Briodirect vs. Chime
High-Yield Savings Account Comparison
By Aviel Fahl|Last Updated: October 21, 2025
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Summary of BrioDirect vs. Chime
Key Metrics at a Glance
| Feature | BrioDirect | Chime |
|---|---|---|
| Top Savings APY | 4.20% High-Yield Savings Account | 3.50% Chime Savings Account |
| Minimum to Open | $5,000 | $0 |
| Minimum Balance for Top APY | $25 | $0.01 |
| Note | Chime® is a financial technology company, not a bank. Banking services provided by The Bancorp Bank, N.A. or Stride Bank, N.A., Members FDIC. To open a savings account you must first open a checking account. To qualify for Chime+ with the 3.50% APY, you must have a Chime Checking account and receive a direct deposit of at least $200. Otherwise, the APY is 1.00%. |
BrioDirect
Strengths
- BrioDirect offers a higher APY of 4.20% compared to Chime's 3.50%.
- No maintenance fees for BrioDirect's High-Yield Savings Account.
- BrioDirect has a solid App Store rating of 4.7.
Potential Drawbacks
- BrioDirect's BBB rating is B- and it is not accredited.
- Requires a minimum deposit of $5,000 to open the account.
- The APY decreased from 4.30% in the last 30 days.
Chime
Strengths
- Chime has an excellent BBB rating of A+.
- No minimum deposit requirement to open a Chime Savings Account.
- Chime has a higher Google Play rating of 4.7.
Potential Drawbacks
- Chime's APY is lower at 3.50%, down from 3.75% last month.
- Requires a qualifying direct deposit to earn the listed APY.
- Chime's High-Yield Savings Account must be linked to a checking account.
Summary: BrioDirect offers a higher APY of 4.20% with no maintenance fees, but has a lower BBB rating and requires a $5,000 minimum deposit. Chime, while having a lower APY of 3.50%, boasts an A+ BBB rating and no minimum deposit requirement, but requires a qualifying direct deposit to access the higher APY. Both banks operate online-only with strong app ratings.
→ As of October 21, 2025 BrioDirect offers an APY of 4.20% for its High-Yield Savings Account, with a minimum balance of $25, compared to Chime's 3.50% APY for its Chime Savings Account, with a minimum balance of $0.01.
→ BrioDirect yields $70 more than Chime on a $10,000 balance after one year. BrioDirect pays $420, while Chime pays $350 - an APY advantage for BrioDirect.
Calculate Savings Growth for BrioDirect vs Chime
All calculations are based on APY.
BrioDirect - High-Yield Savings Account
Top APY: 4.20%
Total savings breakdown:
- Interest earned: $2,564.3 (12.47%)
- Total contributions: $13,000 (63.22%)
- Initial deposit: $5,000 (24.31%)
Your total balance
$20,564.30
Effective APY: 4.20% (based on your deposit and contributions)
Total balance: $20,564.3
Earnings: $2,564.3
Bank OverviewChime - Chime Savings Account
Top APY: 3.50%
Total savings breakdown:
- Interest earned: $2,114.1 (10.51%)
- Total contributions: $13,000 (64.63%)
- Initial deposit: $5,000 (24.86%)
Your total balance
$20,114.10
Effective APY: 3.50% (based on your deposit and contributions)
Total balance: $20,114.1
Earnings: $2,114.1
Bank OverviewWith a $5,000 initial deposit and $13,000 in total contributions over 5 years, BrioDirect's total earnings would be $450.2 higher than Chime's total earnings.
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
Compare BrioDirect's vs Chime's Savings Accounts
| BrioDirect | Chime | ||
|---|---|---|---|
| Product | High-Yield Savings Account | vs | Chime Savings Account |
| APY | 4.20% (as of 10/21/2025) | 1.00% - 3.50% (as of 10/21/2025) | |
| Bundled Account | No | Yes | |
| FDIC-insured | Yes | Yes | |
| Online Only | Yes | Yes | |
| Compound Frequency | Daily | Daily | |
| Minimum Deposit | $5,000 | $0 | |
| Minimum Balance for APY | $25 | $0.01 | |
| Maintenance Fee | $0 | $0 | |
| Direct Deposit Required | No | Yes. You need to receive a qualifying direct deposit of $200 or more within the preceding 34 days | |
| Note | Chime® is a financial technology company, not a bank. Banking services provided by The Bancorp Bank, N.A. or Stride Bank, N.A., Members FDIC. To open a savings account you must first open a checking account. To qualify for Chime+ with the 3.50% APY, you must have a Chime Checking account and receive a direct deposit of at least $200. Otherwise, the APY is 1.00%. | ||
| App Store Rating | 4.7/5 | 4.8/5 | |
| Google Play Rating | 4.3/5 | 4.7/5 | |
| BBB Rating | B- | A+ |
Comparative Historical APY Insights (Last 9 Months)
| BrioDirect | Chime | ||
|---|---|---|---|
| Product | High-Yield Savings Account | vs | Chime Savings Account |
| Latest APY | 4.20 % | 3.50 % | |
| Trend | Sideways | Rising | |
| Slope (bps/mo) | -3.9 | 20.2 | |
| Rate Changes / Mo | 0.57 | 0.23 | |
| Days Since Last Change | 14 | 5 | |
| High (-9 m) | 4.55 % | 3.75 % | |
| Low (-9 m) | 4.20 % | 2.00 % | |
| Draw-down from High | -7.7 % | -6.7 % | |
| Volatility (CV) | 0.025 | 0.217 |
APY Insights Glossary
- Latest APY
- Most recent advertised annual-percentage yield.
- Trend
- Direction over the last 9 months (regression slope).
- Slope (bps/mo)
- Average monthly change; 10 bps = 0.10 pp.
- Rate Changes / Mo
- Typical number of APY moves per month.
- Days Since Last Change
- Recency of the latest APY adjustment.
- High (-9 m)
- Highest APY in the last 264 days.
- Low (-9 m)
- Lowest APY in the last 264 days.
- Draw-down from High
- How far today sits below the 9-month peak.
- Volatility (CV)
- Coefficient of variation = stdev ÷ mean.
Why Track Savings-Account APYs?
- See how quickly a bank reacts to Fed moves or competition.
- Gauge “twitchiness” - frequent moves can annoy savers.
- Spot if you're buying near a peak (draw-down) or riding a rise.
- Slope (bps/mo) shows speed of change.
- Volatility (CV) scales jumps by average level.
More Comparisons
Compare BrioDirect's APY of 4.20% with other banks
Compare Chime's APY of 3.50% with other banks
| Bank Pair | Competitor APY | Min Deposit |
|---|---|---|
| Chime vs Ally Bank | 3.40% | $0 |
| Chime vs American Express | 3.50% | $0 |
| Chime vs Axos Bank | 4.51% | $0 |
| Chime vs Bank of America | 0.01% | $100 |
| Chime vs Barclays | 4.10% | $0 |
| Chime vs Bask Bank | 4.05% | $0 |
| Chime vs Capital One | 3.40% | $0 |
| Chime vs Chase Bank | 0.01% | $0 |
| Chime vs CIT Bank | 3.85% | $100 |
| Chime vs Citizens Access™ | 3.50% | $0.01 |
| Chime vs Discover Bank | 3.40% | $0 |
| Chime vs Elevault | 4.34% | $0 |
| Chime vs EverBank | 4.05% | $0 |
| Chime vs Fitness Bank | 4.75% | $100 |
| Chime vs FNBO Direct | 3.00% | $1 |
| Chime vs FVCbank | 4.10% | $500 |
| Chime vs GO2bank | 4.50% | $0 |
| Chime vs LendingClub | 4.20% | $0 |
| Chime vs Marcus by Goldman Sachs | 3.65% | $0 |
| Chime vs Neighbors Bank | 4.50% | $0 |
| Chime vs Newtek Bank | 4.35% | $0 |
| Chime vs Peak Bank | 4.20% | $100 |
| Chime vs Pibank | 4.60% | $0 |
| Chime vs Presidential Bank | 4.50% | $5,000 |
| Chime vs Santander Bank | 0.01% | $25 |
| Chime vs SoFi Bank | 4.50% | $0 |
| Chime vs Synchrony Bank | 3.80% | $0 |
| Chime vs TIMBR | 4.40% | $1,000 |
| Chime vs UFB Direct | 3.96% | $5000 |
| Chime vs Valley Direct | 4.10% | $1,000 |
| Chime vs Varo Bank | 5.00% | $0 |
| Chime vs Wells Fargo | 0.05% | $25 |
| Chime vs Zynlo Bank | 4.20% | $10 |