BrioDirect vs. Chase Bank
Comparing BrioDirect and Chase Bank for savings: BrioDirect's High-Yield Savings Account pays 3.75% APY while Chase Bank's Chase Savings℠ pays 0.01% APY.
See how they compare on rate stability, mobile app ratings, and more below.
The Bottom Line
Who pays more interest on $10,000? BrioDirect pays $374 more than Chase Bank annually ($375 vs $1).
Choose BrioDirect if getting the best rate matters most. Choose Chase Bank if BBB rating matters to you, or you value in-person banking.
| Metric | BrioDirectHigh-Yield Savings Account Feb 17, 2026 | Chase BankChase Savings℠ Feb 17, 2026 |
|---|---|---|
| APY | 3.75% | 0.01% |
Est. Earnings | $5,000+$188 $10,000+$375 $25,000+$938 | $5,000+$1 $10,000+$1 $25,000+$3 |
Min Deposit | $5,000 | $0 |
Snapshot view. Rates subject to change. | ||
Terms | - | APY may vary by market. The maintenance fee may be waived under some circumstances, such as if the account balance is maintained with at least $300 each day, or you set up automatic transfers from a linked Chase account, etc. |
| Features | FDIC InsuredMod. MinimumGreat iOS AppGreat Android AppZelle® SupportedDaily CompoundingRate Changes Often | FDIC InsuredNo MinimumsGreat iOS AppGreat Android AppIn-Person AccessZelle® SupportedStable Rate |
Market Reality Check
Both of these banks offer rates below the current top tier. The best rates we track are currently above 4.15% APY.
Comparison Analysis
Comparing BrioDirect vs. Chase Bank
Executive Summary
BrioDirect offers a High-Yield Savings Account with a competitive APY of 3.75%, making it a strong choice for savers, especially with its no maintenance fees and no direct deposit requirements. In contrast, Chase Bank's savings account provides a significantly lower APY of just 0.01%, though it has no minimum deposit and a mobile app rated highly for user experience. BrioDirect's account is online-only and requires a minimum deposit of $5,000, while Chase's account has a $5 maintenance fee that can be waived under certain conditions. Overall, BrioDirect stands out as the more advantageous option 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.
Why BrioDirect?
- ✓Higher potential APY (3.75% vs 0.01%)
- ✓No checking account or direct deposit required
Why Chase Bank?
- ✓Physical branch access (Chase has more than 5,000 branches in nearly all of the United States, but not in Alaska and Hawaii.)
- ✓Higher rated Android app (4.7 vs 4.4)
— Key Feature Differences —
Better Returns at $10,000
BrioDirectBrioDirect's High-Yield Savings Account earns more on smaller deposits (approx. $375 vs $1/yr).
Better Returns at $25,000
BrioDirectBrioDirect's High-Yield Savings Account pulls ahead with larger amounts (approx. $938 vs $3/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
Chase BankChase Bank offers an iOS app rated 4.8 (vs. 4.7) and Android app rated 4.7 (vs. 4.4)
Shared Benefits
Over a 1-year period, BrioDirect's High-Yield Savings Account pays $374 more interest on a $10,000 balance than Chase Bank's Chase Savings℠.
*This calculation assumes current rates remain consistent for 1 year and does not include temporary bonuses.
Non-sponsored link to official site
Non-sponsored link to official site
Top Market Contenders
BrioDirect vs. Chase Bank Savings Calculator
You earn $374 more with BrioDirect than Chase Bank 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
Chase Bank
Chase Savings℠
Savings Breakdown
- Interest Earned+$1.00(0.0%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,001.00
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
| Feature | BrioDirect | Chase Bank |
|---|---|---|
| APY | 3.75% Verified: 2/17/2026 ↘︎ 0.25%90d Change | 0.01% Verified: 2/17/2026 Stable (90d) |
| Product Name | High-Yield Savings Account | Chase Savings℠ |
| Minimum Deposit | $5,000 | $0 |
| Min. Balance for APY | $25 | $0 |
| Monthly Fee | $0 | $5 |
| Compound Frequency | Daily | Monthly |
| Branch Access | None | Yes |
| Account Type | Online Only | Online & Branches |
| Physical Branches | None. You cannot make use of Webster Bank's branches. | Chase has more than 5,000 branches in nearly all of the United States, but not in Alaska and Hawaii. |
| Direct Deposit Req. | None | None |
| Checking Bundle | No | No |
| Mobile Apps | ||
| FDIC Insured | YesVerify FDIC | YesVerify FDIC |
| Zelle® Support | Available Accessed via the Webster Bank mobile app. | Available Limit: $2,000/dayBranded as Chase QuickPay; dynamic limits up to $10k. |
| BBB Rating | B- | A- |
| Important Notes | - | APY may vary by market. The maintenance fee may be waived under some circumstances, such as if the account balance is maintained with at least $300 each day, or you set up automatic transfers from a linked Chase account, etc. |
| Next Steps | Visit SiteVerify at BrioDirect Non-sponsored link to official site | Visit SiteVerify at Chase Bank Non-sponsored link to official site |
📈 Compare Savings Rates Over Time
Historical Performance
| Metric | BrioDirect | Chase Bank |
|---|---|---|
| High-Yield Savings Account | Chase Savings℠ | |
Current APY | 3.75% | 0.01% |
Trend | Stable | Stable |
Velocity (bps/mo) | -7.0 | -0.0 |
Days Since Change | 67 | 364 |
12-Month High | 4.55% | 0.01% |
12-Month Low | 3.75% | 0.01% |
Adjustments / Mo | 0.58 | 0.00 |
Volatility Score | 0.065 | 0.000 |
How to read these metrics(Click to expand)
Compare Similar Savings Accounts
Compare BrioDirect vs...
Comparing against Standard Savings
Compare Chase Bank vs...
Comparing against Standard Savings
High Rates (With Checking Bundle)
Looking for something different? Check out these top-rated alternatives.
More Comparisons
Compare BrioDirect's APY of 3.75% with other banks
| Bank Pair | Competitor APY | Min Deposit |
|---|---|---|
| BrioDirect vs Ally Bank | 3.30% | $0 |
| BrioDirect vs American Express | 3.30% | $0 |
| BrioDirect vs Axos Bank | 4.21% | $0 |
| BrioDirect vs Bank of America | 0.01% | $100 |
| BrioDirect vs Barclays | 4.00% | $0 |
| BrioDirect vs Capital One | 3.30% | $0 |
| BrioDirect vs Chime | 3.00% | $0 |
| BrioDirect vs CIT Bank | 3.75% | $100 |
| BrioDirect vs Citibank | 3.20% | $0 |
| BrioDirect vs Discover Bank | 3.30% | $0 |
| BrioDirect vs EverBank | 3.90% | $0 |
| BrioDirect vs Marcus by Goldman Sachs | 3.65% | $0 |
| BrioDirect vs Newtek Bank | 4.20% | $0.01 |
| BrioDirect vs Openbank | 4.09% | $500 |
| BrioDirect vs Pibank | 4.60% | $0 |
| BrioDirect vs SoFi Bank | 4.00% | $0 |
| BrioDirect vs Synchrony Bank | 3.50% | $0 |
| BrioDirect vs Varo Bank | 5.00% | $0 |
| BrioDirect vs Wealthfront | 3.95% | $0 |
| BrioDirect vs Wells Fargo | 0.05% | $25 |