BrioDirect: Savings Account & Rates

By Aviel Fahl

Updated: 1/21/2026

Mission: Banksparency aims to make BrioDirect's savings account transparent and comparable to the market.

Interest rates reported as APY

Savings Overview

High-Yield Savings Account

3.75% APY

Rate Adjusted

-0.45%

Since 90 days ago

Min: $5,000 Online Only

Min. Deposit	$5,000
Min. Balance	$25
Maintenance Fee	$0

Rank #42 of 99 tracked.

Market Reality Check

This bank offers rates below the current top tier. The best rates we track are currently above 4.20% APY.

See Top Rates

National Avg: 0.39% (FDIC, 1/20/2026).
Banksparency tracks live rates daily.

Bank Overview

HQ LocationJericho, New York
Founded2007
AffiliationBrioDirect is the online brand of Webster Bank, N.A. (its holding company Webster Financial Corporation has been assigned this ticker symbol NYSE:WBS), and opening an account with BrioDirect will make you a Webster Bank client.
Ratings & Trust
4.7iOS 4.4Android B-BBB Not BBB Accredited
Zelle® SupportAvailable
Accessed via the Webster Bank mobile app.
Deposit InsuranceFDIC Insured(Cert: 18221)

Visit Official Website

Featured Offers

Axos ONE - High Yield Savings & Checking

Over 95,000 fee-free ATMs
Get paid up to 2 days early with Direct Deposit
One convenient app for spending & saving

FDIC Insured

Savings4.31%APY

Checking0.51%APY

Go to Axos Bank

Member, FDIC

View Details

Monthly Maintenance Fee	None
Min. Deposit to Savings Account	$0
Min. Balance in Savings Account	$0
How to qualify for APY	OPTION ADirect Deposit $1,500+ AND Maintain $1,500+ avg daily checking balance. OR OPTION BDeposit $5,000+ total/mo AND Maintain $5,000+ avg daily checking balance.
Mobile Ratings	iOS:4.7 Android:4.5

The 4.31% APY is available with the Axos ONE savings and checking bundle. The checking account earns 0.51% APY. To qualify, you must either set up a direct deposit of $1,500 and maintain an average daily balance of more than $1,500 in your ONE Checking account, or receive at least $5,000 in total monthly qualifying deposits and maintain an average daily balance of more than $5,000.

EASY TRANSFERS, LOW MINIMUMS

SponsoredVerified Jan 21, 2026

FDIC Insured

Quontic High Yield Savings

Apply in 3 minutes or less
No monthly service fees
Transfer with Zelle, Apple Pay, G-Pay, and more

FDIC Insured

Savings3.50%APY

Go to Quontic Bank

Member, FDIC

View Details

Monthly Maintenance Fee	None
Min. Deposit to Savings Account	$100
Min. Balance in Savings Account	$0
Mobile Ratings	iOS:4.8 Android:4.9

PREMIUM ACCOUNT, GENEROUS BONUS

SponsoredVerified Jan 21, 2026

FDIC Insured

CIT Bank - Platinum Savings

Competitive APY - with a balance of $5,000+
Earn up to $300 bonus with qualifying deposit
Highly rated mobile apps

FDIC Insured

Savings3.75%APY

Up to$300Bonus

Go to CIT Bank

Member, FDIC

View Details

Monthly Maintenance Fee	None
Min. Deposit to Savings Account	$100
Min. Balance in Savings Account	$5,000
Mobile Ratings	iOS:4.8 Android:4.6

This is a tiered savings account, where the 3.75% APY requires meeting the $5,000 balance requirement. Lower balances earn an APY of 0.25%.

Our Take on BrioDirect

The Good

Decent APY of 3.75%
No monthly maintenance fees
Highly rated mobile apps (iOS: 4.7, Android: 4.4)

Considerations

No physical branch access (online only)

Verdict

BrioDirect offers a High-Yield Savings Account with an attractive APY of 3.75%. This account comes with no monthly maintenance fees and does not require direct deposit or checking account linkage. Additionally, BrioDirect is noted for its highly rated mobile apps, with scores of 4.7 for iOS and 4.4 for Android. However, it's important to note that BrioDirect operates online only, meaning there is no access to physical branches.

Top Market Contenders

Capital One

3.30% APY

vs. BrioDirect

American Express

3.30% APY

vs. BrioDirect

EverBank

3.90% APY

vs. BrioDirect

Popular Peer Comparisons

Openbank vs Wealthfront American Express vs Marcus by Goldman Sachs Axos Bank vs Capital One American Express vs Capital One Chase Bank vs Santander Bank EverBank vs Marcus by Goldman Sachs

Savings Account: In-Depth View

Savings Account Offered by BrioDirect

Feature	High-Yield Savings Account
APY	3.75%Verified: 1/21/2026
APY Trend	Rate Adjusted -0.45% Since 90 days ago
Min. Deposit	$5,000
Min. Balance	$25
Monthly Fee	$0
Direct Deposit	None
Checking Bundle	No
Branch Access	None
Compounding	Daily
FDIC Insured	Yes
Eligibility	United States
Next Steps	-

Calculate Savings for BrioDirect

All calculations are based on APY.

Selected Product

High-Yield Savings Account3.75% APY

Initial Deposit

Recurring Deposit

Frequency

Duration

Savings Breakdown

Interest Earned
+$2,273.80(11.2%)
Total Contributions
$13,000
Initial Deposit
$5,000

Projected Balance

$20,273.80

Effective APY

3.75%

The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.

BrioDirect Savings Rates Over Time

Historical APY Insights

Last 12 Months

Metric	High-Yield Savings Account
Latest APY	3.75%
Trend	Falling
Slope (bps/mo)	-6.5
Rate Changes / Mo	0.58
Days Since Last Change	40
High (-12m)	4.55%
Low (-12m)	3.75%
Draw-down	-17.6%
Volatility (CV)	0.060

How to read these metrics▼

Trends & Velocity

Trend: The general direction of the rate over the analyzed period. Useful for spotting if a bank is currently aggressive or pulling back.
Slope (bps/mo): Speed of change. A high positive number means they raise rates quickly. 10 bps = 0.10%.
Rate Changes / Mo: "Twitchiness." High frequency means the rate changes constantly; low frequency means it's stable.

Risk & Range

High/Low: The absolute ceiling and floor of the rate during the 365-day window.
Volatility Score: Lower is better for predictability. It indicates how wildly the rate swings relative to its average.
Days Since Change: If this number is high (e.g., >90), the rate is very sticky. If low, it changed recently.

Why track this? Understanding volatility helps you avoid "bait-and-switch" rates. A steady, rising slope is ideal; high volatility often signals a temporary teaser rate.

Compare with BrioDirect

Feature	Current View BrioDirect	Empty Slot
Product	High-Yield Savings Account	-
APY	3.75%Verified: 1/21/2026	-
APY Trend	Rate Adjusted -0.45% Since 90 days ago	-
Min. Deposit	$5,000	-
Monthly Fee	$0	-
Direct Deposit	No	-
Checking Bundle	No	-
Branch Access	None	-
Eligibility	United States	-
Compounding	Daily	-
FDIC Insured	Yes	-
Next Steps	-	-

Bank-to-Bank Comparisons

Compare BrioDirect's APY of 3.75% with other banks

Bank Pair	Competitor APY	Min Deposit
BrioDirect vs Ally Bank	3.30%	$0
BrioDirect vs American Express	3.30%	$0
BrioDirect vs Axos Bank	4.31%	$0
BrioDirect vs Bank of America	0.01%	$100
BrioDirect vs Barclays	4.00%	$0
BrioDirect vs Capital One	3.30%	$0
BrioDirect vs Chase Bank	0.01%	$0
BrioDirect vs Chime	3.50%	$0
BrioDirect vs CIT Bank	3.75%	$100
BrioDirect vs Citibank	3.30%	$0
BrioDirect vs Discover Bank	3.30%	$0
BrioDirect vs EverBank	3.90%	$0
BrioDirect vs Marcus by Goldman Sachs	3.65%	$0
BrioDirect vs Newtek Bank	4.35%	$0.01
BrioDirect vs Openbank	4.20%	$500
BrioDirect vs Pibank	4.60%	$0
BrioDirect vs SoFi Bank	4.00%	$0
BrioDirect vs Synchrony Bank	3.65%	$0
BrioDirect vs Varo Bank	5.00%	$0
BrioDirect vs Wealthfront	3.90%	$0
BrioDirect vs Wells Fargo	0.05%	$25

Alternatives to BrioDirect

Banks with Higher/Similar Savings APY

Sprout Savings: 3.45% APY

Minimum Deposit: $1

Eligible States: Limited (see details)

Valley Direct

High-Yield Savings Account: 4.00% APY

Minimum Deposit: $1,000

Eligible States: Limited (see details)

MutualOne Bank

Mo Premium Savings: 4.07% APY

Minimum Deposit: $20,000

Online Savings: 0.40% APY

Minimum Deposit: $5,000

Online Only

Barclays

Tiered Savings: 4.00% APY

Minimum Deposit: $0

Online Only

Online Savings: 3.60% APY

Minimum Deposit: $0

Online Only