BrioDirect vs. Chime
Compare rates, requirements, and features side-by-side to find the best option for you.
| Metric | BrioDirectHigh-Yield Savings Account Jan 21, 2026 | ChimeChime High-Yield Savings Account Jan 21, 2026 |
|---|---|---|
| APY | 3.75% | 1.00% - 3.50% |
Est. Earnings | $5,000+$188 $10,000+$375 $25,000+$938 | $5,000+$175 $10,000+$350 $25,000+$875 |
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 AppDirect Deposit ReqChecking Bundle |
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. Chime
As of BrioDirect offers an APY of 3.75% for its High-Yield Savings Account, with a minimum balance of $25, compared to Chime's 3.50% APY for its Chime High-Yield Savings Account, with a minimum balance of $0.01.
BrioDirect pays $25 more than Chime on a $10,000 balance after one year. BrioDirect pays $375, while Chime pays $350 - an APY advantage for BrioDirect.
Why BrioDirect?
- ✓Higher potential APY (3.75% vs 3.50%)
- ✓No checking account or direct deposit required
- ✓Fast transfers via Zelle®
Why Chime?
- ✓Higher rated Android app (4.8 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 $350/yr).
Better Returns at $25,000
BrioDirectBrioDirect's High-Yield Savings Account pulls ahead with larger amounts (approx. $938 vs $875/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
ChimeChime offers an iOS app rated 4.8 (vs. 4.7) and Android app rated 4.8 (vs. 4.4)
Shared Benefits
Over a 1-year period, BrioDirect's High-Yield Savings Account pays $25 more interest on a $10,000 balance than Chime's Chime High-Yield Savings Account.
*This calculation assumes current rates remain consistent for 1 year and does not include temporary bonuses.
Executive Summary as of
BrioDirect offers a High-Yield Savings Account with a competitive APY of 3.75%, making it the standout option compared to Chime's High-Yield Savings Account, which provides a lower APY of 3.50%. BrioDirect's account requires a minimum deposit of $5,000 but has no direct deposit requirement, maintenance fees, or caps, making it a straightforward choice for savers. In contrast, Chime's account requires a qualifying direct deposit of $200 or more within the preceding 34 days and has a minimum balance of just $0.01. Both accounts are online-only and FDIC insured.
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. Chime Savings Calculator
You earn $25 more with BrioDirect than Chime 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
Chime
Chime High-Yield Savings Account
Savings Breakdown
- Interest Earned+$350.00(3.4%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,350.00
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
| Feature | BrioDirect | Chime |
|---|---|---|
| APY | 3.75% Verified: 1/21/2026 ↘︎ 0.45%90d Change | 3.50% Range: 1.00% - 3.50% Verified: 1/21/2026 Stable (90d) |
| Product Name | High-Yield Savings Account | Chime High-Yield Savings Account |
| Minimum Deposit | $5,000 | $0 |
| Min. Balance for APY | $25 | $0.01 |
| Monthly Fee | $0 | $0 |
| Branch Access | None | None |
| Account Type | Online Only | Online Only |
| Direct Deposit Req. | None | RequiredYou need to receive a qualifying direct deposit of $200 or more within the preceding 34 days |
| Checking Bundle | No | Yes |
| Mobile Apps | iOS4.7 Android4.4 | iOS4.8 Android4.8 |
| Zelle® Support | Available Accessed via the Webster Bank mobile app. | Not Supported |
| BBB Rating | B- | A+ |
| Next Steps | Visit SiteVerify at BrioDirect Non-sponsored link to official site | Visit SiteVerify at Chime Non-sponsored link to official site |
📈 Compare Savings Rates Over Time
Historical Performance
| Metric | BrioDirect | Chime |
|---|---|---|
| High-Yield Savings Account | Chime High-Yield Savings Account | |
Current APY | 3.75% | 3.50% |
Trend | Stable | Stable |
Velocity (bps/mo) | -6.6 | 8.5 |
Days Since Change | 40 | 97 |
12-Month High | 4.55% | 3.75% |
12-Month Low | 3.75% | 2.00% |
Adjustments / Mo | 0.59 | 0.17 |
Volatility Score | 0.060 | 0.175 |
How to read these metrics(Click to expand)
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