BrioDirect vs. Citibank
Compare rates, requirements, and features side-by-side to find the best option for you.
| Metric | BrioDirectHigh-Yield Savings Account Jan 7, 2026 | CitibankCiti Accelerate Savings Jan 7, 2026 |
|---|---|---|
| APY | 3.75% | 3.30% |
Est. Earnings | $5,000+$188 $10,000+$375 $25,000+$938 | $5,000+$165 $10,000+$330 $25,000+$825 |
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® Supported | FDIC InsuredNo MinimumsGreat iOS AppGreat Android AppZelle® Supported |
Market Reality Check
Both of these banks offer rates below the current top tier. The best rates we track are currently above 4.21% APY.
Comparison Analysis
Comparing BrioDirect vs. Citibank
As of BrioDirect offers an APY of 3.75% for its High-Yield Savings Account, with a minimum balance of $25, compared to Citibank's 3.30% APY for its Citi Accelerate Savings account, with a minimum balance of $0.01.
BrioDirect pays $45 more than Citibank on a $10,000 balance after one year. BrioDirect pays $375, while Citibank pays $330 - an APY advantage for BrioDirect.
In addition, Citibank also offers 0.03% APY for the Citi® Savings Account account, with a minimum balance of $0.01.
Why BrioDirect?
- ✓Higher potential APY (3.75% vs 3.30%)
- ✓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 $330/yr).
Better Returns at $25,000
BrioDirectBrioDirect's High-Yield Savings Account pulls ahead with larger amounts (approx. $938 vs $825/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 $45 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.
Executive Summary as of
BrioDirect offers a competitive High-Yield Savings Account with an APY of 3.75%, making it the leading option compared to Citibank's Citi Accelerate Savings, which has an APY of 3.30%. BrioDirect's account requires a minimum deposit of $5,000 but has no direct deposit requirement or maintenance fees, and it is exclusively online. In contrast, Citibank's account has no minimum deposit requirement but is restricted to select states. While Citibank excels in mobile app experience, BrioDirect stands out for its higher returns, particularly beneficial for larger deposits.
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. Citibank Savings Calculator
You earn $45 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+$330.00(3.2%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,330.00
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
| Feature | BrioDirect | Citibank |
|---|---|---|
| APY | 3.75% Verified: 1/7/2026 ↘︎ 0.45%90d Change | 3.30% Verified: 1/7/2026 ↘︎ 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 |
| Branch Access | None | None |
| Account Type | Online Only | Online Only |
| Direct Deposit Req. | None | None |
| Checking Bundle | No | No |
| Mobile Apps | iOS4.7 Android4.4 | iOS4.9 Android4.8 |
| 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% | 3.30% |
Trend | Stable | Stable | Stable |
Velocity (bps/mo) | -6.3 | 0.0 | -4.8 |
Days Since Change | 26 | 343 | 50 |
11-Month High | 4.55% | 0.03% | 3.80% |
11-Month Low | 3.75% | 0.03% | 3.30% |
Adjustments / Mo | 0.61 | 0.00 | 0.52 |
Volatility Score | 0.055 | 0.000 | 0.047 |
How to read these metrics(Click to expand)
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