BrioDirect vs. Capital One
Compare rates, requirements, and features side-by-side to find the best option for you.
BrioDirect
High-Yield Savings Account
4.00%APYDec 6, 2025FDIC InsuredMod. MinimumGreat iOS AppGreat Android AppShow Fine Print & Trends Hide Details
BrioDirect
High-Yield Savings Account
Capital One
360 Performance Savings
3.40%APYDec 6, 2025FDIC InsuredNo MinimumsGreat iOS AppGreat Android AppIn-Person AccessShow Fine Print & Trends Hide Details
Capital One
360 Performance Savings
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.
Comparison Analysis
Comparing BrioDirect vs. Capital One
Why BrioDirect?
- ✓Higher potential APY (4.00% vs 3.40%) on all balances
Why Capital One?
- ✓Physical branch access (Over 200 branches in Louisiana, Maryland, New Jersey, New York, Texas, Virginia and Washington, D.C.)
— Key Feature Differences —
Better Returns at $10,000
BrioDirectBrioDirect's High-Yield Savings Account earns more on smaller deposits (approx. $400 vs $340/yr).
Better Returns at $25,000
BrioDirectBrioDirect's High-Yield Savings Account pulls ahead with larger amounts (approx. $1000 vs $850/yr).
Best for Simplicity
BrioDirectBrioDirect's High-Yield Savings Account offers 4.00% APY with no bundling, direct deposit requirement or caps.
Best Mobile App Experience
Capital OneCapital One offers an iOS app rated 4.9 (vs. 4.7) and Android app rated 4.5 (vs. 4.3)
Shared Benefits
Over a 1-year period, BrioDirect's High-Yield Savings Account pays $60 more interest on a $10,000 balance than Capital One's 360 Performance Savings.
Executive Summary
BrioDirect offers a competitive High-Yield Savings Account with an APY of 4.00%, making it the superior choice compared to Capital One's 360 Performance Savings, which has an APY of 3.40%. BrioDirect's account requires a minimum deposit of $5,000 but has no maintenance fees or direct deposit requirements, and it compounds daily. In contrast, Capital One's account has no minimum deposit or balance requirements and compounds monthly, but it does not match the higher yield of BrioDirect. Both accounts are online-only, catering to customers looking for digital banking solutions.
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 BrioDirect and Capital One.
| Feature | BrioDirect | Capital One |
|---|---|---|
| APY | 4.00% Verified: 12/6/2025 ↘︎ 0.30%90d Change | 3.40% Verified: 12/6/2025 ↘︎ 0.10%90d Change |
| Product Name | High-Yield Savings Account | 360 Performance Savings |
| Minimum Deposit | $5,000 | $0 |
| Min. Balance for APY | $25 | $0 |
| Monthly Fee | $0 | $0 |
| Branch Access | None | Yes |
| Account Type | Online Only | Online & Branches |
| Direct Deposit Req. | None | None |
| Checking Bundle | No | No |
| Mobile Apps | iOS4.7 Android4.3 | iOS4.9 Android4.5 |
| BBB Rating | B- | A+ |
| Next Steps |
Savings Comparison
BrioDirect earns $384.2 more than Capital One.
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
Capital One
360 Performance Savings
Savings Breakdown
- Interest Earned+$2,050.50(10.2%)
- Total Contributions$13,000
- Initial Deposit$5,000
Projected Balance
$20,050.50
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
📈 Compare Savings Rates Over Time
Historical Performance
| Metric | BrioDirect | Capital One |
|---|---|---|
| High-Yield Savings Account | 360 Performance Savings | |
Current APY | 4.00% | 3.40% |
Trend | Stable | Stable |
Velocity (bps/mo) | -5.0 | -3.6 |
Days Since Change | 36 | 66 |
10-Month High | 4.55% | 3.80% |
10-Month Low | 4.00% | 3.40% |
Adjustments / Mo | 0.57 | 0.38 |
Volatility Score | 0.040 | 0.033 |
How to read these metrics(Click to expand)
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