BrioDirect vs. Citizens Access™
Compare rates, requirements, and features side-by-side to find the best option for you.
BrioDirect
High-Yield Savings Account
4.00%APYDec 6, 2025FDIC InsuredMod. MinimumGreat iOS AppGreat Android AppShow Fine Print & Trends Hide Details
BrioDirect
High-Yield Savings Account
Citizens Access™
Citizens Access® Savings
3.35%APYDec 5, 2025FDIC InsuredNo MinimumsGreat iOS AppGreat Android AppShow Fine Print & Trends Hide Details
Citizens Access™
Citizens Access® Savings
Market Reality Check
Both of these banks offer rates below the current top tier. The best rates we track are currently above 4.25% APY.
Comparison Analysis
Comparing BrioDirect vs. Citizens Access™
Why BrioDirect?
- ✓Higher potential APY (4.00% vs 3.35%) on all balances
Why Citizens Access™?
- ✓Higher rated Android app (4.8 vs 4.3)
— Key Feature Differences —
Better Returns at $10,000
BrioDirectBrioDirect's High-Yield Savings Account earns more on smaller deposits (approx. $400 vs $335/yr).
Better Returns at $25,000
BrioDirectBrioDirect's High-Yield Savings Account pulls ahead with larger amounts (approx. $1000 vs $838/yr).
Best for Simplicity
BrioDirectBrioDirect's High-Yield Savings Account offers 4.00% APY with no bundling, direct deposit requirement or caps.
Best Mobile App Experience
Citizens Access™Citizens Access™ offers an iOS app rated 4.8 (vs. 4.7) and Android app rated 4.8 (vs. 4.3)
Shared Benefits
Over a 1-year period, BrioDirect's High-Yield Savings Account pays $65 more interest on a $10,000 balance than Citizens Access™'s Citizens Access® Savings.
Executive Summary
BrioDirect offers a High-Yield Savings Account with a competitive APY of 4.00%, making it the clear winner for higher returns compared to Citizens Access™, which provides a lower APY of 3.35%. BrioDirect's account requires a minimum deposit of $5,000 but has no maintenance fees or direct deposit requirements, making it accessible for savers looking for simplicity. In contrast, Citizens Access™ has a minimal opening deposit of just $0.01 and also charges no maintenance fees, but its lower yield may not be as attractive for larger balances. Both banks operate online-only, providing convenient access to their savings products.
Analysis generated based on current Banksparency database records
* AI-generated content provided for informational purposes only. Accuracy is not guaranteed; always verify details with the provider.
Top Market Contenders
See who beats both BrioDirect and Citizens Access™.
| Feature | BrioDirect | Citizens Access™ |
|---|---|---|
| APY | 4.00% Verified: 12/6/2025 ↘︎ 0.30%90d Change | 3.35% Verified: 12/5/2025 ↘︎ 0.15%90d Change |
| Product Name | High-Yield Savings Account | Citizens Access® Savings |
| Minimum Deposit | $5,000 | $0.01 |
| Min. Balance for APY | $25 | $0.01 |
| Monthly Fee | $0 | $0 |
| Branch Access | None | None |
| Account Type | Online Only | Online Only |
| Direct Deposit Req. | None | None |
| Checking Bundle | No | No |
| Mobile Apps | iOS4.7 Android4.3 | iOS4.8 Android4.8 |
| BBB Rating | B- | A+ |
| Next Steps |
Savings Comparison
BrioDirect earns $415.9 more than Citizens Access™.
BrioDirect
High-Yield Savings Account
Savings Breakdown
- Interest Earned+$2,434.70(11.9%)
- Total Contributions$13,000
- Initial Deposit$5,000
Projected Balance
$20,434.70
Citizens Access™
Citizens Access® Savings
Savings Breakdown
- Interest Earned+$2,018.80(10.1%)
- Total Contributions$13,000
- Initial Deposit$5,000
Projected Balance
$20,018.80
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
📈 Compare Savings Rates Over Time
Historical Performance
| Metric | BrioDirect | Citizens Access™ |
|---|---|---|
| High-Yield Savings Account | Citizens Access® Savings | |
Current APY | 4.00% | 3.35% |
Trend | Stable | Stable |
Velocity (bps/mo) | -5.0 | -3.8 |
Days Since Change | 36 | 37 |
10-Month High | 4.55% | 3.70% |
10-Month Low | 4.00% | 3.35% |
Adjustments / Mo | 0.58 | 0.19 |
Volatility Score | 0.039 | 0.037 |
How to read these metrics(Click to expand)
Compare Similar High-Yield Accounts
Compare BrioDirect vs...
Comparing against Standard Savings
Compare Citizens Access™ vs...
Comparing against Standard Savings
Higher Rates (With Checking)
Looking for something different? Check out these top-rated alternatives.