Elevault vs. Ufb Direct
High-Yield Savings Account Comparison
By Aviel Fahl|Last Updated: October 21, 2025
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Summary of Elevault vs. UFB Direct
Key Metrics at a Glance
| Feature | Elevault | UFB Direct |
|---|---|---|
| Top Savings APY | 4.34% High Yield Savings Account | 3.96% UFB Checking and Savings Bundle |
| Minimum to Open | $0 | $5000 |
| Minimum Balance for Top APY | $0 | $10,000 |
| Note | The 4.34% 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 3.96% by direct deposits, minimum balance of $10,000 and making 10 approved debit card transactions per statement cycle. See bank for full details. |
Elevault
Strengths
- Elevault offers a higher APY of 4.34% compared to UFB Direct's maximum of 3.96%.
- Elevault has no minimum balance requirement for its High Yield Savings Account.
- Elevault has no maintenance fees associated with its savings account.
Potential Drawbacks
- Elevault's APY decreased from 4.60% in the last 30 days.
- Elevault is not BBB Accredited, despite having an A+ rating.
- Elevault has a lower App Store rating of 3.8 compared to UFB Direct.
UFB Direct
Strengths
- UFB Direct is BBB Accredited, enhancing its trustworthiness.
- UFB Direct has a higher App Store rating of 4.8.
- UFB Direct offers a secondary savings account with a competitive APY of 3.76%.
Potential Drawbacks
- UFB Direct's maximum APY of 3.96% requires direct deposits and a minimum balance.
- UFB Direct's APY decreased from 4.10% in the last 30 days.
- UFB Direct requires a minimum deposit of $5,000 for its checking and savings bundle.
→ As of October 21, 2025 Elevault offers an APY of 4.34% for its High Yield Savings Account, with a minimum balance of $0, compared to UFB Direct's 3.96% APY for its UFB Checking and Savings Bundle account, with a minimum balance of $10,000.
→ Elevault yields $38 more than UFB Direct on a $10,000 balance after one year. Elevault pays $434, while UFB Direct pays $396 - an APY advantage for Elevault.
→ In addition, UFB Direct also offers 3.76% APY for the UFB Portfolio Savings account.
Calculate Savings Growth for Elevault vs UFB Direct
Elevault - High Yield Savings Account
Total savings breakdown:
- Interest earned: $2,655.5 (12.86%)
- Total contributions: $13,000 (62.94%)
- Initial deposit: $5,000 (24.21%)
Your total balance
$20,655.50
Total balance: $20,655.5
Earnings: $2,655.5
Bank OverviewUFB Direct - UFB Checking and Savings Bundle
⚠️The higher APY only applies once your balance reaches $10,000.
Total savings breakdown:
- Interest earned: $2,379.1 (11.67%)
- Total contributions: $13,000 (63.79%)
- Initial deposit: $5,000 (24.53%)
Your total balance
$20,379.10
Total balance: $20,379.1
Earnings: $2,379.1
With a $5,000 initial deposit and $13,000 in total contributions over 5 years, Elevault's total earnings would be $276.4 higher than UFB Direct's total earnings.
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
Compare Elevault's vs UFB Direct's Savings Accounts
| Elevault | UFB Direct | |||
|---|---|---|---|---|
| Product | High Yield Savings Account | vs | UFB Portfolio Savings | UFB Checking and Savings Bundle |
| APY | 4.34% (as of 10/21/2025) | 3.76% (as of 10/21/2025) | 3.76% - 3.96% (as of 10/21/2025) | |
| Bundled Account | No | No | No | |
| FDIC-insured | Yes | Yes | Yes | |
| Online Only | Yes | Yes | Yes | |
| Compound Frequency | Daily | Daily | Daily | |
| Minimum Deposit | $0 | $0 | $5000 | |
| Minimum Balance for APY | $0 | $0 | $10,000 | |
| Maintenance Fee | $0 | $0 | $0 | |
| Direct Deposit Required | No | No | Yes | |
| Note | The 4.34% 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 3.96% by direct deposits, minimum balance of $10,000 and making 10 approved debit card transactions per statement cycle. See bank for full details. | ||
| Sponsored Link | LEARN MORE at UFB Direct, Member FDIC | LEARN MORE at UFB Direct, Member FDIC | ||
| App Store Rating | 3.8/5 | 4.8/5 | ||
| Google Play Rating | 3.9/5 | 4.5/5 | ||
| BBB Rating | A+ | A+ | ||
Comparative Historical APY Insights (Last 2 Months)
| Elevault | UFB Direct | |||
|---|---|---|---|---|
| Product | High Yield Savings Account | vs | UFB Checking and Savings Bundle | UFB Portfolio Savings |
| Latest APY | 4.34 % | 3.96 % | 3.76 % | |
| Trend | Falling | Falling | Falling | |
| Slope (bps/mo) | -14.7 | -12.6 | -12.6 | |
| Rate Changes / Mo | 0.39 | 0.79 | 0.79 | |
| Days Since Last Change | 29 | 18 | 18 | |
| High (-2 m) | 4.60 % | 4.21 % | 4.01 % | |
| Low (-2 m) | 4.34 % | 3.96 % | 3.76 % | |
| Draw-down from High | -5.7 % | -5.9 % | -6.2 % | |
| Volatility (CV) | 0.028 | 0.025 | 0.027 | |
APY Insights Glossary
- Latest APY
- Most recent advertised annual-percentage yield.
- Trend
- Direction over the last 2 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 (-2 m)
- Highest APY in the last 76 days.
- Low (-2 m)
- Lowest APY in the last 76 days.
- Draw-down from High
- How far today sits below the 2-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.