Elevault vs. Quontic Bank
Compare rates, requirements, and features side-by-side to find the best option for you.
| Metric | ElevaultHigh Yield Savings Account Jan 7, 2026 | Quontic BankHigh Yield Savings Jan 7, 2026 |
|---|---|---|
| APY | 3.82% | 3.50% |
Est. Earnings | $5,000+$191 $10,000+$382 $25,000+$955 | $5,000+$175 $10,000+$350 $25,000+$875 |
Min Deposit | $0 | $100 |
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 InsuredLow MinimumsGreat iOS AppGreat Android AppZelle® 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.
Comparison Analysis
Comparing Elevault vs. Quontic Bank
As of Elevault offers an APY of 3.82% for its High Yield Savings Account, with a minimum balance of $0, compared to Quontic Bank's 3.50% APY for its High Yield Savings account, with a minimum balance of $0.
Elevault pays $32 more than Quontic Bank on a $10,000 balance after one year. Elevault pays $382, while Quontic Bank pays $350 - an APY advantage for Elevault.
Why Elevault?
- ✓Higher potential APY (3.82% vs 3.50%) on all balances
Why Quontic Bank?
- ✓No checking account or direct deposit required
- ✓Higher rated iOS app (4.8 vs 3.7)
- ✓Higher rated Android app (4.9 vs 3.9)
- ✓Fast transfers via Zelle® (up to $1,000 a day)
— Key Feature Differences —
Better Returns at $10,000
ElevaultElevault's High Yield Savings Account earns more on smaller deposits (approx. $382 vs $350/yr).
Better Returns at $25,000
ElevaultElevault's High Yield Savings Account pulls ahead with larger amounts (approx. $955 vs $875/yr).
Best for Simplicity
Quontic BankQuontic Bank's High Yield Savings offers 3.50% APY with no bundling, direct deposit requirement or caps.
Best Mobile App Experience
Quontic BankQuontic Bank offers an iOS app rated 4.8 (vs. 3.7) and Android app rated 4.9 (vs. 3.9)
Shared Benefits
Over a 1-year period, Elevault's High Yield Savings Account pays $32 more interest on a $10,000 balance than Quontic Bank's 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 a competitive APY of 3.82%, which is notably higher than Quontic Bank's High Yield Savings at 3.50%. Elevault's account allows deposits up to $250,000 at the higher rate, with no maintenance fees or minimum balance requirements, and is online-only. In contrast, Quontic Bank requires a minimum deposit of $100 but also has no direct deposit requirement and is online-only. Both banks provide daily compounding, making them attractive options for savers, but Elevault stands out with its superior APY.
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. Quontic Bank Savings Calculator
You earn $32 more with Elevault than Quontic Bank 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
Quontic Bank
High Yield Savings
Savings Breakdown
- Interest Earned+$350.00(3.4%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,350.00
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
| Feature | Elevault | Quontic Bank |
|---|---|---|
| APY | 3.82% Verified: 1/7/2026 ↘︎ 0.52%90d Change | 3.50% Verified: 1/7/2026 ↘︎ 0.25%90d Change |
| Product Name | High Yield Savings Account | High Yield Savings |
| Minimum Deposit | $0 | $100 |
| 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 Android4.9 |
| Zelle® Support | Not Supported | Available Limit: $1,000/dayDigital-first bank with full native support. |
| 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 SiteGo to Quontic Bank * Secure link to our partner |
📈 Compare Savings Rates Over Time
Historical Performance
| Metric | Elevault | Quontic Bank |
|---|---|---|
| High Yield Savings Account | High Yield Savings | |
Current APY | 3.82% | 3.50% |
Trend | Stable | Stable |
Velocity (bps/mo) | -17.7 | -1.8 |
Days Since Change | 22 | 8 |
5-Month High | 4.60% | 3.75% |
5-Month Low | 3.82% | 3.50% |
Adjustments / Mo | 0.58 | 0.19 |
Volatility Score | 0.064 | 0.017 |
How to read these metrics(Click to expand)
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