Briodirect vs. Everbank
High-Yield Savings Account Comparison
By Aviel Fahl|Last Updated: October 21, 2025
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Summary of BrioDirect vs. EverBank
Key Metrics at a Glance
| Feature | BrioDirect | EverBank |
|---|---|---|
| Top Savings APY | 4.20% High-Yield Savings Account | 4.05% Performance Savings |
| Minimum to Open | $5,000 | $0 |
| Minimum Balance for Top APY | $25 | $0 |
BrioDirect
Strengths
- BrioDirect offers a higher APY of 4.20% compared to EverBank's 4.05%.
- BrioDirect has no maintenance fees for its High-Yield Savings Account.
- BrioDirect's App Store rating is significantly higher at 4.7.
Potential Drawbacks
- BrioDirect has a lower BBB rating of B- compared to EverBank's A+.
- BrioDirect has no physical branches for in-person banking.
EverBank
Strengths
- EverBank has 11 physical locations in Florida and California.
- EverBank's BBB rating is A+, indicating higher trustworthiness.
Potential Drawbacks
- EverBank's APY is lower at 4.05%, unchanged from 30 days ago.
- EverBank has low ratings on both the App Store (2.3) and Google Play (1.8).
→ As of October 21, 2025 BrioDirect offers an APY of 4.20% for its High-Yield Savings Account, with a minimum balance of $25, compared to EverBank's 4.05% APY for its Performance Savings account, with a minimum balance of $0.
→ BrioDirect yields $15 more than EverBank on a $10,000 balance after one year. BrioDirect pays $420, while EverBank pays $405 - an APY advantage for BrioDirect.
Calculate Savings Growth for BrioDirect vs EverBank
BrioDirect - High-Yield Savings Account
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 OverviewEverBank - Performance Savings
Total savings breakdown:
- Interest earned: $2,467 (12.05%)
- Total contributions: $13,000 (63.52%)
- Initial deposit: $5,000 (24.43%)
Your total balance
$20,467.00
Total balance: $20,467
Earnings: $2,467
Bank OverviewWith a $5,000 initial deposit and $13,000 in total contributions over 5 years, BrioDirect's total earnings would be $97.3 higher than EverBank's total earnings.
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
Compare BrioDirect's vs EverBank's Savings Accounts
| BrioDirect | EverBank | ||
|---|---|---|---|
| Product | High-Yield Savings Account | vs | Performance Savings |
| APY | 4.20% (as of 10/21/2025) | 4.05% (as of 10/21/2025) | |
| Bundled Account | No | No | |
| FDIC-insured | Yes | Yes | |
| Online Only | Yes | Yes | |
| Compound Frequency | Daily | Daily | |
| Minimum Deposit | $5,000 | $0 | |
| Minimum Balance for APY | $25 | $0 | |
| Maintenance Fee | $0 | $0 | |
| Direct Deposit Required | No | No | |
| App Store Rating | 4.7/5 | 2.3/5 | |
| Google Play Rating | 4.3/5 | 1.8/5 | |
| BBB Rating | B- | A+ |
Comparative Historical APY Insights (Last 10 Months)
| BrioDirect | EverBank | ||
|---|---|---|---|
| Product | High-Yield Savings Account | vs | Performance Savings |
| Latest APY | 4.20 % | 4.05 % | |
| Trend | Sideways | Sideways | |
| Slope (bps/mo) | -4.6 | -1.9 | |
| Rate Changes / Mo | 0.68 | 0.29 | |
| Days Since Last Change | 14 | 32 | |
| High (-10 m) | 4.85 % | 4.75 % | |
| Low (-10 m) | 4.20 % | 4.05 % | |
| Draw-down from High | -13.4 % | -14.7 % | |
| Volatility (CV) | 0.033 | 0.021 |
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 308 days.
- Low (-10 m)
- Lowest APY in the last 308 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.