Elevault vs. LendingClub
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
LendingClub
LevelUp Savings
Up to4.20%APYDec 6, 2025FDIC InsuredNo MinimumsGreat iOS AppGreat Android AppRange: 3.20% – 4.20%Show Fine Print & Trends Hide Details
LendingClub
LevelUp Savings
Prefer In-Person Banking?
Both of these banks are online-only. If you need physical branch access, check out our list of high-yield accounts with brick-and-mortar locations.
Comparison Analysis
Comparing Elevault vs. LendingClub
Why Elevault?
- ✓No checking account or direct deposit required
Why LendingClub?
- ✓Higher potential APY (4.20% vs 4.08%) on all balances
- ✓Higher rated iOS app (4.8 vs 3.7)
- ✓Higher rated Android app (4.7 vs 3.9)
— Key Feature Differences —
Better Returns at $10,000
LendingClubLendingClub's LevelUp Savings earns more on smaller deposits (approx. $420 vs $408/yr).
Better Returns at $25,000
LendingClubLendingClub's LevelUp Savings pulls ahead with larger amounts (approx. $1050 vs $1020/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
LendingClubLendingClub offers an iOS app rated 4.8 (vs. 3.7) and Android app rated 4.7 (vs. 3.9)
Shared Benefits
Over a 1-year period, LendingClub's LevelUp Savings pays $12 more interest on a $10,000 balance than Elevault's High Yield Savings Account.
Executive Summary
LendingClub's LevelUp Savings account offers a competitive APY of 4.20%, surpassing Elevault's High Yield Savings Account, which provides an APY of 4.08%. Both accounts require no minimum deposit, maintenance fees, or direct deposit, making them accessible options. However, LendingClub's higher rate is contingent upon depositing at least $250 each month, while Elevault's rate is available on balances up to $250,000 without any additional conditions. Both accounts are online-only and provide daily compounding interest, appealing to savers looking for straightforward savings solutions.
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 LendingClub.
| Feature | Elevault | LendingClub |
|---|---|---|
| APY | 4.08% Verified: 12/6/2025 ↘︎ 0.52%90d Change | 4.20% Range: 3.20% - 4.20% Verified: 12/6/2025 Stable (90d) |
| Product Name | High Yield Savings Account | LevelUp 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 | iOS4.8 Android4.7 |
| 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. | The advertised "LevelUp Rate" APY of 4.20% is only available if you deposit $250+ into the account each month. Otherwise the "Standard Rate" of 3.20% applies. |
| Next Steps |
Savings Comparison
LendingClub earns $77.9 more than Elevault.
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
LendingClub
LevelUp Savings
Savings Breakdown
- Interest Earned+$2,564.30(12.5%)
- Total Contributions$13,000
- Initial Deposit$5,000
Projected Balance
$20,564.30
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 | LendingClub |
|---|---|---|
| High Yield Savings Account | LevelUp Savings | |
Current APY | 4.08% | 4.20% |
Trend | Stable | Stable |
Velocity (bps/mo) | -16.6 | -0.0 |
Days Since Change | 32 | 121 |
4-Month High | 4.60% | 4.20% |
4-Month Low | 4.08% | 4.20% |
Adjustments / Mo | 0.49 | 0.00 |
Volatility Score | 0.048 | 0.000 |
How to read these metrics(Click to expand)
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