Elevault vs. Jenius Bank
Compare rates, requirements, and features side-by-side to find the best option for you.
| Metric | ElevaultHigh Yield Savings Account Jan 7, 2026 | Jenius BankJenius Savings Jan 7, 2026 |
|---|---|---|
| APY | 3.82% | 4.05% |
Est. Earnings | $5,000+$191 $10,000+$382 $25,000+$955 | $5,000+$203 $10,000+$405 $25,000+$1,013 |
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 Minimums | 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 4.21% APY.
Comparison Analysis
Comparing Elevault vs. Jenius Bank
As of Elevault offers an APY of 3.82% for its High Yield Savings Account, with a minimum balance of $0, compared to Jenius Bank's 4.05% APY for its Jenius Savings account, with a minimum balance of $0.
Jenius Bank pays $23 more than Elevault on a $10,000 balance after one year. Elevault pays $382, while Jenius Bank pays $405 - an APY advantage for Jenius Bank.
Why Elevault?
No distinct advantages found vs Jenius Bank.
Why Jenius Bank?
- ✓Higher potential APY (4.05% vs 3.82%) on all balances
- ✓No checking account or direct deposit required
— Key Feature Differences —
Better Returns at $10,000
Jenius BankJenius Bank's Jenius Savings earns more on smaller deposits (approx. $405 vs $382/yr).
Better Returns at $25,000
Jenius BankJenius Bank's Jenius Savings pulls ahead with larger amounts (approx. $1013 vs $955/yr).
Best for Simplicity
Jenius BankJenius Bank's Jenius Savings offers 4.05% APY with no bundling, direct deposit requirement or caps.
Shared Benefits
Over a 1-year period, Jenius Bank's Jenius Savings pays $23 more interest on a $10,000 balance than Elevault's High Yield Savings Account.
*This calculation assumes current rates remain consistent for 1 year and does not include temporary bonuses.
Executive Summary as of
Jenius Bank offers a competitive Jenius Savings account with an APY of 4.05%, making it the higher-yield option compared to Elevault's High Yield Savings Account, which provides an APY of 3.82%. Both accounts have no minimum deposit or maintenance fees and are online-only. Jenius Bank's account is noted for its simplicity, as it does not require bundling or direct deposit, and has no caps on interest earnings. In contrast, Elevault's account has an interest cap at $250,000, with a daily deposit limit of $2,500. Overall, Jenius Bank is the winner based solely on the provided APY data.
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
Non-sponsored link to official site
Top Market Contenders
Elevault vs. Jenius Bank Savings Calculator
You earn $23 more with Jenius Bank than Elevault 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.
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
Jenius Bank
Jenius Savings
Savings Breakdown
- Interest Earned+$405.00(3.9%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,405.00
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
| Feature | Elevault | Jenius Bank |
|---|---|---|
| APY | 3.82% Verified: 1/7/2026 ↘︎ 0.52%90d Change | 4.05% Verified: 1/7/2026 ↘︎ 0.15%90d Change |
| Product Name | High Yield Savings Account | Jenius Savings |
| Minimum Deposit | $0 | $0 |
| Min. Balance for APY | $0 | $0 |
| 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 | iOS4.0 Android3.6 |
| Zelle® Support | Not Supported | 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 Elevault Non-sponsored link to official site | Visit SiteVerify at Jenius Bank Non-sponsored link to official site |
📈 Compare Savings Rates Over Time
Historical Performance
| Metric | Elevault | Jenius Bank |
|---|---|---|
| High Yield Savings Account | Jenius Savings | |
Current APY | 3.82% | 4.05% |
Trend | Stable | Stable |
Velocity (bps/mo) | -17.6 | -4.0 |
Days Since Change | 22 | 50 |
5-Month High | 4.60% | 4.20% |
5-Month Low | 3.82% | 4.05% |
Adjustments / Mo | 0.58 | 0.19 |
Volatility Score | 0.064 | 0.018 |
How to read these metrics(Click to expand)
Compare Similar High-Yield Accounts
Compare Elevault vs...
Comparing against Standard Savings
Compare Jenius Bank vs...
Comparing against Standard Savings
High Rates (With Checking Bundle)
Looking for something different? Check out these top-rated alternatives.