BrioDirect vs. Citibank
Comparing BrioDirect and Citibank for high-yield savings: BrioDirect's High-Yield Savings Account pays 3.75% APY while Citibank's Citi Accelerate Savings pays 3.20% 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 $55 more than Citibank annually ($375 vs $320).
Choose BrioDirect if getting the best rate matters most, or BBB rating matters to you.
Important Considerations
Citibank's Accelerate Savings is only available in select states where Citi has no branch presence. Check eligibility before applying.
| Metric | BrioDirectHigh-Yield Savings Account Feb 21, 2026 | CitibankCiti Accelerate Savings Feb 21, 2026 |
|---|---|---|
| APY | 3.75% | 3.20% |
Est. Earnings | $5,000+$188 $10,000+$375 $25,000+$938 | $5,000+$160 $10,000+$320 $25,000+$800 |
Min Deposit | $5,000 | $0 |
Snapshot view. Rates subject to change. | ||
Terms | - | Eligibility restricted to select states. |
| Features | FDIC InsuredMod. MinimumGreat iOS AppGreat Android AppZelle® SupportedDaily CompoundingRate Changes Often | FDIC InsuredNo MinimumsGreat iOS AppGreat Android AppZelle® SupportedDaily CompoundingRate Changes Often |
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. Citibank
Executive Summary
BrioDirect offers a High-Yield Savings Account with a competitive APY of 3.75%, significantly higher than Citibank's Citi Accelerate Savings, which provides an APY of 3.20%. BrioDirect's account requires a minimum deposit of $5,000 but has no maintenance fees or direct deposit requirements, making it straightforward for savers. In contrast, Citibank's account has a lower APY and a maintenance fee of $4.50, which can be waived with an average monthly balance over $500. Additionally, Citibank's eligibility is restricted to select states, while BrioDirect does not specify any such limitations. Both accounts are online-only, catering to customers looking for digital banking solutions.
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 3.20%)
- ✓Available Nationwide
Why Citibank?
- ✓Physical branch access (U.S. branches are concentrated in six metropolitan areas, New York City, Chicago, Los Angeles, San Francisco, Washington, D.C., and Miami.)
- ✓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 $320/yr).
Better Returns at $25,000
BrioDirectBrioDirect's High-Yield Savings Account pulls ahead with larger amounts (approx. $938 vs $800/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
CitibankCitibank offers an iOS app rated 4.9 (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 $55 more interest on a $10,000 balance than Citibank's Citi Accelerate 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. Citibank Savings Calculator
You earn $55 more with BrioDirect than Citibank 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
Citibank
Citi Accelerate Savings
Savings Breakdown
- Interest Earned+$320.00(3.1%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,320.00
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
Still banking with Chase, Bank of America, or Wells Fargo?
On a $10,000 balance, you're missing out on at least $319 per year in interest.
Both BrioDirect and Citibank dramatically outperform the typical 0.01% APY at traditional big banks.
| Feature | BrioDirect | Citibank |
|---|---|---|
| APY | 3.75% Verified: 2/21/2026 ↘︎ 0.25%90d Change | 3.20% Verified: 2/21/2026 ↘︎ 0.10%90d Change |
| Product Name | High-Yield Savings Account | Citi Accelerate Savings |
| Minimum Deposit | $5,000 | $0 |
| Min. Balance for APY | $25 | $0.01 |
| Monthly Fee | $0 | $4.50. Waived for average monthly balances > $500 |
| Compound Frequency | Daily | Daily |
| Branch Access | None | None |
| Account Type | Online Only | Online Only |
| Physical Branches | None. You cannot make use of Webster Bank's branches. | U.S. branches are concentrated in six metropolitan areas, New York City, Chicago, Los Angeles, San Francisco, Washington, D.C., and Miami. |
| 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: $2,500/dayTiered limits based on account status (Citigold higher). |
| BBB Rating | B- | D- |
| Important Notes | - | Eligibility restricted to select states. |
| Next Steps | Visit SiteVerify at BrioDirect Non-sponsored link to official site | Visit SiteVerify at Citibank Non-sponsored link to official site |
📈 Compare Savings Rates Over Time
Historical Performance
| Metric | BrioDirect | Citibank | |
|---|---|---|---|
| High-Yield Savings Account | Citi® Savings Account | Citi Accelerate Savings | |
Current APY | 3.75% | 0.03% | 3.20% |
Trend | Stable | Stable | Stable |
Velocity (bps/mo) | -7.1 | -0.0 | -4.7 |
Days Since Change | 71 | 365 | 25 |
12-Month High | 4.55% | 0.03% | 3.80% |
12-Month Low | 3.75% | 0.03% | 3.20% |
Adjustments / Mo | 0.58 | 0.00 | 0.58 |
Volatility Score | 0.065 | 0.000 | 0.049 |
How to read these metrics(Click to expand)
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High Rates (With Checking Bundle)
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More Comparisons
Compare BrioDirect's APY of 3.75% with other banks
| Bank Pair | Competitor APY | Min Deposit |
|---|---|---|
| BrioDirect vs Ally Bank | 3.20% | $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 | 3.85% | $0 |
| BrioDirect vs Capital One | 3.30% | $0 |
| BrioDirect vs Chase Bank | 0.01% | $0 |
| BrioDirect vs Chime | 3.00% | $0 |
| BrioDirect vs CIT Bank | 3.75% | $100 |
| 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 |