Elevault vs. Wealthfront
Compare rates, requirements, and features side-by-side to find the best option for you.
| Metric | ElevaultHigh Yield Savings Account Jan 7, 2026 | WealthfrontCash Account Jan 7, 2026 |
|---|---|---|
| APY | 3.82% | 3.25% - 3.90% |
Est. Earnings | $5,000+$191 $10,000+$382 $25,000+$955 | $5,000+$171 $10,000+$341 $25,000+$853 |
Min Deposit | $0 | $0 |
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. | Wealthfront is not a bank but a financial services company. It is FDIC-insured through its many partner banks. New clients get an APY of 3.90% for 3 months, after which the 3.25% APY applies. See terms at Wealthfront. |
| Features | FDIC InsuredNo Minimums | FDIC InsuredNo MinimumsGreat iOS AppGreat Android 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.
Comparison Analysis
Comparing Elevault vs. Wealthfront
As of Elevault offers an APY of 3.82% for its High Yield Savings Account, with a minimum balance of $0, compared to Wealthfront's 3.90% APY for its Cash Account, with a minimum balance of $0.
Elevault pays $41 more than Wealthfront on a $10,000 balance after one year. Elevault pays $382, while Wealthfront pays $341 (with an effective APY of 3.41%) - an APY advantage for Elevault.
Why Elevault?
No distinct advantages found vs Wealthfront.
Why Wealthfront?
- ✓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)
— Key Feature Differences —
Better Returns at $10,000
ElevaultElevault's High Yield Savings Account earns more on smaller deposits (approx. $382 vs $341/yr).
Better Returns at $25,000
ElevaultElevault's High Yield Savings Account pulls ahead with larger amounts (approx. $955 vs $853/yr).
Best for Simplicity
WealthfrontWealthfront's Cash Account offers 3.90% APY with no bundling, direct deposit requirement or caps.
Best Mobile App Experience
WealthfrontWealthfront 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 $41 more interest on a $10,000 balance than Wealthfront's Cash Account.
*This comparison accounts for Wealthfront's introductory promotional rate, yet Elevault's standard rate still yields a higher 1-year return.
Executive Summary as of
Wealthfront's Cash Account leads with a 3.90% APY for new clients for the first three months, after which it drops to 3.25%. This account is online-only and does not require direct deposit, making it a straightforward option for savers. In comparison, Elevault's High Yield Savings Account offers a 3.82% APY on balances up to $250,000, also with no direct deposit requirement. While both accounts are online-only and FDIC-insured, Wealthfront's higher initial APY makes it the more attractive choice for new clients looking to maximize their savings in the short term.
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. Wealthfront Savings Calculator
You earn $39.5 more with Elevault than Wealthfront 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
Wealthfront
Cash Account
Promo Rate: 3.90% for 3 months, then 3.25%.
Savings Breakdown
- Interest Earned+$342.50(3.3%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,342.50
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
| Feature | Elevault | Wealthfront |
|---|---|---|
| APY | 3.82% Verified: 1/7/2026 ↘︎ 0.52%90d Change | 3.90% Range: 3.25% - 3.90% Verified: 1/7/2026 - |
| Product Name | High Yield Savings Account | Cash Account |
| Minimum Deposit | $0 | $0 |
| 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 | Not Supported |
| BBB Rating | A | F |
| Important Notes | The 3.82% APY is up to $250,000. Balances above that earn no interest. Daily deposit limit is $2,500. | Wealthfront is not a bank but a financial services company. It is FDIC-insured through its many partner banks. New clients get an APY of 3.90% for 3 months, after which the 3.25% APY applies. See terms at Wealthfront. |
| Next Steps | Visit SiteVerify at Elevault Non-sponsored link to official site | Visit SiteVerify at Wealthfront Non-sponsored link to official site |
📈 Compare Savings Rates Over Time
Historical Performance
| Metric | Elevault | Wealthfront |
|---|---|---|
| High Yield Savings Account | Cash Account | |
Current APY | 3.82% | 3.90% |
Trend | Stable | Stable |
Velocity (bps/mo) | -20.7 | -19.4 |
Days Since Change | 22 | 19 |
2-Month High | 4.08% | 4.15% |
2-Month Low | 3.82% | 3.90% |
Adjustments / Mo | 0.55 | 0.55 |
Volatility Score | 0.032 | 0.030 |
How to read these metrics(Click to expand)
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