Briodirect vs. Lending Club
High-Yield Savings Account Comparison
By Aviel Fahl|Last Updated: November 16, 2025
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Summary of BrioDirect vs. LendingClub
Key Metrics at a Glance
| Feature | BrioDirect | LendingClub |
|---|---|---|
| Top Savings APY | 4.00% High-Yield Savings Account | 4.20% LevelUp Savings |
| Minimum to Open | $5,000 | $0 |
| Minimum Balance for Top APY | $25 | $0 |
| Note | The advertised "LevelUp Rate" APY of 4.20% is only available if you deposit $250+ into the account each month. Otherwise the "Standard Rate" of 3.20% applies. |
BrioDirect
Strengths
- BrioDirect offers a higher APY of 4.00%, up from 4.20% last month.
- No maintenance fees for BrioDirect's High-Yield Savings Account.
- BrioDirect has a solid App Store rating of 4.7.
Potential Drawbacks
- BrioDirect has a lower BBB rating of B- compared to LendingClub's A+.
- Requires a minimum deposit of $5,000 to open an account at BrioDirect.
- BrioDirect is not BBB accredited.
LendingClub
Strengths
- LendingClub's LevelUp Savings has a competitive APY of 4.20%.
- No minimum deposit or balance requirements for LendingClub's account.
- LendingClub has a higher Google Play rating of 4.6.
Potential Drawbacks
- LendingClub's APY drops to 3.20% without a monthly deposit of $250.
- LendingClub is also not BBB accredited.
- LendingClub has no branches for in-person banking.
→ As of November 16, 2025 BrioDirect offers an APY of 4.00% for its High-Yield Savings Account, with a minimum balance of $25, compared to LendingClub's 4.20% APY for its LevelUp Savings account, with a minimum balance of $0.
→ LendingClub yields $20 more than BrioDirect on a $10,000 balance after one year. BrioDirect pays $400, while LendingClub pays $420 - an APY advantage for LendingClub.
Calculate Savings Growth for BrioDirect vs LendingClub
BrioDirect - High-Yield Savings Account
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
Total balance: $20,434.7
Earnings: $2,434.7
Bank OverviewLendingClub - LevelUp Savings
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 OverviewWith a $5,000 initial deposit and $13,000 in total contributions over 5 years, BrioDirect's total earnings would be $129.6 lower than LendingClub's total earnings.
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
Compare BrioDirect's vs LendingClub's Savings Accounts
| BrioDirect | LendingClub | ||
|---|---|---|---|
| Product | High-Yield Savings Account | vs | LevelUp Savings |
| APY | 4.00% (as of 11/16/2025) | 3.20% - 4.20% (as of 11/16/2025) | |
| 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 | |
| Note | The advertised "LevelUp Rate" APY of 4.20% is only available if you deposit $250+ into the account each month. Otherwise the "Standard Rate" of 3.20% applies. | ||
| 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 | LendingClub | ||
|---|---|---|---|
| Product | High-Yield Savings Account | vs | LevelUp Savings |
| Latest APY | 4.00 % | 4.20 % | |
| Trend | Falling | Sideways | |
| Slope (bps/mo) | -5.1 | -4.2 | |
| Rate Changes / Mo | 0.72 | 0.27 | |
| Days Since Last Change | 16 | 128 | |
| High (-11 m) | 4.85 % | 4.75 % | |
| Low (-11 m) | 4.00 % | 4.20 % | |
| Draw-down from High | -17.5 % | -11.6 % | |
| Volatility (CV) | 0.040 | 0.033 |
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 334 days.
- Low (-11 m)
- Lowest APY in the last 334 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.