Elevault vs. TD Bank
Compare rates, requirements, and features side-by-side to find the best option for you.
Elevault
High Yield Savings Account
4.08%APYDec 10, 2025FDIC InsuredNo MinimumsShow Fine Print & Trends Hide Details
Elevault
High Yield Savings Account
TD Bank
TD Signature Savings
Up to2.75%APYDec 10, 2025FDIC InsuredHigh MinimumChecking BundleGreat iOS AppGreat Android AppIn-Person AccessRange: 0.05% – 2.75%Show Fine Print & Trends Hide Details
TD Bank
TD Signature Savings
Market Reality Check
Both of these banks offer rates below the current top tier. The best rates we track are currently above 4.25% APY.
Elevault vs. TD Bank Savings Calculator
Elevault earns $2,457.8 more than TD Bank.
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
TD Bank
TD Signature Savings
Higher APY requires $100,000
Savings Breakdown
- Interest Earned+$28.60(0.2%)
- Total Contributions$13,000
- Initial Deposit$5,000
Projected Balance
$18,028.60
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
Comparison Analysis
Comparing Elevault vs. TD Bank
Why Elevault?
- ✓Higher potential APY (4.08% vs 2.75%) on all balances
- ✓No checking account or direct deposit required
Why TD Bank?
- ✓Physical branch access (Multiple branches in CT, DE, FL, ME, MD, MA, NH, NJ, NY, NC, PA, RI, SC, VT, VA, DC)
- ✓Higher rated iOS app (4.8 vs 3.7)
— Key Feature Differences —
Better Returns at $10,000
ElevaultElevault's High Yield Savings Account earns more on smaller deposits (approx. $408 vs $0/yr).
Better Returns at $25,000
ElevaultElevault's High Yield Savings Account pulls ahead with larger amounts (approx. $1020 vs $0/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
TD BankTD Bank offers an iOS app rated 4.8 (vs. 3.7) and Android app rated 4.0 (vs. 3.9)
Shared Benefits
Over a 1-year period, Elevault's High Yield Savings Account pays $403 more interest on a $10,000 balance than TD Bank's TD Signature Savings.
*This calculation assumes current rates remain consistent for 1 year and does not include temporary bonuses.
Executive Summary
Elevault offers a High Yield Savings Account with a competitive APY of 4.08%, which is significantly higher than TD Bank's TD Signature Savings account that provides a maximum APY of 2.75% under specific conditions, including a minimum balance of $100,000. Elevault's account has no direct deposit requirement, maintenance fees, or balance caps, making it straightforward for users. In contrast, TD Bank's account has a tiered structure where lower balances earn just 0.05%. Overall, Elevault stands out as the better option for savers looking for higher returns without complex requirements.
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 TD Bank.
| Feature | Elevault | TD Bank |
|---|---|---|
| APY | 4.08% Verified: 12/10/2025 ↘︎ 0.52%90d Change | 2.75% Range: 0.05% - 2.75% Verified: 12/10/2025 ↘︎ 0.25%90d Change |
| Product Name | High Yield Savings Account | TD Signature Savings |
| Minimum Deposit | $0 | $0 |
| Min. Balance for APY | $0 | $100,000 |
| Monthly Fee | $0 | $10. Waived under some circumstances. |
| Branch Access | None | Yes |
| Account Type | Online Only | Online & Branches |
| Direct Deposit Req. | None | None |
| Checking Bundle | No | Yes |
| Mobile Apps | iOS3.7 Android3.9 | iOS4.8 Android4.0 |
| BBB Rating | A+ | Not Rated |
| Important Notes | The 4.08% APY is up to $250,000. Balances above that earn no interest. Daily deposit limit is $2,500. | This is a tiered savings account where rates may vary on location and whether you're eligible for the Bump Rate. 2.75% is available when you link an eligible TD account and have a minimum balance of $100,000. Otherwise 0.05% is the maximum APY. |
| Next Steps |
📈 Compare Savings Rates Over Time
Historical Performance
| Metric | Elevault | TD Bank |
|---|---|---|
| High Yield Savings Account | TD Signature Savings | |
Current APY | 4.08% | 2.75% |
Trend | Stable | Stable |
Velocity (bps/mo) | -16.2 | -8.6 |
Days Since Change | 36 | 68 |
4-Month High | 4.60% | 3.00% |
4-Month Low | 4.08% | 2.75% |
Adjustments / Mo | 0.47 | 0.24 |
Volatility Score | 0.049 | 0.043 |
How to read these metrics(Click to expand)
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