Elevault vs. Pnc
High-Yield Savings Account Comparison
By Aviel Fahl|Last Updated: November 14, 2025
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Summary of Elevault vs. PNC
Key Metrics at a Glance
| Feature | Elevault | PNC |
|---|---|---|
| Top Savings APY | 4.08% High Yield Savings Account | 3.53% PNC High Yield Savings |
| Minimum to Open | $0 | $0 |
| Minimum Balance for Top APY | $0 | $0 |
| Note | The 4.08% APY is up to $250,000. Balances above that earn no interest. Daily deposit limit is $2,500. | Eligibility restricted. |
Elevault
Strengths
- Elevault offers a higher APY of 4.08% compared to PNC's 3.53%.
- No maintenance fees for Elevault's High Yield Savings Account.
- Elevault has no minimum balance requirement.
Potential Drawbacks
- Elevault's APY decreased from 4.34% in the last 30 days.
- Elevault has a lower App Store rating of 3.7 compared to PNC's 4.9.
- Elevault is online-only, limiting access to banking services.
PNC
Strengths
- PNC's High Yield Savings Account is not exclusively online, offering more access options.
- PNC has a higher Google Play rating of 4.6 compared to Elevault's 4.0.
- No direct deposit requirement for PNC's High Yield Savings Account.
Potential Drawbacks
- PNC's APY decreased from 3.85% in the last 30 days.
- PNC's High Yield Savings account has eligibility restrictions.
- PNC's Standard Savings APY is significantly lower at 0.03%.
→ As of November 14, 2025 Elevault offers an APY of 4.08% for its High Yield Savings Account, with a minimum balance of $0, compared to PNC's 3.53% APY for its PNC High Yield Savings account, with a minimum balance of $0.
→ Elevault yields $55 more than PNC on a $10,000 balance after one year. Elevault pays $408, while PNC pays $353 - an APY advantage for Elevault.
→ In addition, PNC also offers 0.03% APY for the Standard Savings account.
Calculate Savings Growth for Elevault vs PNC
Elevault - High Yield Savings Account
Total savings breakdown:
- Interest earned: $2,486.4 (12.14%)
- Total contributions: $13,000 (63.46%)
- Initial deposit: $5,000 (24.41%)
Your total balance
$20,486.40
Total balance: $20,486.4
Earnings: $2,486.4
Bank OverviewPNC - PNC High Yield Savings
Total savings breakdown:
- Interest earned: $2,133.2 (10.60%)
- Total contributions: $13,000 (64.57%)
- Initial deposit: $5,000 (24.83%)
Your total balance
$20,133.20
Total balance: $20,133.2
Earnings: $2,133.2
Bank OverviewWith a $5,000 initial deposit and $13,000 in total contributions over 5 years, Elevault's total earnings would be $353.2 higher than PNC's total earnings.
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
Compare Elevault's vs PNC's Savings Accounts
| Elevault | PNC | |||
|---|---|---|---|---|
| Product | High Yield Savings Account | vs | Standard Savings | PNC High Yield Savings |
| APY | 4.08% (as of 11/14/2025) | 0.03% (as of 11/14/2025) | 3.53% (as of 11/14/2025) | |
| Bundled Account | No | No | No | |
| FDIC-insured | Yes | Yes | Yes | |
| Online Only | Yes | No | No | |
| Compound Frequency | Daily | Monthly | Monthly | |
| Minimum Deposit | $0 | $0 | $0 | |
| Minimum Balance for APY | $0 | $1 | $0 | |
| Maintenance Fee | $0 | $0 / $5 (see bank for details) | $0 | |
| Direct Deposit Required | No | No | No | |
| Eligibility | United States | United States | AK, AR, CT, HI, ID, IA, LA, ME, MN, MS, MT, NE, NV, NH, ND, OK, OR, RI, SD, UT, VT, WA, WY | |
| Note | The 4.08% APY is up to $250,000. Balances above that earn no interest. Daily deposit limit is $2,500. | APY may improve with a linked PNC account. Terms and conditions apply. | Eligibility restricted. | |
| App Store Rating | 3.7/5 | 4.9/5 | ||
| Google Play Rating | 4.0/5 | 4.6/5 | ||
| BBB Rating | A+ | A+ | ||
Comparative Historical APY Insights (Last 3 Months)
| Elevault | PNC | |||
|---|---|---|---|---|
| Product | High Yield Savings Account | vs | PNC High Yield Savings | Standard Savings |
| Latest APY | 4.08 % | 3.53 % | 0.03 % | |
| Trend | Falling | Falling | Sideways | |
| Slope (bps/mo) | -16.1 | -7.9 | 0.0 | |
| Rate Changes / Mo | 0.59 | 0.89 | 0.00 | |
| Days Since Last Change | 10 | 1 | 100 | |
| High (-3 m) | 4.60 % | 3.95 % | 0.03 % | |
| Low (-3 m) | 4.08 % | 3.53 % | 0.03 % | |
| Draw-down from High | -11.3 % | -10.6 % | 0.0 % | |
| Volatility (CV) | 0.041 | 0.025 | 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 101 days.
- Low (-3 m)
- Lowest APY in the last 101 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.