Briodirect vs. Citizens Access
High-Yield Savings Account Comparison
By Aviel Fahl|Last Updated: October 16, 2025
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Summary of BrioDirect vs. Citizens Access™
Key Metrics at a Glance
| Feature | BrioDirect | Citizens Access™ |
|---|---|---|
| Top Savings APY | 4.20% High-Yield Savings Account | 3.50% 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 4.20% compared to Citizens Access's 3.50%.
- BrioDirect has no maintenance fees for its High-Yield Savings Account.
- BrioDirect's app ratings are strong with 4.7 on App Store and 4.3 on Google Play.
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 the account.
- BrioDirect's APY decreased from 4.30% to 4.20% in the last 30 days.
Citizens Access™
Strengths
- Citizens Access has an excellent BBB rating of A+.
- Citizens Access requires only a $0.01 minimum deposit and balance.
- Citizens Access has high app ratings of 4.8 on both App Store and Google Play.
Potential Drawbacks
- Citizens Access offers a lower APY of 3.50% compared to BrioDirect's 4.20%.
- Citizens Access also has no branches available for in-person banking.
- Citizens Access's APY has remained unchanged at 3.50% over the last 30 days.
→ As of October 16, 2025 BrioDirect offers an APY of 4.20% for its High-Yield Savings Account, with a minimum balance of $25, compared to Citizens Access™'s 3.50% APY for its Citizens Access® Savings account, with a minimum balance of $0.01.
→ BrioDirect yields $70 more than Citizens Access™ on a $10,000 balance after one year. BrioDirect pays $420, while Citizens Access™ pays $350 - an APY advantage for BrioDirect.
Calculate Savings Growth for BrioDirect vs Citizens Access™
BrioDirect
Total savings breakdown:
- Interest earned: $2,564.3 (12.47%)
- Total contributions: $13,000 (63.22%)
- Initial deposit: $5,000 (24.31%)
Your total balance
$20,564.30
Total balance: $20,564.3
Earnings: $2,564.3
Bank OverviewCitizens Access™
Total savings breakdown:
- Interest earned: $2,114.1 (10.51%)
- Total contributions: $13,000 (64.63%)
- Initial deposit: $5,000 (24.86%)
Your total balance
$20,114.10
Total balance: $20,114.1
Earnings: $2,114.1
Bank OverviewWith a $5,000 initial deposit and $13,000 in total contributions over 5 years, BrioDirect's total earnings would be $450.2 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 | 4.20% (as of 10/16/2025) | 3.50% (as of 10/16/2025) | |
| 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 9 Months)
| BrioDirect | Citizens Access™ | ||
|---|---|---|---|
| Product | High-Yield Savings Account | vs | Citizens Access® Savings |
| Latest APY | 4.20 % | 3.50 % | |
| Trend | Sideways | Sideways | |
| Slope (bps/mo) | -3.9 | -2.9 | |
| Rate Changes / Mo | 0.57 | 0.11 | |
| Days Since Last Change | 9 | 78 | |
| High (-9 m) | 4.55 % | 3.70 % | |
| Low (-9 m) | 4.20 % | 3.50 % | |
| Draw-down from High | -7.7 % | -5.4 % | |
| Volatility (CV) | 0.025 | 0.025 |
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 262 days.
- Low (-9 m)
- Lowest APY in the last 262 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.