Elevault vs. Vio Bank
Compare rates, requirements, and features side-by-side to find the best option for you.
| Metric | ElevaultHigh Yield Savings Account Jan 7, 2026 | Vio BankOnline Savings Account Jan 7, 2026 |
|---|---|---|
| APY | 3.82% | 4.09% |
Est. Earnings | $5,000+$191 $10,000+$382 $25,000+$955 | $5,000+$205 $10,000+$409 $25,000+$1,023 |
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 App |
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.
As of Elevault offers an APY of 3.82% for its High Yield Savings Account, with a minimum balance of $0, compared to Vio Bank's 4.09% APY for its Online Savings Account, with a minimum balance of $0.
Vio Bank pays $27 more than Elevault on a $10,000 balance after one year. Elevault pays $382, while Vio Bank pays $409 - an APY advantage for Vio Bank.
Why Elevault?
No distinct advantages found vs Vio Bank.
Why Vio Bank?
- ✓Higher potential APY (4.09% vs 3.82%) on all balances
- ✓No checking account or direct deposit required
- ✓Higher rated iOS app (4.6 vs 3.7)
— Key Feature Differences —
Better Returns at $10,000
Vio BankVio Bank's Online Savings Account earns more on smaller deposits (approx. $409 vs $382/yr).
Better Returns at $25,000
Vio BankVio Bank's Online Savings Account pulls ahead with larger amounts (approx. $1023 vs $955/yr).
Best for Simplicity
Vio BankVio Bank's Online Savings Account offers 4.09% APY with no bundling, direct deposit requirement or caps.
Shared Benefits
Over a 1-year period, Vio Bank's Online Savings Account pays $27 more interest on a $10,000 balance than Elevault's High Yield Savings Account.
*This calculation assumes current rates remain consistent for 1 year and does not include temporary bonuses.
Executive Summary as of
Vio Bank offers a competitive Online Savings Account with a 4.09% APY, making it the winner among the two banks. This account has no direct deposit requirement, no maintenance fees if electronic statements are selected, and a minimum deposit of $100. In comparison, Elevault provides a High Yield Savings Account with a lower 3.82% APY, applicable to balances up to $250,000, but it has a daily deposit limit of $2,500. Both accounts are online-only and FDIC insured, but Vio Bank's account stands out for its higher yield and simpler terms.
The analysis is based on current Banksparency database records
* This content is provided for informational purposes only; always verify details with the provider.
Non-sponsored link to official site
Non-sponsored link to official site
Top Market Contenders
Elevault vs. Vio Bank Savings Calculator
You earn $27 more with Vio Bank than Elevault 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
Vio Bank
Online Savings Account
Savings Breakdown
- Interest Earned+$409.00(3.9%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,409.00
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
| Feature | Elevault | Vio Bank |
|---|---|---|
| APY | 3.82% Verified: 1/7/2026 ↘︎ 0.52%90d Change | 4.09% Verified: 1/7/2026 - |
| Product Name | High Yield Savings Account | Online Savings Account |
| Minimum Deposit | $0 | $100 |
| Min. Balance for APY | $0 | $0 |
| Monthly Fee | $0 | $0, if electronic statements selected, otherwise $5 |
| 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 | iOS4.6 Android3.4 |
| Zelle® Support | Not Supported | Not Supported |
| 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 SiteVerify at Vio Bank Non-sponsored link to official site |
📈 Compare Savings Rates Over Time
Historical Performance
| Metric | Elevault | Vio Bank |
|---|---|---|
| High Yield Savings Account | Online Savings Account | |
Current APY | 3.82% | 4.09% |
Trend | Stable | Stable |
Velocity (bps/mo) | -20.2 | -2.7 |
Days Since Change | 22 | 1 |
2-Month High | 4.08% | 4.21% |
2-Month Low | 3.82% | 4.09% |
Adjustments / Mo | 0.54 | 1.07 |
Volatility Score | 0.032 | 0.005 |
How to read these metrics(Click to expand)
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High Rates (With Checking Bundle)
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