Elevault vs. UFB Direct
Compare rates, requirements, and features side-by-side to find the best option for you.
Elevault
High Yield Savings Account
4.08%APYDec 6, 2025FDIC InsuredNo MinimumsShow Fine Print & Trends Hide Details
Elevault
High Yield Savings Account
UFB Direct
UFB Checking and Savings Bundle
Up to3.71%APYDec 6, 2025FDIC InsuredHigh MinimumDirect Deposit ReqChecking BundleGreat iOS AppGreat Android AppRange: 3.51% – 3.71%Show Fine Print & Trends Hide Details
UFB Direct
UFB Checking and Savings Bundle
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.
Comparison Analysis
Comparing Elevault vs. UFB Direct
Why Elevault?
- ✓Higher potential APY (4.08% vs 3.51%-3.71%) on all balances
Why UFB Direct?
- ✓Offers 2.00% APY on Checking Account in addition to the savings APY
- ✓Access to over 90,000 fee-free ATMs
- ✓Higher rated iOS app (4.8 vs 3.7)
- ✓Higher rated Android app (4.3 vs 3.9)
- ✓Offers 2 different high-yield savings options
— Key Feature Differences —
Better Returns at $10,000
ElevaultElevault's High Yield Savings Account earns more on smaller deposits (approx. $408 vs $371/yr).
Better Returns at $25,000
ElevaultElevault's High Yield Savings Account pulls ahead with larger amounts (approx. $1020 vs $928/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
UFB DirectUFB Direct offers an iOS app rated 4.8 (vs. 3.7) and Android app rated 4.3 (vs. 3.9)
Shared Benefits
Over a 1-year period, Elevault's High Yield Savings Account pays $37 more interest on a $10,000 balance than UFB Direct's UFB Checking and Savings Bundle.
Executive Summary
Elevault offers a High Yield Savings Account with a competitive APY of 4.08%, which is significantly higher than UFB Direct's UFB Portfolio Savings account at 3.51%. Elevault's account has no minimum deposit, no maintenance fees, and does not require direct deposits, making it a straightforward option for savers. In contrast, UFB Direct's higher-yielding product requires a checking account and certain conditions to achieve its maximum APY, which may complicate access for some customers. Both banks provide online-only services, but Elevault stands out as the better choice for higher returns.
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 UFB Direct.
| Feature | Elevault | UFB Direct |
|---|---|---|
| APY | 4.08% Verified: 12/6/2025 ↘︎ 0.52%90d Change | 3.71% Range: 3.51% - 3.71% Verified: 12/6/2025 ↘︎ 0.50%90d Change |
| Product Name | High Yield Savings Account | UFB Checking and Savings Bundle |
| Minimum Deposit | $0 | $5000 |
| Min. Balance for APY | $0 | $10,000 |
| Monthly Fee | $0 | $0 |
| Branch Access | None | None |
| Account Type | Online Only | Online Only |
| Direct Deposit Req. | None | Required |
| Checking Bundle | No | Yes |
| Mobile Apps | iOS3.7 Android3.9 | iOS4.8 Android4.3 |
| BBB Rating | A+ | A+ |
| Important Notes | The 4.08% APY is up to $250,000. Balances above that earn no interest. Daily deposit limit is $2,500. | The regular savings or money market APY may be boosted up to 3.71% by direct deposits, minimum balance of $10,000 and making 10 approved debit card transactions per statement cycle. The checking account earns 2% APY. See bank for full details. |
| Next Steps | SponsoredOpen Account |
Savings Comparison
Elevault earns $267.7 more than UFB Direct.
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
UFB Direct
UFB Checking and Savings Bundle
Higher APY requires $10,000
Savings Breakdown
- Interest Earned+$2,218.70(11.0%)
- Total Contributions$13,000
- Initial Deposit$5,000
Projected Balance
$20,218.70
Sponsored Link
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
📈 Compare Savings Rates Over Time
Historical Performance
| Metric | Elevault | UFB Direct | |
|---|---|---|---|
| High Yield Savings Account | UFB Checking and Savings Bundle | UFB Portfolio Savings | |
Current APY | 4.08% | 3.71% | 3.51% |
Trend | Stable | Stable | Stable |
Velocity (bps/mo) | -16.6 | -16.9 | -16.9 |
Days Since Change | 32 | 37 | 37 |
4-Month High | 4.60% | 4.21% | 4.01% |
4-Month Low | 4.08% | 3.71% | 3.51% |
Adjustments / Mo | 0.49 | 0.74 | 0.74 |
Volatility Score | 0.048 | 0.053 | 0.056 |
How to read these metrics(Click to expand)
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