High-Yield Savings Account Comparison

Affirm vs. BrioDirect

Compare rates, requirements, and features side-by-side to find the best option for you.

Analysis by Aviel Fahl
Updated December 10, 2025

Affirm

Affirm Money Account

3.60%
APY
Dec 10, 2025
FDIC InsuredNo MinimumsGreat iOS AppGreat Android App
Show Fine Print & Trends
Min. Deposit$0
Min. Balance$0
Maintenance Fee$0
Compound FreqDaily
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 58410)
EligibilityUnited States
Mobile Ratings
iOS:4.9Android:4.8
BBB Rating
A+(BBB Accredited)

Important Note

While Affirm is not a bank, it is FDIC-insured through partner Cross River Bank.

Rate Stability

Rate Adjusted
-0.25%
Since 90 days ago
Read Bank Overview

BrioDirect

High-Yield Savings Account

4.00%
APY
Dec 10, 2025
FDIC InsuredMod. MinimumGreat iOS AppGreat Android App
Show Fine Print & Trends
Min. Deposit$5,000
Min. Balance$25
Maintenance Fee$0
Compound FreqDaily
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 18221)
EligibilityUnited States
Mobile Ratings
iOS:4.7Android:4.3
BBB Rating
B-(Not BBB Accredited)

Rate Stability

Rate Adjusted
-0.30%
Since 90 days ago
Read Bank Overview

Market Reality Check

Both of these banks offer rates below the current top tier. The best rates we track are currently above 4.25% APY.

See Top Rates

Affirm vs. BrioDirect Savings Calculator

Calculations based on current APY for Affirm Money Account and High-Yield Savings Account
$
$

BrioDirect earns $256.9 more than Affirm.

Affirm

Affirm Money Account

3.60% APY

Savings Breakdown

  • Interest Earned
    +$2,177.80(10.8%)
  • Total Contributions
    $13,000
  • Initial Deposit
    $5,000

Projected Balance

$20,177.80

Effective APY
3.60%
View Details

BrioDirect

High-Yield Savings Account

4.00% APY

Savings Breakdown

  • Interest Earned
    +$2,434.70(11.9%)
  • Total Contributions
    $13,000
  • Initial Deposit
    $5,000

Projected Balance

$20,434.70

Effective APY
4.00%
View Details

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

Comparison Analysis

Comparing Affirm vs. BrioDirect

Updated: Dec 10, 2025

Why Affirm?

  • ✓Higher rated Android app (4.8 vs 4.3)

Why BrioDirect?

  • ✓Higher potential APY (4.00% vs 3.60%)

— Key Feature Differences —

Better Returns at $10,000
BrioDirect

BrioDirect's High-Yield Savings Account earns more on smaller deposits (approx. $400 vs $360/yr).

Better Returns at $25,000
BrioDirect

BrioDirect's High-Yield Savings Account pulls ahead with larger amounts (approx. $1000 vs $900/yr).

Best for Simplicity
BrioDirect

BrioDirect's High-Yield Savings Account offers 4.00% APY with no bundling, direct deposit requirement or caps.

Best Mobile App Experience
Affirm

Affirm offers an iOS app rated 4.9 (vs. 4.7) and Android app rated 4.8 (vs. 4.3)

Shared Benefits

Both offer monthly maintenance-free account options Available Nationwide Available to New & Existing Customers
The Bottom Line on APY (Interest Only)

Over a 1-year period, BrioDirect's High-Yield Savings Account pays $40 more interest on a $10,000 balance than Affirm's Affirm Money Account.

*This calculation assumes current rates remain consistent for 1 year and does not include temporary bonuses.

AffirmBrioDirect
Automated Data Audit

Executive Summary

BrioDirect offers a High-Yield Savings Account with a competitive APY of 4.00%, making it the clear winner in this comparison. This account requires a minimum deposit of $5,000 and a minimum balance of $25, but it has no maintenance fees and does not require direct deposit. In contrast, Affirm provides an Affirm Money Account with an APY of 3.60%, which is FDIC-insured through partner Cross River Bank and has no minimum deposit or balance requirements. While Affirm boasts an excellent mobile app experience, BrioDirect's higher APY and better returns on larger deposits make it a more attractive option for savers.

Analysis generated based on current Banksparency database records

* AI-generated content provided for informational purposes only. Accuracy is not guaranteed; always verify details with the provider.

ExploreAffirmExploreBrioDirect

Top Market Contenders

See who beats both Affirm and BrioDirect.

Compare All High-Yield Savings Accounts
Pibank
Pibank Savings
FDIC InsuredNo Minimums
4.60% APY
+0.60% vs BrioDirect
Better Rate
Pibank vs AffirmPibank vs BrioDirect
Axos Bank
Axos ONE
FDIC InsuredNo MinimumsGreat iOS AppGreat Android App
4.31% APY
+0.31% vs BrioDirect
Better Rate
Axos Bank vs AffirmAxos Bank vs BrioDirect
TIMBR
Premium Savings Account
FDIC InsuredLow Minimums
4.40% APY
+0.40% vs BrioDirect
Better Rate
TIMBR vs AffirmTIMBR vs BrioDirect
FeatureAffirmBrioDirect
APY
3.60%
Verified: 12/10/2025
↘︎ 0.25%90d Change
4.00%
Verified: 12/10/2025
↘︎ 0.30%90d Change
Product NameAffirm Money AccountHigh-Yield Savings Account
Minimum Deposit$0$5,000
Min. Balance for APY$0$25
Monthly Fee$0$0
Branch AccessNoneNone
Account Type
Online Only
Online Only
Direct Deposit Req.NoneNone
Checking BundleNoNo
Mobile Apps
iOS4.9
Android4.8
iOS4.7
Android4.3
BBB RatingA+B-
Important NotesWhile Affirm is not a bank, it is FDIC-insured through partner Cross River Bank.-
Next Steps
- View Details
- View Details

📈 Compare Savings Rates Over Time

Historical Performance

Last 11 Months Analysis
MetricAffirmBrioDirect
Affirm Money AccountHigh-Yield Savings Account
Current APY
3.60%4.00%
Trend
 Stable Stable
Velocity (bps/mo)
-2.7-5.0
Days Since Change
7540
11-Month High
3.85%4.55%
11-Month Low
3.60%4.00%
Adjustments / Mo
0.090.56
Volatility Score
0.0300.040
How to read these metrics(Click to expand)

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.
  • Velocity (bps/mo): Speed of change. A high positive number means they raise rates quickly. 10 bps = 0.10%.
  • Adjustments/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 323-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.

Compare Similar High-Yield Accounts

Compare Affirm vs...

Comparing against Standard Savings

vs Affirm
PibankNo Bundle Req
4.60%
APY
vs Affirm
TIMBRNo Bundle Req
4.40%
APY
vs Affirm
Newtek BankNo Bundle Req
4.35%
APY

Compare BrioDirect vs...

Comparing against Standard Savings

vs BrioDirect
PibankNo Bundle Req
4.60%
APY
vs BrioDirect
TIMBRNo Bundle Req
4.40%
APY
vs BrioDirect
Newtek BankNo Bundle Req
4.35%
APY

Higher Rates (With Checking)

Looking for something different? Check out these top-rated alternatives.

Checking Bundle
Axos Bank View Details
4.31%
APY
Checking Bundle
SoFi Bank View Details
4.30%
APY
Checking Bundle
Presidential Bank View Details
4.00%
APY

More Comparisons

Compare Affirm's APY of 3.60% with other banks
Bank PairCompetitor APYMin Deposit
Affirm vs Ally Bank3.30%$0
Affirm vs American Express3.40%$0
Affirm vs Axos Bank4.31%$0
Affirm vs Bank of America0.01%$100
Affirm vs Barclays4.00%$0
Affirm vs Bask Bank3.90%$0
Affirm vs Betterment3.50%$10
Affirm vs BMO Alto3.25%$0
Affirm vs Bread Savings4.10%$100
Affirm vs Capital One3.40%$0
Affirm vs Charles Schwab Bank0.15%$0
Affirm vs Chase Bank0.01%$0
Affirm vs Chime3.50%$0
Affirm vs CIT Bank3.75%$100
Affirm vs Citibank3.30%$0
Affirm vs Citizens Access™3.15%$0.01
Affirm vs Climate First Bank4.21%$50
Affirm vs Discover Bank3.40%$0
Affirm vs E*TRADE from Morgan Stanley3.75%$0
Affirm vs Elevault4.08%$0
Affirm vs EverBank4.05%$0
Affirm vs Fitness Bank4.75%$100
Affirm vs FNBO Direct3.00%$1
Affirm vs Forbright Bank4.00%$0
Affirm vs FVCbank3.85%$500
Affirm vs GO2bank4.50%$0
Affirm vs Ivy Bank4.25%$2,500
Affirm vs LendingClub4.20%$0
Affirm vs Marcus by Goldman Sachs3.65%$0
Affirm vs Neighbors Bank4.30%$0
Affirm vs Newtek Bank4.35%$0.01
Affirm vs Openbank4.20%$500
Affirm vs Peak Bank4.20%$100
Affirm vs Pibank4.60%$0
Affirm vs PNC3.53%$0
Affirm vs Presidential Bank4.00%$5,000
Affirm vs Quontic Bank3.75%$100
Affirm vs Salem Five Direct3.71%$10
Affirm vs Sallie Mae Bank3.90%$0
Affirm vs Santander Bank0.01%$25
Affirm vs SoFi Bank4.30%$0
Affirm vs Synchrony Bank3.65%$0
Affirm vs TD Bank2.75%$0
Affirm vs TIMBR4.40%$1,000
Affirm vs UFB Direct3.71%$5000
Affirm vs Upgrade3.05%$0
Affirm vs Valley Direct4.10%$1,000
Affirm vs Varo Bank5.00%$0
Affirm vs Vio Bank4.16%$100
Affirm vs Wealthfront4.15%$0
Affirm vs Wells Fargo0.05%$25
Affirm vs Zynlo Bank4.05%$10
Compare BrioDirect's APY of 4.00% with other banks
Bank PairCompetitor APYMin Deposit
BrioDirect vs Ally Bank3.30%$0
BrioDirect vs American Express3.40%$0
BrioDirect vs Axos Bank4.31%$0
BrioDirect vs Bank of America0.01%$100
BrioDirect vs Barclays4.00%$0
BrioDirect vs Bask Bank3.90%$0
BrioDirect vs Betterment3.50%$10
BrioDirect vs BMO Alto3.25%$0
BrioDirect vs Bread Savings4.10%$100
BrioDirect vs Capital One3.40%$0
BrioDirect vs Charles Schwab Bank0.15%$0
BrioDirect vs Chase Bank0.01%$0
BrioDirect vs Chime3.50%$0
BrioDirect vs CIT Bank3.75%$100
BrioDirect vs Citibank3.30%$0
BrioDirect vs Citizens Access™3.15%$0.01
BrioDirect vs Climate First Bank4.21%$50
BrioDirect vs Discover Bank3.40%$0
BrioDirect vs E*TRADE from Morgan Stanley3.75%$0
BrioDirect vs Elevault4.08%$0
BrioDirect vs EverBank4.05%$0
BrioDirect vs Fitness Bank4.75%$100
BrioDirect vs FNBO Direct3.00%$1
BrioDirect vs Forbright Bank4.00%$0
BrioDirect vs FVCbank3.85%$500
BrioDirect vs GO2bank4.50%$0
BrioDirect vs Ivy Bank4.25%$2,500
BrioDirect vs LendingClub4.20%$0
BrioDirect vs Marcus by Goldman Sachs3.65%$0
BrioDirect vs Neighbors Bank4.30%$0
BrioDirect vs Newtek Bank4.35%$0.01
BrioDirect vs Openbank4.20%$500
BrioDirect vs Peak Bank4.20%$100
BrioDirect vs Pibank4.60%$0
BrioDirect vs PNC3.53%$0
BrioDirect vs Presidential Bank4.00%$5,000
BrioDirect vs Quontic Bank3.75%$100
BrioDirect vs Salem Five Direct3.71%$10
BrioDirect vs Sallie Mae Bank3.90%$0
BrioDirect vs Santander Bank0.01%$25
BrioDirect vs SoFi Bank4.30%$0
BrioDirect vs Synchrony Bank3.65%$0
BrioDirect vs TD Bank2.75%$0
BrioDirect vs TIMBR4.40%$1,000
BrioDirect vs UFB Direct3.71%$5000
BrioDirect vs Upgrade3.05%$0
BrioDirect vs Valley Direct4.10%$1,000
BrioDirect vs Varo Bank5.00%$0
BrioDirect vs Vio Bank4.16%$100
BrioDirect vs Wealthfront4.15%$0
BrioDirect vs Wells Fargo0.05%$25
BrioDirect vs Zynlo Bank4.05%$10