Briodirect vs. Lending Club
High-Yield Savings Account Comparison
By Aviel Fahl|Last Updated: October 16, 2025
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Summary of BrioDirect vs. LendingClub
Key Metrics at a Glance
| Feature | BrioDirect | LendingClub |
|---|---|---|
| Top Savings APY | 4.20% 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 competitive APY of 4.20%, although it decreased from 4.30% last month.
- BrioDirect has no maintenance fees associated with its High-Yield Savings Account.
- BrioDirect's App Store rating is 4.7, indicating strong user satisfaction.
Potential Drawbacks
- BrioDirect has a BBB rating of B- and is not BBB Accredited.
- BrioDirect requires a minimum deposit of $5,000 to open the High-Yield Savings Account.
- BrioDirect has no physical branches for in-person banking.
LendingClub
Strengths
- LendingClub also offers a 4.20% APY, stable from last month.
- LendingClub has a higher BBB rating of A+, reflecting better trustworthiness.
- LendingClub's App Store rating is slightly higher at 4.8.
Potential Drawbacks
- LendingClub's LevelUp Savings requires a $250 monthly deposit to earn the advertised APY.
- LendingClub has no physical branches for in-person banking.
- LendingClub has a lower Standard Rate of 3.20% if the monthly deposit requirement is not met.
Summary: Both BrioDirect and LendingClub offer a competitive APY of 4.20% for their high-yield savings accounts. However, BrioDirect's account requires a higher minimum deposit of $5,000, while LendingClub's account has a monthly deposit requirement for the best rate. LendingClub also boasts a better BBB rating of A+ compared to BrioDirect's B-. Both banks operate online only, with no physical branches available.
→ As of 10/16/2025 both BrioDirect (High-Yield Savings Account) and LendingClub (LevelUp Savings) offer an APY of 4.20% .
→ Both banks yield $420 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.
Calculate Savings Growth for BrioDirect vs LendingClub
All calculations are based on APY.
BrioDirect
APY: 4.20%
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
Effective APY: 4.20% (based on your deposit and contributions)
Total balance: $20,564.3
Earnings: $2,564.3
Bank OverviewLendingClub
APY: 4.20%
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
Effective APY: 4.20% (based on your deposit and contributions)
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 the same as 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 | 4.20% (as of 10/16/2025) | 3.20% - 4.20% (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 | |
| 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 | 4.5/5 | |
| BBB Rating | B- | A+ |
Comparative Historical APY Insights (Last 10 Months)
| BrioDirect | LendingClub | ||
|---|---|---|---|
| Product | High-Yield Savings Account | vs | LevelUp Savings |
| Latest APY | 4.20 % | 4.20 % | |
| Trend | Sideways | Sideways | |
| Slope (bps/mo) | -4.6 | -4.7 | |
| Rate Changes / Mo | 0.69 | 0.30 | |
| Days Since Last Change | 9 | 97 | |
| High (-10 m) | 4.85 % | 4.75 % | |
| Low (-10 m) | 4.20 % | 4.20 % | |
| Draw-down from High | -13.4 % | -11.6 % | |
| Volatility (CV) | 0.033 | 0.033 |
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 303 days.
- Low (-10 m)
- Lowest APY in the last 303 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.