Briodirect vs. Citizens Access
High-Yield Savings Account Comparison
By Aviel Fahl|Last Updated: November 16, 2025
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Summary of BrioDirect vs. Citizens Access™
Key Metrics at a Glance
| Feature | BrioDirect | Citizens Access™ |
|---|---|---|
| Top Savings APY | 4.00% High-Yield Savings Account | 3.35% Citizens Access® Savings |
| Minimum to Open | $5,000 | $0.01 |
| Minimum Balance for Top APY | $25 | $0.01 |
BrioDirect
Strengths
- BrioDirect offers a higher APY of 4.00% compared to Citizens Access's 3.35%.
- BrioDirect's High-Yield Savings Account has no maintenance fees.
- BrioDirect has a solid App Store rating of 4.7.
Potential Drawbacks
- BrioDirect has a lower BBB rating of B- and is not BBB Accredited.
- BrioDirect requires a minimum deposit of $5,000 to open an account.
- BrioDirect's Google Play rating is lower at 4.3 compared to Citizens Access.
Citizens Access™
Strengths
- Citizens Access has a higher BBB rating of A+ and is BBB Accredited.
- Citizens Access requires a minimal deposit of only $0.01 to open an account.
- Citizens Access boasts a high App Store and Google Play rating of 4.8.
Potential Drawbacks
- Citizens Access's APY decreased from 3.50% to 3.35% in the last 30 days.
- Citizens Access has a lower APY than BrioDirect.
- Citizens Access has no branches available for in-person banking.
→ As of November 16, 2025 BrioDirect offers an APY of 4.00% for its High-Yield Savings Account, with a minimum balance of $25, compared to Citizens Access™'s 3.35% APY for its Citizens Access® Savings account, with a minimum balance of $0.01.
→ BrioDirect yields $65 more than Citizens Access™ on a $10,000 balance after one year. BrioDirect pays $400, while Citizens Access™ pays $335 - an APY advantage for BrioDirect.
Calculate Savings Growth for BrioDirect vs Citizens Access™
BrioDirect - High-Yield Savings Account
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
Total balance: $20,434.7
Earnings: $2,434.7
Bank OverviewCitizens Access™ - Citizens Access® Savings
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
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 Citizens Access™'s total earnings.
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
Compare BrioDirect's vs Citizens Access™'s Savings Accounts
| BrioDirect | Citizens Access™ | ||
|---|---|---|---|
| Product | High-Yield Savings Account | vs | Citizens Access® Savings |
| APY | 4.00% (as of 11/16/2025) | 3.35% (as of 11/16/2025) | |
| Bundled Account | No | No | |
| FDIC-insured | Yes | Yes | |
| Online Only | Yes | Yes | |
| Compound Frequency | Daily | Daily | |
| Minimum Deposit | $5,000 | $0.01 | |
| Minimum Balance for APY | $25 | $0.01 | |
| Maintenance Fee | $0 | $0 | |
| Direct Deposit Required | No | No | |
| App Store Rating | 4.7/5 | 4.8/5 | |
| Google Play Rating | 4.3/5 | 4.8/5 | |
| BBB Rating | B- | A+ |
Comparative Historical APY Insights (Last 10 Months)
| BrioDirect | Citizens Access™ | ||
|---|---|---|---|
| Product | High-Yield Savings Account | vs | Citizens Access® Savings |
| Latest APY | 4.00 % | 3.35 % | |
| Trend | Sideways | Sideways | |
| Slope (bps/mo) | -4.6 | -3.6 | |
| Rate Changes / Mo | 0.61 | 0.20 | |
| Days Since Last Change | 16 | 17 | |
| High (-10 m) | 4.55 % | 3.70 % | |
| Low (-10 m) | 4.00 % | 3.35 % | |
| Draw-down from High | -12.1 % | -9.5 % | |
| Volatility (CV) | 0.034 | 0.034 |
APY Insights Glossary
- Latest APY
- Most recent advertised annual-percentage yield.
- Trend
- Direction over the last 10 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 (-10 m)
- Highest APY in the last 293 days.
- Low (-10 m)
- Lowest APY in the last 293 days.
- Draw-down from High
- How far today sits below the 10-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.