Elevault vs. Pibank
High-Yield Savings Account Comparison
By Aviel Fahl|Last Updated: October 21, 2025
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Summary of Elevault vs. Pibank
Key Metrics at a Glance
| Feature | Elevault | Pibank |
|---|---|---|
| Top Savings APY | 4.34% High Yield Savings Account | 4.60% Pibank Savings |
| Minimum to Open | $0 | $0 |
| Minimum Balance for Top APY | $0 | $0.01 |
| Note | The 4.34% APY is up to $250,000. Balances above that earn no interest. Daily deposit limit is $2,500. |
Elevault
Strengths
- Elevault offers a competitive APY of 4.34%, though it's lower than 30 days ago.
- Elevault has no maintenance fees and no minimum deposit requirements.
- Elevault's BBB rating is A+, indicating strong trustworthiness.
Potential Drawbacks
- Elevault's APY decreased from 4.60% over the past month.
- Elevault has no physical branches for in-person banking.
- Elevault's App Store rating is 3.8, which is moderate.
Pibank
Strengths
- Pibank offers a higher APY of 4.60%, stable over the past month.
- Pibank has no maintenance fees and requires only a $0.01 minimum balance.
- Pibank has no direct deposit requirement for its savings account.
Potential Drawbacks
- Pibank's App Store rating is low at 2.4, indicating user dissatisfaction.
- Pibank's Google Play rating is very low at 1.7.
- Pibank's BBB rating is A, which is lower than Elevault's.
Summary: Elevault's high-yield savings account offers a 4.34% APY, down from 4.60%, with an A+ BBB rating. Pibank provides a higher, stable APY of 4.60% but has lower ratings on both app stores and a lesser BBB rating of A. Both banks have no maintenance fees and no direct deposit requirements, but Elevault has a slight edge in trustworthiness.
→ As of October 21, 2025 Elevault offers an APY of 4.34% for its High Yield Savings Account, with a minimum balance of $0, compared to Pibank's 4.60% APY for its Pibank Savings account, with a minimum balance of $0.01.
→ Pibank yields $26 more than Elevault on a $10,000 balance after one year. Elevault pays $434, while Pibank pays $460 - an APY advantage for Pibank.
Calculate Savings Growth for Elevault vs Pibank
All calculations are based on APY.
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 OverviewPibank - Pibank Savings
Top APY: 4.60%
Total savings breakdown:
- Interest earned: $2,825.8 (13.57%)
- Total contributions: $13,000 (62.42%)
- Initial deposit: $5,000 (24.01%)
Your total balance
$20,825.80
Effective APY: 4.60% (based on your deposit and contributions)
Total balance: $20,825.8
Earnings: $2,825.8
Bank OverviewWith a $5,000 initial deposit and $13,000 in total contributions over 5 years, Elevault's total earnings would be $170.3 lower than Pibank's total earnings.
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
Compare Elevault's vs Pibank's Savings Accounts
| Elevault | Pibank | ||
|---|---|---|---|
| Product | High Yield Savings Account | vs | Pibank Savings |
| APY | 4.34% (as of 10/21/2025) | 4.60% (as of 10/21/2025) | |
| Bundled Account | No | No | |
| FDIC-insured | Yes | Yes | |
| Online Only | Yes | Yes | |
| Compound Frequency | Daily | Daily | |
| Minimum Deposit | $0 | $0 | |
| Minimum Balance for APY | $0 | $0.01 | |
| Maintenance Fee | $0 | $0 | |
| Direct Deposit Required | No | No | |
| Note | The 4.34% APY is up to $250,000. Balances above that earn no interest. Daily deposit limit is $2,500. | ||
| App Store Rating | 3.8/5 | 2.4/5 | |
| Google Play Rating | 3.9/5 | 1.7/5 | |
| BBB Rating | A+ | A |
Comparative Historical APY Insights (Last 3 Months)
| Elevault | Pibank | ||
|---|---|---|---|
| Product | High Yield Savings Account | vs | Pibank Savings |
| Latest APY | 4.34 % | 4.60 % | |
| Trend | Falling | Sideways | |
| Slope (bps/mo) | -14.4 | 0.0 | |
| Rate Changes / Mo | 0.39 | 0.00 | |
| Days Since Last Change | 29 | 76 | |
| High (-3 m) | 4.60 % | 4.60 % | |
| Low (-3 m) | 4.34 % | 4.60 % | |
| Draw-down from High | -5.7 % | 0.0 % | |
| Volatility (CV) | 0.028 | 0.000 |
APY Insights Glossary
- Latest APY
- Most recent advertised annual-percentage yield.
- Trend
- Direction over the last 3 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 (-3 m)
- Highest APY in the last 77 days.
- Low (-3 m)
- Lowest APY in the last 77 days.
- Draw-down from High
- How far today sits below the 3-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 Elevault's APY of 4.34% with other banks
Compare Pibank's APY of 4.60% with other banks
| Bank Pair | Competitor APY | Min Deposit |
|---|---|---|
| Pibank vs Ally Bank | 3.40% | $0 |
| Pibank vs American Express | 3.50% | $0 |
| Pibank vs Axos Bank | 4.51% | $0 |
| Pibank vs Bank of America | 0.01% | $100 |
| Pibank vs Barclays | 4.10% | $0 |
| Pibank vs Bask Bank | 4.05% | $0 |
| Pibank vs BrioDirect | 4.20% | $5,000 |
| Pibank vs Capital One | 3.40% | $0 |
| Pibank vs Chase Bank | 0.01% | $0 |
| Pibank vs Chime | 3.50% | $0 |
| Pibank vs CIT Bank | 3.85% | $100 |
| Pibank vs Citizens Access™ | 3.50% | $0.01 |
| Pibank vs Discover Bank | 3.40% | $0 |
| Pibank vs EverBank | 4.05% | $0 |
| Pibank vs Fitness Bank | 4.75% | $100 |
| Pibank vs FNBO Direct | 3.00% | $1 |
| Pibank vs FVCbank | 4.10% | $500 |
| Pibank vs GO2bank | 4.50% | $0 |
| Pibank vs LendingClub | 4.20% | $0 |
| Pibank vs Marcus by Goldman Sachs | 3.65% | $0 |
| Pibank vs Neighbors Bank | 4.50% | $0 |
| Pibank vs Newtek Bank | 4.35% | $0 |
| Pibank vs Peak Bank | 4.20% | $100 |
| Pibank vs Presidential Bank | 4.50% | $5,000 |
| Pibank vs Santander Bank | 0.01% | $25 |
| Pibank vs SoFi Bank | 4.50% | $0 |
| Pibank vs Synchrony Bank | 3.80% | $0 |
| Pibank vs TIMBR | 4.40% | $1,000 |
| Pibank vs UFB Direct | 3.96% | $5000 |
| Pibank vs Valley Direct | 4.10% | $1,000 |
| Pibank vs Varo Bank | 5.00% | $0 |
| Pibank vs Wells Fargo | 0.05% | $25 |
| Pibank vs Zynlo Bank | 4.20% | $10 |