Unconfirmed Assumes qualification, daily effective compounding and unchanged rates; before fees and taxes. Actual bank crediting can differ.
Promotions and qualifying rates
No current checked promotion or additional rate qualification appears in this account record. Confirm available offers and all requirements directly with the bank.
Key conditions and complete account terms
Rates can change. Confirm the current terms with the bank before opening an account. Last verified dates show when the approved rates were captured. Estimates require verification within the last 24 hours.
Unconfirmed: Maximum balance, Other service fees, Tiers. The bank information reviewed did not establish these terms.
Minimum opening deposit
$0
Minimum balance to earn interest
$0
Eligibility
Applicants must be at least 18 and U.S. residents, with an SSN, valid driver license or state ID, and a valid checking or savings account. A physical residential address is required rather than a PO box.
Key conditions
Current official disclosure advertises variable 4.34% APY / 4.25% nominal rate, stated accurate May 5, 2026 and freshly captured today. Interest calculated and paid daily on balances up to $500,000; excess-balance treatment and complete calculator tiers are Unconfirmed. The interest-earning cap is not treated as a verified account maximum. No minimum deposit or monthly maintenance fee. In-app initiated transfers in or out limited to $2,500/day; larger inbound transfers may be initiated from the external bank using VaultKey ACH routing/account details. No universal instant transfer promise. Bank changed its name from Southern Bancorp Bank to Uplift Bank on October 26, 2026; current FDIC active certificate 1528 is unchanged. Prior identity, age, residency and external-account requirements are retained. Additional service fees: Unconfirmed.
Elevault’s digital savings experience uses vault-style organization. The fetched page exposed questions about insurance, shared vaults and large transfers without readable answers. This baseline leaves those claims unverified. Check the complete disclosures before treating a vault as a separate account or relying on it for time-sensitive cash.
By High Yield
Published
Organization is useful only with clear access
Elevault’s digital savings experience uses vault-style organization. The fetched page exposed questions about insurance, shared vaults and large transfers without readable answers. This baseline leaves those claims unverified. Check the complete disclosures before treating a vault as a separate account or relying on it for time-sensitive cash.
Baseline assessment and current terms
Evaluate this account at the balance you intend to keep and the withdrawal frequency you need. The current rates-and-terms reference distinguishes checked information from unresolved conditions. A larger advertised APY is not sufficient if qualification, fees or access make the account a poor fit.
This source-based baseline has not included a hands-on account test or established a representative customer-service rating. Publication of the review does not approve missing financial data. Rates are variable; follow the dated reference and official disclosures before opening.
Recorded rates describe what our sources showed, rather than a prediction. Reviewed reader experiences will be added when supported public evidence is available.
Observed rates
Last 90 days · Aug 16, 2026–Nov 14, 2026 · at $10,000.
Changes count only between adjacent checked observations no more than 24 hours apart with comparable terms. Gaps, corrections and changed requirements interrupt comparisons. A zero count does not mean the rate stayed unchanged. The range describes recorded snapshots, whose terms may differ.
These are historical observations. The current review status, official sources and latest terms appear in the account reference. Promotions and qualifying APYs are excluded from this ongoing-rate history.
Uplift Bank is the legal institution behind this account (FDIC certificate 1528). Different brands or branches at the same institution do not create separate insurance limits. Coverage depends on ownership category and the insurer’s rules.
No other active accounts at this institution are currently listed in our curated catalog. This is not a complete inventory of its brands.
High Yield
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