BrioDirect vs. Capital One
Compare rates, requirements, and features side-by-side to find the best option for you.
| Metric | BrioDirectHigh-Yield Savings Account Jan 21, 2026 | Capital One360 Performance Savings Jan 21, 2026 |
|---|---|---|
| APY | 3.75% | 3.30% |
Est. Earnings | $5,000+$188 $10,000+$375 $25,000+$938 | $5,000+$165 $10,000+$330 $25,000+$825 |
Min Deposit | $5,000 | $0 |
Snapshot view. Rates subject to change. | ||
| Features | FDIC InsuredMod. MinimumGreat iOS AppGreat Android AppZelle® Supported | FDIC InsuredNo MinimumsGreat iOS AppGreat Android AppIn-Person AccessZelle® Supported |
Market Reality Check
Both of these banks offer rates below the current top tier. The best rates we track are currently above 4.20% APY.
Comparison Analysis
Comparing BrioDirect vs. Capital One
As of BrioDirect offers an APY of 3.75% for its High-Yield Savings Account, with a minimum balance of $25, compared to Capital One's 3.30% APY for its 360 Performance Savings account, with a minimum balance of $0.
BrioDirect pays $45 more than Capital One on a $10,000 balance after one year. BrioDirect pays $375, while Capital One pays $330 - an APY advantage for BrioDirect.
Why BrioDirect?
- ✓Higher potential APY (3.75% vs 3.30%)
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. $375 vs $330/yr).
Better Returns at $25,000
BrioDirectBrioDirect's High-Yield Savings Account pulls ahead with larger amounts (approx. $938 vs $825/yr).
Best for Simplicity
BrioDirectBrioDirect's High-Yield Savings Account offers 3.75% 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. 4.4)
Shared Benefits
Over a 1-year period, BrioDirect's High-Yield Savings Account pays $45 more interest on a $10,000 balance than Capital One's 360 Performance Savings.
*This calculation assumes current rates remain consistent for 1 year and does not include temporary bonuses.
Executive Summary as of
BrioDirect offers a competitive High-Yield Savings Account with an APY of 3.75%, making it the winner among the two banks. This account requires a minimum deposit of $5,000 and has no maintenance fees or direct deposit requirements, providing a straightforward savings option. In comparison, Capital One's 360 Performance Savings account offers a lower APY of 3.30% but has the advantage of requiring no minimum deposit or balance. While both accounts are online-only, BrioDirect's higher yield positions it as the better choice for savers looking for higher returns.
The analysis is based on current Banksparency database records
* This content is provided for informational purposes only; always verify details with the provider.
Non-sponsored link to official site
Non-sponsored link to official site
Top Market Contenders
BrioDirect vs. Capital One Savings Calculator
You earn $45 more with BrioDirect than Capital One on a $10,000 initial deposit for 1 year*.
*This calculation assumes that APYs remain unchanged for 1 year, and takes into account known promo rate periods, but does not factor in bonuses. You can see how often these banks have changed their rates in the Compare Savings Rates Over Time section below.
BrioDirect
High-Yield Savings Account
Savings Breakdown
- Interest Earned+$375.00(3.6%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,375.00
Capital One
360 Performance Savings
Savings Breakdown
- Interest Earned+$330.00(3.2%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,330.00
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
| Feature | BrioDirect | Capital One |
|---|---|---|
| APY | 3.75% Verified: 1/21/2026 ↘︎ 0.45%90d Change | 3.30% Verified: 1/21/2026 ↘︎ 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 Android4.4 | iOS4.9 Android4.5 |
| Zelle® Support | Available Accessed via the Webster Bank mobile app. | Available Limit: $2,500/dayAvailable for 360 Checking accounts. |
| BBB Rating | B- | A+ |
| Next Steps | Visit SiteVerify at BrioDirect Non-sponsored link to official site | Visit SiteVerify at Capital One Non-sponsored link to official site |
📈 Compare Savings Rates Over Time
Historical Performance
| Metric | BrioDirect | Capital One |
|---|---|---|
| High-Yield Savings Account | 360 Performance Savings | |
Current APY | 3.75% | 3.30% |
Trend | Stable | Stable |
Velocity (bps/mo) | -6.5 | -3.4 |
Days Since Change | 40 | 13 |
12-Month High | 4.55% | 3.80% |
12-Month Low | 3.75% | 3.30% |
Adjustments / Mo | 0.58 | 0.41 |
Volatility Score | 0.060 | 0.036 |
How to read these metrics(Click to expand)
Compare Similar High-Yield Accounts
Compare BrioDirect vs...
Comparing against Standard Savings
Compare Capital One vs...
Comparing against Standard Savings
High Rates (With Checking Bundle)
Looking for something different? Check out these top-rated alternatives.