx. $1020 vs $750/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
FNBO DirectFNBO Direct offers an iOS app rated 4.5 (vs. 3.7) and Android app rated 4.8 (vs. 3.9)
Shared Benefits
Over a 1-year period, Elevault's High Yield Savings Account pays $108 more interest on a $10,000 balance than FNBO Direct's High-Yield Online Savings Account.
Executive Summary
Elevault offers a High Yield Savings Account with an attractive 4.08% APY, making it a strong choice for savers looking to maximize their returns without any direct deposit requirements or maintenance fees. This account allows deposits up to $250,000, with a daily deposit limit of $2,500. In comparison, FNBO Direct's High-Yield Online Savings Account provides a lower APY of 3.00%, though it has a solid mobile app experience. Both accounts are online-only, with no minimum balance requirements, but Elevault stands out with its higher yield.
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 Elevault and FNBO Direct.
| Feature | Elevault | FNBO Direct |
|---|---|---|
| APY | 4.08% Verified: 12/6/2025 ↘︎ 0.52%90d Change | 3.00% Verified: 12/6/2025 ↘︎ 0.25%90d Change |
| Product Name | High Yield Savings Account | High-Yield Online Savings Account |
| Minimum Deposit | $0 | $1 |
| Min. Balance for APY | $0 | $0.01 |
| Monthly Fee | $0 | $0 |
| Branch Access | None | None |
| Account Type | Online Only | Online Only |
| Direct Deposit Req. | None | None |
| Checking Bundle | No | No |
| Mobile Apps | iOS3.7 Android3.9 | iOS4.5 Android4.8 |
| 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 $688.2 more than FNBO Direct.
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
FNBO Direct
High-Yield Online Savings Account
Savings Breakdown
- Interest Earned+$1,798.20(9.1%)
- Total Contributions$13,000
- Initial Deposit$5,000
Projected Balance
$19,798.20
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
📈 Compare Savings Rates Over Time
Historical Performance
| Metric | Elevault | FNBO Direct |
|---|---|---|
| High Yield Savings Account | High-Yield Online Savings Account | |
Current APY | 4.08% | 3.00% |
Trend | Stable | Stable |
Velocity (bps/mo) | -16.6 | -9.0 |
Days Since Change | 32 | 64 |
4-Month High | 4.60% | 3.25% |
4-Month Low | 4.08% | 3.00% |
Adjustments / Mo | 0.49 | 0.25 |
Volatility Score | 0.048 | 0.039 |
How to read these metrics(Click to expand)
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