Betterment vs. BrioDirect
Compare rates, requirements, and features side-by-side to find the best option for you.
Betterment
Cash Reserve
3.50%APYDec 10, 2025FDIC InsuredLow MinimumsGreat iOS AppGreat Android AppShow Fine Print & Trends Hide Details
Betterment
Cash Reserve
BrioDirect
High-Yield Savings Account
4.00%APYDec 10, 2025FDIC InsuredMod. MinimumGreat iOS AppGreat Android AppShow Fine Print & Trends Hide Details
BrioDirect
High-Yield Savings Account
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.
Betterment vs. BrioDirect Savings Calculator
BrioDirect earns $320.6 more than Betterment.
Betterment
Cash Reserve
Savings Breakdown
- Interest Earned+$2,114.10(10.5%)
- Total Contributions$13,000
- Initial Deposit$5,000
Projected Balance
$20,114.10
BrioDirect
High-Yield Savings Account
Savings Breakdown
- Interest Earned+$2,434.70(11.9%)
- Total Contributions$13,000
- Initial Deposit$5,000
Projected Balance
$20,434.70
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
Comparison Analysis
Comparing Betterment vs. BrioDirect
Why Betterment?
- ✓Higher rated Android app (4.7 vs 4.3)
Why BrioDirect?
- ✓Higher potential APY (4.00% vs 3.50%)
— Key Feature Differences —
Better Returns at $10,000
BrioDirectBrioDirect's High-Yield Savings Account earns more on smaller deposits (approx. $400 vs $350/yr).
Better Returns at $25,000
BrioDirectBrioDirect's High-Yield Savings Account pulls ahead with larger amounts (approx. $1000 vs $875/yr).
Best for Simplicity
BrioDirectBrioDirect's High-Yield Savings Account offers 4.00% APY with no bundling, direct deposit requirement or caps.
Shared Benefits
Over a 1-year period, BrioDirect's High-Yield Savings Account pays $50 more interest on a $10,000 balance than Betterment's Cash Reserve.
*This calculation assumes current rates remain consistent for 1 year and does not include temporary bonuses.
Executive Summary
BrioDirect offers a High-Yield Savings Account with a competitive APY of 4.00%, making it the winner among the two banks. This account requires a minimum deposit of $5,000 and a minimum balance of $25, but it has no maintenance fees or direct deposit requirements, providing a straightforward savings option. In comparison, Betterment's Cash Reserve provides a lower APY of 3.50% with a minimum deposit of just $10 and no minimum balance. Both banks operate online only and are FDIC insured, catering to different customer needs based on deposit amounts.
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.
Top Market Contenders
See who beats both Betterment and BrioDirect.
| Feature | Betterment | BrioDirect |
|---|---|---|
| APY | 3.50% Verified: 12/10/2025 ↘︎ 0.50%90d Change | 4.00% Verified: 12/10/2025 ↘︎ 0.30%90d Change |
| Product Name | Cash Reserve | High-Yield Savings Account |
| Minimum Deposit | $10 | $5,000 |
| Min. Balance for APY | $0 | $25 |
| Monthly Fee | $0 | $0 |
| Branch Access | None | None |
| Account Type | Online Only | Online Only |
| Direct Deposit Req. | None | None |
| Checking Bundle | No | No |
| Mobile Apps | iOS4.8 Android4.7 | iOS4.7 Android4.3 |
| BBB Rating | A- | B- |
| Next Steps |
📈 Compare Savings Rates Over Time
Historical Performance
| Metric | Betterment | BrioDirect |
|---|---|---|
| Cash Reserve | High-Yield Savings Account | |
Current APY | 3.50% | 4.00% |
Trend | Stable | Stable |
Velocity (bps/mo) | -4.1 | -5.4 |
Days Since Change | 39 | 40 |
12-Month High | 4.25% | 4.85% |
12-Month Low | 3.50% | 4.00% |
Adjustments / Mo | 0.25 | 0.67 |
Volatility Score | 0.048 | 0.046 |
How to read these metrics(Click to expand)
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