Briodirect vs. Forbright Bank
High-Yield Savings Account Comparison
By Aviel Fahl|Last Updated: November 12, 2025
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Summary of BrioDirect vs. Forbright Bank
Key Metrics at a Glance
| Feature | BrioDirect | Forbright Bank |
|---|---|---|
| Top Savings APY | 4.00% High-Yield Savings Account | 4.00% Growth Savings |
| Minimum to Open | $5,000 | $0 |
| Minimum Balance for Top APY | $25 | $0 |
BrioDirect
Strengths
- BrioDirect offers a competitive APY of 4.00%, up from 4.20% 30 days ago.
- No maintenance fees for the High-Yield Savings Account.
- BrioDirect has a solid App Store rating of 4.7.
Potential Drawbacks
- BrioDirect has a BBB rating of B- and is not accredited.
- Requires a minimum deposit of $5,000 for the High-Yield Savings Account.
- No physical branches available for customer service.
Forbright Bank
Strengths
- Forbright Bank has a high BBB rating of A+ and is accredited.
- Offers a Growth Savings account with no minimum deposit or balance.
- Forbright Bank has an excellent App Store rating of 4.8.
Potential Drawbacks
- The highest APY of 4.00% is only available for the Growth Savings account.
- Bright Savings requires a minimum balance of $250,000 for the highest APY.
- Sprout Savings has a cap on the highest rate at $9,999.
Summary: BrioDirect offers a higher APY of 4.00% for its High-Yield Savings Account compared to Forbright Bank's Growth Savings account. However, BrioDirect's B- BBB rating and lack of branches are drawbacks. In contrast, Forbright Bank has an A+ BBB rating and offers accounts with no minimum balance requirements, making it more accessible. Both banks have competitive APYs, but Forbright Bank's tiered accounts may limit potential earnings for lower balances.
→ As of 11/12/2025 both BrioDirect (High-Yield Savings Account) and Forbright Bank (Growth Savings) offer an APY of 4.00% .
→ Both banks yield $400 in interest on a $10,000 balance after one year. Neither has an APY advantage, so consider other features (fees, access, app ratings, etc.) when choosing.
→ In addition, Forbright Bank also offers 3.65% APY for the Bright Savings account.
Calculate Savings Growth for BrioDirect vs Forbright Bank
All calculations are based on APY.
BrioDirect - High-Yield Savings Account
Top APY: 4.00%
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
Effective APY: 4.00% (based on your deposit and contributions)
Total balance: $20,434.7
Earnings: $2,434.7
Bank OverviewForbright Bank - Growth Savings
Top APY: 4.00%
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
Effective APY: 4.00% (based on your deposit and contributions)
Total balance: $20,434.7
Earnings: $2,434.7
Bank OverviewWith a $5,000 initial deposit and $13,000 in total contributions over 5 years, BrioDirect's total earnings would be the same as Forbright Bank's total earnings.
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
Compare BrioDirect's vs Forbright Bank's Savings Accounts
| BrioDirect | Forbright Bank | ||||
|---|---|---|---|---|---|
| Product | High-Yield Savings Account | vs | Growth Savings | Bright Savings | Sprout Savings |
| APY | 4.00% (as of 11/12/2025) | 4.00% (as of 11/12/2025) | 2.75% - 3.65% (as of 11/12/2025) | 0.80% - 3.65% (as of 11/12/2025) | |
| Bundled Account | No | No | No | No | |
| FDIC-insured | Yes | Yes | Yes | Yes | |
| Online Only | Yes | Yes | No | No | |
| Compound Frequency | Daily | Daily | Daily | Daily | |
| Minimum Deposit | $5,000 | $0 | $250 | $1 | |
| Minimum Balance for APY | $25 | $0 | $250,000 | $0.01 | |
| Maintenance Fee | $0 | $0 | $0 | $0 | |
| Direct Deposit Required | No | No | No | No | |
| Eligibility | United States | United States | This account must be opened in a Forbright branch (Washington, D.C. metro area) | This account is for children under 18 years old, where the account custodian is an existing customer. It must be opened in a Forbright branch (Washington, D.C. metro area) | |
| Note | This is a tiered savings account, where the highest rate is obtained by meeting a minimum balance of $250,000. A lower APY of 2.75% may be obtained with as little as $0.01 in balance. See bank for more details and all tiers. | This is a tiered savings account, where the highest rate is capped at a balance of $9,999. A lower APY of 0.80% is applied to balances above that. See bank for more details. | |||
| App Store Rating | 4.7/5 | 4.8/5 | |||
| Google Play Rating | 4.3/5 | 4.6/5 | |||
| BBB Rating | B- | A+ | |||
Comparative Historical APY Insights (Last 11 Months)
| BrioDirect | Forbright Bank | ||||
|---|---|---|---|---|---|
| Product | High-Yield Savings Account | vs | Sprout Savings | Bright Savings | Growth Savings |
| Latest APY | 4.00 % | 3.65 % | 3.65 % | 4.00 % | |
| Trend | Falling | Sideways | Sideways | Sideways | |
| Slope (bps/mo) | -5.0 | -2.7 | -2.7 | -2.3 | |
| Rate Changes / Mo | 0.73 | 0.09 | 0.09 | 0.18 | |
| Days Since Last Change | 13 | 43 | 43 | 35 | |
| High (-11 m) | 4.85 % | 3.90 % | 3.90 % | 4.60 % | |
| Low (-11 m) | 4.00 % | 3.65 % | 3.65 % | 4.00 % | |
| Draw-down from High | -17.5 % | -6.4 % | -6.4 % | -13.0 % | |
| Volatility (CV) | 0.039 | 0.026 | 0.026 | 0.026 | |
APY Insights Glossary
- Latest APY
- Most recent advertised annual-percentage yield.
- Trend
- Direction over the last 11 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 (-11 m)
- Highest APY in the last 330 days.
- Low (-11 m)
- Lowest APY in the last 330 days.
- Draw-down from High
- How far today sits below the 11-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.