Elevault vs. PNC
Compare rates, requirements, and features side-by-side to find the best option for you.
| Metric | ElevaultHigh Yield Savings Account Jan 7, 2026 | PNCPNC High Yield Savings Jan 7, 2026 |
|---|---|---|
| APY | 3.82% | 3.30% |
Est. Earnings | $5,000+$191 $10,000+$382 $25,000+$955 | $5,000+$165 $10,000+$330 $25,000+$825 |
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. | Eligibility restricted to select states. |
| Features | FDIC InsuredNo Minimums | FDIC InsuredNo MinimumsGreat iOS AppGreat Android AppIn-Person AccessZelle® Supported |
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.
As of Elevault offers an APY of 3.82% for its High Yield Savings Account, with a minimum balance of $0, compared to PNC's 3.30% APY for its PNC High Yield Savings account, with a minimum balance of $0.
Elevault pays $52 more than PNC on a $10,000 balance after one year. Elevault pays $382, while PNC pays $330 - an APY advantage for Elevault.
In addition, PNC also offers 0.03% APY for the Standard Savings account, with a minimum balance of $1.
Why Elevault?
- ✓Higher potential APY (3.82% vs 3.30%) on all balances
- ✓Available Nationwide
Why PNC?
- ✓No checking account or direct deposit required
- ✓Physical branch access (Multiple branches in AL, AZ, CA, CO, DE, DC, FL, GA, IL, IN, KS, KY, MD, MA, MI, MO, NJ, NM, NY, NC, OH, PA, SC, TN, TX, VA, WV, WI)
- ✓Higher rated iOS app (4.9 vs 3.7)
- ✓Higher rated Android app (4.6 vs 3.9)
- ✓Fast transfers via Zelle® (up to $2,000 a day)
— Key Feature Differences —
Better Returns at $10,000
ElevaultElevault's High Yield Savings Account earns more on smaller deposits (approx. $382 vs $330/yr).
Better Returns at $25,000
ElevaultElevault's High Yield Savings Account pulls ahead with larger amounts (approx. $955 vs $825/yr).
Best for Simplicity
PNCPNC's PNC High Yield Savings offers 3.30% APY with no bundling, direct deposit requirement or caps.
Best Mobile App Experience
PNCPNC offers an iOS app rated 4.9 (vs. 3.7) and Android app rated 4.6 (vs. 3.9)
Shared Benefits
Over a 1-year period, Elevault's High Yield Savings Account pays $52 more interest on a $10,000 balance than PNC's PNC High Yield Savings.
*This calculation assumes current rates remain consistent for 1 year and does not include temporary bonuses.
Executive Summary as of
Elevault offers a High Yield Savings Account with an attractive 3.82% APY, applicable to balances up to $250,000, making it a strong choice for savers looking to maximize their returns. In contrast, PNC's highest yielding product, the PNC High Yield Savings, provides a lower APY of 3.30%, with eligibility restricted to select states. Both banks feature accounts with no maintenance fees and no minimum deposit requirements, but Elevault's account is online-only, while PNC also offers physical branch access. For those seeking simplicity, PNC's account is a viable alternative, albeit with a significantly lower yield.
The analysis is based on current Banksparency database records
* This content is provided for informational purposes only; always verify details with the provider.
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Elevault vs. PNC Savings Calculator
You earn $52 more with Elevault than PNC 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
PNC
PNC High Yield Savings
Savings Breakdown
- Interest Earned+$330.00(3.2%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,330.00
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
| Feature | Elevault | PNC |
|---|---|---|
| APY | 3.82% Verified: 1/7/2026 ↘︎ 0.52%90d Change | 3.30% Verified: 1/7/2026 ↘︎ 0.55%90d Change |
| Product Name | High Yield Savings Account | PNC High Yield Savings |
| Minimum Deposit | $0 | $0 |
| Min. Balance for APY | $0 | $0 |
| Monthly Fee | $0 | $0 |
| Branch Access | None | Yes |
| Account Type | Online Only | Online & Branches |
| Direct Deposit Req. | None | None |
| Checking Bundle | No | No |
| Mobile Apps | iOS3.7 Android3.9 | iOS4.9 Android4.6 |
| Zelle® Support | Not Supported | Available Limit: $2,000/dayCentral to Virtual Wallet suite. |
| 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. | Eligibility restricted to select states. |
| Next Steps | Visit SiteVerify at Elevault Non-sponsored link to official site | Visit SiteVerify at PNC Non-sponsored link to official site |
📈 Compare Savings Rates Over Time
Historical Performance
| Metric | Elevault | PNC | |
|---|---|---|---|
| High Yield Savings Account | PNC High Yield Savings | Standard Savings | |
Current APY | 3.82% | 3.30% | 0.03% |
Trend | Stable | Stable | Stable |
Velocity (bps/mo) | -17.6 | -14.9 | 0.0 |
Days Since Change | 22 | 21 | 154 |
5-Month High | 4.60% | 3.95% | 0.03% |
5-Month Low | 3.82% | 3.30% | 0.03% |
Adjustments / Mo | 0.58 | 0.77 | 0.00 |
Volatility Score | 0.064 | 0.064 | 0.000 |
How to read these metrics(Click to expand)
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High Rates (With Checking Bundle)
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