BrioDirect vs. Chime
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
Chime
Chime High-Yield Savings Account
Up to3.50%APYDec 6, 2025FDIC InsuredDirect Deposit ReqChecking BundleNo MinimumsGreat iOS AppGreat Android AppRange: 1.00% – 3.50%Show Fine Print & Trends Hide Details
Chime
Chime 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.
Comparison Analysis
Comparing BrioDirect vs. Chime
Why BrioDirect?
- ✓Higher potential APY (4.00% vs 3.50%) on all balances
- ✓No checking account or direct deposit required
Why Chime?
- ✓Higher rated Android app (4.7 vs 4.3)
— Key Feature Differences —
Better Returns at $10,000
BrioDirectBrioDirect's High-Yield Savings Account earns more on smaller deposits (approx. $400 vs $350/yr).
Better Returns at $25,000
BrioDirectBrioDirect's High-Yield Savings Account pulls ahead with larger amounts (approx. $1000 vs $875/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
ChimeChime offers an iOS app rated 4.8 (vs. 4.7) and Android app rated 4.7 (vs. 4.3)
Shared Benefits
Over a 1-year period, BrioDirect's High-Yield Savings Account pays $50 more interest on a $10,000 balance than Chime's Chime High-Yield Savings Account.
Executive Summary
BrioDirect offers a High-Yield Savings Account with a competitive APY of 4.00%, making it the clear winner in this comparison. This account has no direct deposit requirement, no maintenance fees, and allows for a minimum deposit of $5,000, making it appealing for those looking to earn higher interest without complex conditions. In contrast, Chime's High-Yield Savings Account provides a lower APY of 3.50% and requires a qualifying direct deposit of $200 within the preceding 34 days. While Chime boasts a strong mobile app experience, BrioDirect's account stands out for its simplicity and higher returns.
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 Chime.
| Feature | BrioDirect | Chime |
|---|---|---|
| APY | 4.00% Verified: 12/6/2025 ↘︎ 0.30%90d Change | 3.50% Range: 1.00% - 3.50% Verified: 12/6/2025 ↘︎ 0.25%90d Change |
| 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 Android4.3 | iOS4.8 Android4.7 |
| BBB Rating | B- | A+ |
| Next Steps |
Savings Comparison
BrioDirect earns $320.6 more than Chime.
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
Chime
Chime High-Yield Savings Account
Savings Breakdown
- Interest Earned+$2,114.10(10.5%)
- Total Contributions$13,000
- Initial Deposit$5,000
Projected Balance
$20,114.10
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 | Chime |
|---|---|---|
| High-Yield Savings Account | Chime High-Yield Savings Account | |
Current APY | 4.00% | 3.50% |
Trend | Stable | Stable |
Velocity (bps/mo) | -5.1 | 12.3 |
Days Since Change | 36 | 51 |
10-Month High | 4.55% | 3.75% |
10-Month Low | 4.00% | 2.00% |
Adjustments / Mo | 0.58 | 0.19 |
Volatility Score | 0.039 | 0.193 |
How to read these metrics(Click to expand)
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