Elevault vs. Pibank
Elevault's High Yield Savings Account pays 4.34% APY while Pibank's Pibank Savings pays 4.10% 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 $24 more than Pibank annually ($434 vs $410).
Choose Elevault if getting the best rate matters most, or mobile app quality matters.
| Metric | ElevaultHigh Yield Savings Account Sep 11, 2026 | PibankPibank Savings Sep 11, 2026 |
|---|---|---|
| APY | 4.34% | 4.10% |
Earns in a year | $5,000+$217 $10,000+$434 $25,000+$1,085 | $5,000+$205 $10,000+$410 $25,000+$1,025 |
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 AppDaily CompoundingRate Changes Often | FDIC InsuredNo MinimumsDaily CompoundingStable Rate |
Prefer In-Person Banking?
Both of these institutions are online-only. If you need in-branch access, check out our list of savings accounts with brick-and-mortar locations.
Executive Summary
Elevault offers a High Yield Savings Account with a competitive APY of 4.34%, making it the preferred choice for savers looking to maximize returns. This account is available up to $250,000, with no interest earned on balances above that, and it features a daily deposit limit of $2,500. In comparison, Pibank's Pibank Savings provides an APY of 4.10%, which is slightly lower, but it has no caps or direct deposit requirements, making it simpler for users. Both accounts are online-only and do not charge maintenance fees.
The analysis is based on current Banksparency database records
* This content is provided for informational purposes only; always verify details with the provider.
Why Elevault?
- Higher potential APY (4.34% vs 4.10%) on all balances
- Higher rated iOS app (4.1 vs 2.1)
- Higher rated Android app (4.1 vs 1.8)
Why Pibank?
- No checking account or direct deposit required
Key Feature Differences
Better Returns at $10,000
ElevaultElevault's High Yield Savings Account earns more on smaller deposits (approx. $434 vs $410/yr).
Better Returns at $25,000
ElevaultElevault's High Yield Savings Account pulls ahead with larger amounts (approx. $1085 vs $1025/yr).
Better for Simplicity
PibankPibank's Pibank Savings offers 4.10% APY with no bundling, direct deposit requirement or caps.
Better Mobile App Experience
ElevaultElevault offers an iOS app rated 4.1 (vs. 2.1) and Android app rated 4.1 (vs. 1.8)
Shared Benefits
Over a 1-year period, Elevault's High Yield Savings Account pays $24 more interest on a $10,000 balance than Pibank's Pibank Savings.
*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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Elevault vs. Pibank Savings Calculator
You earn $24 more with Elevault than Pibank 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
Savings Breakdown
- Interest Earned+$434.00(4.2%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,434.00
Pibank
Pibank Savings
Savings Breakdown
- Interest Earned+$410.00(3.9%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,410.00
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 $405 a year in interest.
Both Elevault and Pibank advertise far more than that typical branch-bank rate.
| Feature | Elevault | Pibank |
|---|---|---|
| APY | 4.34% Observed: 9/11/2026 Stable over 90 days | 4.10% Observed: 9/11/2026 0.30%90-day change |
| Product Name | High Yield Savings Account | Pibank Savings |
| Minimum Deposit | $0 | $0 |
| Min. Balance for APY | $0 | $0.01 |
| Monthly Fee | $0 | $0 |
| Compound Frequency | Daily | Daily |
| In-Branch Access | No | No |
| Account Type | Online Only | Online Only |
| Physical Branches | Not reported | Not reported |
| Direct Deposit Req. | None | None |
| Checking Bundle | No | No |
| Mobile Apps | ||
| FDIC or NCUA Insured | YesVerify FDIC | YesVerify FDIC |
| Zelle® Support | Not Supported | 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 Elevault Non-sponsored link to official site | Visit SiteVerify at Pibank Non-sponsored link to official site |
Compare Savings Rates Over Time
Historical Performance
| Metric | Elevault | Pibank |
|---|---|---|
| High Yield Savings Account | Pibank Savings | |
Current APY | 4.34% | 4.10% |
Trend | Stable | Stable |
Speed of change | -0.09 | -0.03 |
Days Since Change | 126 | 70 |
12-Month High | 4.60% | 4.60% |
12-Month Low | 3.82% | 4.10% |
Changes per month | 0.33 | 0.16 |
Steadiness | 0.056 | 0.014 |
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 364-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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High Rates (With Checking Bundle)
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More Comparisons
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 Capital One | 3.50% | $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 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 |