BrioDirect vs. FNBO Direct
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
FNBO Direct
High-Yield Online Savings Account
3.00%APYDec 6, 2025FDIC InsuredLow MinimumsGreat iOS AppGreat Android AppShow Fine Print & Trends Hide Details
FNBO Direct
High-Yield Online Savings Account
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. FNBO Direct
Why BrioDirect?
- ✓Higher potential APY (4.00% vs 3.00%) on all balances
Why FNBO Direct?
- ✓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 $300/yr).
Better Returns at $25,000
BrioDirectBrioDirect's High-Yield Savings Account pulls ahead with larger amounts (approx. $1000 vs $750/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
BrioDirectBrioDirect offers an iOS app rated 4.7 (vs. 4.5) and Android app rated 4.3 (vs. 4.8)
Shared Benefits
Over a 1-year period, BrioDirect's High-Yield Savings Account pays $100 more interest on a $10,000 balance than FNBO Direct's High-Yield Online Savings Account.
Executive Summary
BrioDirect offers a High-Yield Savings Account with a competitive APY of 4.00%, making it the superior choice compared to FNBO Direct's High-Yield Online Savings Account, which has an APY of 3.00%. BrioDirect’s account stands out for its simplicity, requiring no direct deposit and having no maintenance fees, while also allowing a minimum deposit of $5,000. In contrast, FNBO Direct has a lower minimum deposit of just $1 and no minimum balance requirement, but with a significantly lower APY. Both accounts are online-only and FDIC insured.
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 FNBO Direct.
| Feature | BrioDirect | FNBO Direct |
|---|---|---|
| APY | 4.00% Verified: 12/6/2025 ↘︎ 0.30%90d Change | 3.00% Verified: 12/6/2025 ↘︎ 0.25%90d Change |
| Product Name | High-Yield Savings Account | High-Yield Online Savings Account |
| Minimum Deposit | $5,000 | $1 |
| 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 | iOS4.5 Android4.8 |
| BBB Rating | B- | A+ |
| Next Steps |
Savings Comparison
BrioDirect earns $636.5 more than FNBO Direct.
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
FNBO Direct
High-Yield Online Savings Account
Savings Breakdown
- Interest Earned+$1,798.20(9.1%)
- Total Contributions$13,000
- Initial Deposit$5,000
Projected Balance
$19,798.20
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 | FNBO Direct |
|---|---|---|
| High-Yield Savings Account | High-Yield Online Savings Account | |
Current APY | 4.00% | 3.00% |
Trend | Stable | Stable |
Velocity (bps/mo) | -9.0 | -8.3 |
Days Since Change | 36 | 64 |
4-Month High | 4.30% | 3.25% |
4-Month Low | 4.00% | 3.00% |
Adjustments / Mo | 0.44 | 0.22 |
Volatility Score | 0.032 | 0.040 |
How to read these metrics(Click to expand)
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