Briodirect vs. Citibank
High-Yield Savings Account Comparison
By Aviel Fahl|Last Updated: November 12, 2025
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Summary of BrioDirect vs. Citibank
Key Metrics at a Glance
| Feature | BrioDirect | Citibank |
|---|---|---|
| Top Savings APY | 4.00% High-Yield Savings Account | 3.35% Citi Accelerate Savings |
| Minimum to Open | $5,000 | $0 |
| Minimum Balance for Top APY | $25 | $0.01 |
BrioDirect
Strengths
- BrioDirect offers a higher APY of 4.00% compared to Citibank's 3.35%.
- BrioDirect has no maintenance fees, while Citibank charges $4.50 unless waived.
- BrioDirect's App Store rating is 4.7, higher than Citibank's 4.9.
Potential Drawbacks
- BrioDirect has a lower BBB rating of B- compared to Citibank's D-.
- BrioDirect requires a minimum deposit of $5,000, while Citibank has no minimum.
- BrioDirect has no physical branches, limiting in-person banking options.
Citibank
Strengths
- Citibank has a wider branch network in major U.S. cities.
- Citibank's Google Play rating is 4.8, slightly higher than BrioDirect's 4.3.
- Citibank's Citi Accelerate Savings APY increased from 3.40% to 3.35%.
Potential Drawbacks
- Citibank's high-yield savings account APY of 3.35% is lower than BrioDirect's 4.00%.
- Citibank charges a maintenance fee of $4.50 unless certain conditions are met.
- Citibank has a lower BBB rating of D- and is not accredited.
Summary: BrioDirect's high-yield savings account offers a significantly higher APY of 4.00% compared to Citibank's 3.35%. However, BrioDirect requires a $5,000 minimum deposit and lacks physical branches, while Citibank has a broader branch network and no minimum deposit requirement. Citibank's maintenance fee may deter some customers, whereas BrioDirect has no fees. Both banks are not BBB accredited, but BrioDirect holds a higher BBB rating.
→ As of November 12, 2025 BrioDirect offers an APY of 4.00% for its High-Yield Savings Account, with a minimum balance of $25, compared to Citibank's 3.35% APY for its Citi Accelerate Savings account, with a minimum balance of $0.01.
→ BrioDirect yields $65 more than Citibank on a $10,000 balance after one year. BrioDirect pays $400, while Citibank pays $335 - an APY advantage for BrioDirect.
→ In addition, Citibank also offers 0.03% APY for the Citi® Savings Account account.
Calculate Savings Growth for BrioDirect vs Citibank
All calculations are based on APY.
BrioDirect - High-Yield Savings Account
Top APY: 4.00%
Total savings breakdown:
- Interest earned: $2,434.7 (11.91%)
- Total contributions: $13,000 (63.62%)
- Initial deposit: $5,000 (24.47%)
Your total balance
$20,434.70
Effective APY: 4.00% (based on your deposit and contributions)
Total balance: $20,434.7
Earnings: $2,434.7
Bank OverviewCitibank - Citi Accelerate Savings
Top APY: 3.35%
Total savings breakdown:
- Interest earned: $2,018.8 (10.08%)
- Total contributions: $13,000 (64.94%)
- Initial deposit: $5,000 (24.98%)
Your total balance
$20,018.80
Effective APY: 3.35% (based on your deposit and contributions)
Total balance: $20,018.8
Earnings: $2,018.8
Bank OverviewWith a $5,000 initial deposit and $13,000 in total contributions over 5 years, BrioDirect's total earnings would be $415.9 higher than Citibank's total earnings.
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
Compare BrioDirect's vs Citibank's Savings Accounts
| BrioDirect | Citibank | |||
|---|---|---|---|---|
| Product | High-Yield Savings Account | vs | Citi Accelerate Savings | Citi® Savings Account |
| APY | 4.00% (as of 11/12/2025) | 3.35% (as of 11/12/2025) | 0.03% (as of 11/12/2025) | |
| Bundled Account | No | No | No | |
| FDIC-insured | Yes | Yes | Yes | |
| Online Only | Yes | Yes | No | |
| Compound Frequency | Daily | Daily | Daily | |
| Minimum Deposit | $5,000 | $0 | $0 | |
| Minimum Balance for APY | $25 | $0.01 | $0.01 | |
| Maintenance Fee | $0 | $4.50. Waived for average monthly balances > $500 | $4.50. Waived for average monthly balances > $500 | |
| Direct Deposit Required | No | No | No | |
| Eligibility | United States | Alaska, Alabama, Arkansas, Arizona, Colorado, Delaware, Florida (select parts), Georgia, Hawaii, Iowa, Idaho, Illinois (select parts), Indiana, Kansas, Kentucky, Louisiana, Maine, Michigan, Minnesota, Missouri, Mississippi, Montana, North Carolina, North Dakota, Nebraska, New Hampshire, New Mexico, Ohio, Oklahoma, Oregon, Pennsylvania, Rhode Island, South Carolina, South Dakota, Tennessee, Texas, Utah, Virginia (partial), Washington (partial), Wisconsin, West Virginia, Wyoming. | California, Connecticut, Maryland, Nevada, New Jersey, New York, Virginia (partial), Washington D.C., and select parts of Florida and Illinois. In addition, promotional rates may be available if requirements are met. | |
| App Store Rating | 4.7/5 | 4.9/5 | ||
| Google Play Rating | 4.3/5 | 4.8/5 | ||
| BBB Rating | B- | D- | ||
Comparative Historical APY Insights (Last 9 Months)
| BrioDirect | Citibank | |||
|---|---|---|---|---|
| Product | High-Yield Savings Account | vs | Citi® Savings Account | Citi Accelerate Savings |
| Latest APY | 4.00 % | 0.03 % | 3.35 % | |
| Trend | Sideways | Sideways | Sideways | |
| Slope (bps/mo) | -4.5 | 0.0 | -4.8 | |
| Rate Changes / Mo | 0.62 | 0.00 | 0.52 | |
| Days Since Last Change | 13 | 289 | 9 | |
| High (-9 m) | 4.55 % | 0.03 % | 3.80 % | |
| Low (-9 m) | 4.00 % | 0.03 % | 3.35 % | |
| Draw-down from High | -12.1 % | 0.0 % | -11.8 % | |
| Volatility (CV) | 0.032 | 0.000 | 0.039 | |
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 289 days.
- Low (-9 m)
- Lowest APY in the last 289 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.