Capital One vs. Elevault
Capital One's 360 Performance Savings pays 3.00% APY while Elevault's High Yield Savings Account pays 4.34% APY.
See how they compare on rate stability, mobile app ratings, and more below.
The Bottom Line
Who pays more interest on $10,000? Elevault pays $134 more than Capital One annually ($434 vs $300).
Choose Capital One if you value in-person banking, you're an iPhone user, or you want Zelle for quick transfers. Choose Elevault if getting the best rate matters most.
| Metric | Capital OneBusiness Savings Account Sep 14, 2026 | ElevaultHigh Yield Savings Account Sep 14, 2026 |
|---|---|---|
| APY | 3.50% | 4.34% |
Earns in a year | $5,000+$175 $10,000+$350 $25,000+$875 | $5,000+$217 $10,000+$434 $25,000+$1,085 |
Min. Deposit | $0 | $0 |
Snapshot view. Rates subject to change. | ||
Terms | - | The APY is available up to $250,000. Balances above that earn no interest. Daily deposit limit is $2,500. |
| Features | FDIC InsuredNo MinimumsGreat iOS AppGreat Android AppIn-Person AccessZelle® Supported | FDIC InsuredNo MinimumsGreat iOS AppGreat Android AppDaily CompoundingRate Changes Often |
Comparison Analysis
Comparing Capital One vs. Elevault
Executive Summary
Capital One held $512,600,000,000 at June 30, 2026, while Elevault held $2,336,560,000 at the same date. Elevault paid 1.65% on average on savings and money market deposits. Its savings account offers 4.34%. Capital One paid 2.91% on average on savings and money market deposits. Its savings account offers 3.00%. Elevault has led since at least January 31, 2026, and has not changed since then.
The analysis is based on current Banksparency database records
* This content is provided for informational purposes only; always verify details with the provider.
Why Capital One?
- No checking account or direct deposit required
- Physical branch access (Over 200 branches in Louisiana, Maryland, New Jersey, New York, Texas, Virginia and Washington, D.C.)
- Higher rated iOS app (4.8 vs 4.2)
- Offers 3 different high-yield savings options
- Fast transfers via Zelle® (up to $2,500 a day)
Why Elevault?
- Higher potential APY (4.34% vs 2.50%-3.50%) on all balances
Key Feature Differences
Better Returns at $10,000
ElevaultElevault's High Yield Savings Account earns more on smaller deposits (approx. $434 vs $350/yr).
Better Returns at $25,000
ElevaultElevault's High Yield Savings Account pulls ahead with larger amounts (approx. $1085 vs $875/yr).
Better for Simplicity
Capital OneCapital One's Business Savings Account offers 3.50% APY with no bundling, direct deposit requirement or caps.
Better Mobile App Experience
Capital OneCapital One offers an iOS app rated 4.8 (vs. 4.2) and Android app rated 4.5 (vs. 4.3)
Shared Benefits
Over a 1-year period, Elevault's High Yield Savings Account pays $84 more interest on a $10,000 balance than Capital One's Business Savings Account.
*This calculation assumes current rates remain consistent for 1 year and does not include temporary bonuses.
Non-sponsored link to official site
Non-sponsored link to official site
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Capital One vs. Elevault Savings Calculator
You earn $84 more with Elevault than Capital One 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.
Capital One
Business Savings Account
Savings Breakdown
- Interest Earned+$350.00(3.4%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,350.00
Elevault
High Yield Savings Account
Savings Breakdown
- Interest Earned+$434.00(4.2%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,434.00
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
Still at a large branch bank?
A typical branch-bank savings rate is 0.05% APY. On a $10,000 balance, the gap to these two banks is at least $345 a year in interest.
Both Capital One and Elevault advertise far more than that typical branch-bank rate.
| Feature | Capital One | Elevault |
|---|---|---|
| APY | 3.50% Observed: 9/14/2026 Stable over 90 days | 4.34% Observed: 9/14/2026 Stable over 90 days |
| Product Name | Business Savings Account | High Yield Savings Account |
| Minimum Deposit | $0 | $0 |
| Min. Balance for APY | $0 | $0 |
| Monthly Fee | N/A | $0 |
| Compound Frequency | Monthly | Daily |
| In-Branch Access | Yes | No |
| Account Type | Online & Branches | Online Only |
| Physical Branches | 252 (CT, DC, DE, LA, MD, NJ, NY, TX (+1 more)) | Not reported |
| Direct Deposit Req. | None | None |
| Checking Bundle | No | No |
| Mobile Apps | ||
| FDIC or NCUA Insured | YesVerify FDIC | YesVerify FDIC |
| Zelle® Support | Available Limit: $2,500/dayAvailable for 360 Checking accounts. | Not Supported |
| BBB Rating | A+ | A- |
| Important Notes | - | The APY is available up to $250,000. Balances above that earn no interest. Daily deposit limit is $2,500. |
| Next Steps | Visit SiteVerify at Capital One Non-sponsored link to official site | Visit SiteVerify at Elevault Non-sponsored link to official site |
What each bank pays on deposits
An advertised rate tells you what a new savings account earns today. It cannot tell you how the bank has priced the savings and money market deposits it already holds, over time. This section shows that. The figure is computed from the interest expense and deposit balances that every bank files with the FDIC in the same form. That is what makes it comparable across banks and across quarters.
Capital One
The two figures answer different questions, so they sit side by side and are not combined.
In Q2 2026, Capital One paid a higher average rate on savings and money market deposits than 92% of banks that reported a figure (3,938 banks; FDIC call report). The all-bank median was 1.45%.
Each figure is that bank's own charter-level average across its whole deposit book, so the two are shown one after the other and are not a ranking.
Elevault
The two figures answer different questions, so they sit side by side and are not combined.
In Q2 2026, Southern Bcorp Bank paid a higher average rate on savings and money market deposits than 58% of banks that reported a figure (3,938 banks; FDIC call report). The all-bank median was 1.45%.
How to read these figures
What the average covers. It is an average across the whole bank, taken from its own quarterly FDIC call report. It covers savings accounts and money market deposit accounts, personal and business, at every balance tier. It also covers accounts that were opened years ago and keep the rate of those years. The FDIC line does not separate consumer accounts.
The second figure. The scale row also shows the average across all interest-bearing deposits: savings, interest checking, money market accounts, CDs, personal and business. That figure covers the whole deposit book. The two are shown separately and are not combined.
What the advertised rate covers. It is the rate that this bank advertises now for a new savings account. Banksparency records it from the bank's website on the date shown beside it.
Why the two differ. They measure different things, so this page shows them side by side and keeps them apart. An advertised rate applies to one account, opened now, at today's price. The average also includes older savings balances at the rates of earlier years, money market balances that were priced in a different rate environment, and business accounts. An average below an advertised rate is the usual result of that arithmetic. On its own it is not evidence about the account that you would open.
What the average is useful for. The bank files the data itself, under reporting instructions that are the same for every filer, and the same computation runs for every bank on this site. That makes it comparable in a way that an advertisement is not. Two things on this page read it: the percentile, which shows where the quarter sits among all filers, and the chart, which shows the direction the figure has moved across quarters.
What the average cannot tell you. It cannot tell you the rate that you would earn. No single customer earns the average. For your rate, read the advertised rate above and the rate tables on this page, each with the date it was observed.
What to do next. Use the advertised rate to work out what a new account earns. Use the chart to see how the quarterly average has moved against the all-bank median. Then compare the advertised rate against the current rates on the savings-rate tables before you open an account.
Definitions: Call Report · Rate Paid on Deposits · Interest-Bearing Deposits · Front Book and Back Book · Deposit Rate Percentile
Average annualized rates paid on savings and money market deposits, and on all interest-bearing deposits, quarterly. The FDIC line for savings includes money market deposit accounts and business savings deposits and does not separate consumer accounts. Source: FDIC call report data, as reported; it may be amended. The percentile compares all FDIC filers, count-weighted. A missing quarter is suppressed, never interpolated. The percentile counts the banks that paid strictly less on savings and money market deposits, one vote per bank, among the 3,938 banks that reported a figure for the quarter ending June 30, 2026.
CD rates, term by term
Elevault has no CD listed on Banksparency. Capital One lists 10 CD terms, from 6 to 60 months. Its highest rate is 4.30% APY on the 11-month CD. Each row below is one term, with the FDIC national average for that term beside it.
| Term | Capital One APY | FDIC average (Aug 2026) |
|---|---|---|
| 12 months | 4.00% APYNo minimum | 1.71% |
| 6 months | 3.30% APYNo minimum | 1.41% |
| 9 months | 3.75% APYNo minimum | |
| 11 months | 4.30% APYNo minimum | 1.71%12-month average |
| 18 months | 3.60% APYNo minimum | |
| 24 months | 3.50% APYNo minimum | 1.57% |
| 30 months | 3.50% APYNo minimum | |
| 36 months | 3.50% APYNo minimum | 1.34% |
| 48 months | 3.50% APYNo minimum | 1.27% |
| 60 months | 3.60% APYNo minimum | 1.36% |
Elevault: no CD listed on Banksparency.
Compare Savings Rates Over Time
Historical Performance
| Metric | Capital One | Elevault | |
|---|---|---|---|
| 360 Performance Savings | Business Savings Account | High Yield Savings Account | |
Current APY | 3.00% | 3.50% | 4.34% |
Trend | Stable | Stable | Stable |
Speed of change | -0.03 | 0.00 | 0.08 |
Days Since Change | 104 | 174 | 129 |
7-Month High | 3.20% | 3.50% | 4.34% |
7-Month Low | 3.00% | 3.50% | 3.82% |
Changes per month | 0.27 | 0.00 | 0.13 |
Steadiness | 0.026 | 0.000 | 0.064 |
How to read these metrics(Click to expand)
Trends and speed
- Trend: The general direction of the rate over the analyzed period. Useful for seeing whether a bank is raising its rate or letting it slip.
- Speed of change: How fast the rate moves. A high positive number means they raise rates quickly. A reading of 0.10 is a tenth of a percentage point each month.
- Changes per month: How often the rate moves. A high number means it changes constantly; a low number means it holds.
Risk & Range
- High/Low: The absolute ceiling and floor of the rate during the 226-day window.
- Steadiness: How far the rate swings around its average. A lower score means a steadier, more predictable rate.
- Days Since Change: A high number, for example above 90, means the rate rarely moves. A low number means it changed recently.
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More Comparisons
Compare Capital One's APY of 3.50% with other banks
Compare Elevault's APY of 4.34% with other banks
| Bank Pair | Competitor APY | Min Deposit |
|---|---|---|
| Elevault vs Ally Bank | 3.00% | $0 |
| Elevault vs American Express | 3.00% | $0 |
| Elevault vs Axos Bank | 4.21% | $0 |
| Elevault vs Barclays | 3.65% | $0 |
| Elevault vs Chime | 3.75% | $0 |
| Elevault vs CIT Bank | 3.75% | $100 |
| Elevault vs EverBank | 3.90% | $0 |
| Elevault vs Marcus by Goldman Sachs | 3.40% | $0 |
| Elevault vs Newtek Bank | 4.20% | $100 |
| Elevault vs Openbank | 3.80% | $500 |
| Elevault vs Pibank | 4.10% | $0 |
| Elevault vs SoFi Bank | 4.00% | $0 |
| Elevault vs Synchrony Bank | 3.30% | $0 |
| Elevault vs Varo Bank | 3.75% | $0 |
| Elevault vs Wealthfront | 3.95% | $0 |