BrioDirect: Savings Account & Rates
Mission: Banksparency aims to make BrioDirect's savings account transparent and comparable to the market.
Savings Overview
High-Yield Savings Account
| Min. Deposit | $5,000 |
| Min. Balance | $25 |
| Maintenance Fee | $0 |
Market Reality Check
This bank offers rates below the current top tier. The best rates we track are currently above 4.21% APY.
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
- Zelle® SupportAvailableAccessed via the Webster Bank mobile app.
- Deposit InsuranceFDIC Insured(Cert: 18221)
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)
BrioDirect offers a High-Yield Savings Account with an attractive APY of 3.75%. This account has no monthly maintenance fees and does not require direct deposit or a checking account to open. However, it is important to note that BrioDirect operates online only, meaning there is no physical branch access. The bank is also recognized for its highly rated mobile apps, with scores of 4.7 for iOS and 4.4 for Android.
Top Market Contenders
Savings Account: In-Depth View
Savings Account Offered by BrioDirect
| Feature | High-Yield Savings Account |
|---|---|
APY | 3.75%Verified: 1/7/2026 |
APY Trend | 30 days ↘︎ 0.25% 90 days ↘︎ 0.45% |
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
Savings Breakdown
- Interest Earned+$2,273.80(11.2%)
- Total Contributions$13,000
- Initial Deposit$5,000
Projected Balance
$20,273.80
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) | -6.3 |
Rate Changes / Mo | 0.66 |
Days Since Last Change | 26 |
High (-12m) | 4.75% |
Low (-12m) | 3.75% |
Draw-down | -21.1% |
Volatility (CV) | 0.058 |
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: 1/7/2026 | - |
APY Trend | 30 days ↘︎ 0.25% 90 days ↘︎ 0.45% | - |
| 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
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