Bread Savings vs. BrioDirect
Compare rates, requirements, and features side-by-side to find the best option for you.
Bread Savings
High-Yield Savings Account
4.10%APYDec 10, 2025FDIC InsuredLow MinimumsGreat iOS AppGreat Android AppShow Fine Print & Trends Hide Details
Bread Savings
High-Yield Savings Account
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.
Bread Savings vs. BrioDirect Savings Calculator
Bread Savings earns $64.7 more than BrioDirect.
Bread Savings
High-Yield Savings Account
Savings Breakdown
- Interest Earned+$2,499.40(12.2%)
- Total Contributions$13,000
- Initial Deposit$5,000
Projected Balance
$20,499.40
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 Bread Savings vs. BrioDirect
Why Bread Savings?
No distinct advantages found vs BrioDirect.
Why BrioDirect?
No distinct advantages found vs Bread Savings.
Shared Benefits
Over a 1-year period, Bread Savings's High-Yield Savings Account pays $10 more interest on a $10,000 balance than BrioDirect's High-Yield Savings Account.
*This calculation assumes current rates remain consistent for 1 year and does not include temporary bonuses.
Executive Summary
Bread Savings offers a High-Yield Savings Account with a competitive APY of 4.10%, making it the winner in this comparison. The account requires a minimum deposit of $100 and has no maintenance fees, while also being online-only. In contrast, BrioDirect provides a similar High-Yield Savings Account with a slightly lower APY of 4.00%, requiring a higher minimum deposit of $5,000 and a minimum balance of $25. Both accounts compound daily and are FDIC insured, but Bread Savings stands out with its higher APY.
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 Bread Savings and BrioDirect.
| Feature | Bread Savings | BrioDirect |
|---|---|---|
| APY | 4.10% Verified: 12/10/2025 ↘︎ 0.15%90d Change | 4.00% Verified: 12/10/2025 ↘︎ 0.30%90d Change |
| Product Name | High-Yield Savings Account | High-Yield Savings Account |
| Minimum Deposit | $100 | $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 | iOS4.7 Android4.5 | iOS4.7 Android4.3 |
| BBB Rating | A+ | B- |
| Next Steps |
📈 Compare Savings Rates Over Time
Historical Performance
| Metric | Bread Savings | BrioDirect |
|---|---|---|
| High-Yield Savings Account | High-Yield Savings Account | |
Current APY | 4.10% | 4.00% |
Trend | Stable | Stable |
Velocity (bps/mo) | -2.7 | -5.4 |
Days Since Change | 5 | 40 |
12-Month High | 4.60% | 4.85% |
12-Month Low | 4.10% | 4.00% |
Adjustments / Mo | 0.67 | 0.67 |
Volatility Score | 0.022 | 0.046 |
How to read these metrics(Click to expand)
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