BrioDirect vs. MutualOne Bank
Compare rates, requirements, and features side-by-side to find the best option for you.
| Metric | BrioDirectHigh-Yield Savings Account Jan 7, 2026 | MutualOne BankMo Premium Savings Jan 7, 2026 |
|---|---|---|
| APY | 3.75% | 4.07% |
Est. Earnings | $5,000+$188 $10,000+$375 $25,000+$938 | $5,000+$0 $10,000+$0 $25,000+$1,018 |
Min Deposit | $5,000 | $20,000 |
Snapshot view. Rates subject to change. | ||
| Features | FDIC InsuredMod. MinimumGreat iOS AppGreat Android AppZelle® Supported | FDIC InsuredHigh MinimumGreat iOS AppGreat Android AppIn-Person AccessZelle® Supported |
Market Reality Check
Both of these banks offer rates below the current top tier. The best rates we track are currently above 4.21% APY.
Comparison Analysis
Comparing BrioDirect vs. MutualOne Bank
As of BrioDirect offers an APY of 3.75% for its High-Yield Savings Account, with a minimum balance of $25, compared to MutualOne Bank's 4.07% APY for its Mo Premium Savings account, with a minimum balance of $20,000.
MutualOne Bank pays $32 more than BrioDirect on a $10,000 balance after one year. BrioDirect pays $375, while MutualOne Bank pays $407 - an APY advantage for MutualOne Bank.
In addition, MutualOne Bank also offers 0.40% APY for the Online Savings account, with a minimum balance of 0.
Why BrioDirect?
No distinct advantages found vs MutualOne Bank.
Why MutualOne Bank?
- ✓Higher potential APY (4.07% vs 3.75%) on all balances
- ✓Physical branch access (Full-service banking offices in Framingham, MA, and Natick, MA)
— Key Feature Differences —
Better Returns at $10,000
BrioDirectBrioDirect's High-Yield Savings Account earns more on smaller deposits (approx. $375 vs $0/yr).
Better Returns at $25,000
MutualOne BankMutualOne Bank's Mo Premium Savings pulls ahead with larger amounts (approx. $1018 vs $938/yr).
Best for Simplicity
MutualOne BankMutualOne Bank's Mo Premium Savings offers 4.07% APY with no bundling, direct deposit requirement or caps.
Shared Benefits
Over a 1-year period, MutualOne Bank's Mo Premium Savings pays $32 more interest on a $10,000 balance than BrioDirect's High-Yield Savings Account.
*This calculation assumes current rates remain consistent for 1 year and does not include temporary bonuses.
Executive Summary as of
MutualOne Bank's Mo Premium Savings account stands out with a competitive APY of 4.07%, making it the preferred choice for savers looking to maximize returns, especially with a minimum deposit of $20,000. In contrast, BrioDirect offers a High-Yield Savings Account with a lower APY of 3.75% but requires a minimum deposit of $5,000. Both accounts have no maintenance fees and are FDIC insured. While BrioDirect is an online-only option, MutualOne Bank provides both online and physical access. MutualOne's account is noted for its simplicity, as it does not require direct deposit or bundling.
The analysis is based on current Banksparency database records
* This content is provided for informational purposes only; always verify details with the provider.
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Top Market Contenders
BrioDirect vs. MutualOne Bank Savings Calculator
You earn $64 more with MutualOne Bank than BrioDirect on a $20,000 initial deposit for 1 year*.
*This calculation assumes that APYs remain unchanged for 1 year, and takes into account known promo rate periods, but does not factor in bonuses. You can see how often these banks have changed their rates in the Compare Savings Rates Over Time section below.
BrioDirect
High-Yield Savings Account
Savings Breakdown
- Interest Earned+$750.00(3.6%)
- Total Contributions$0
- Initial Deposit$20,000
Projected Balance
$20,750.00
MutualOne Bank
Mo Premium Savings
Savings Breakdown
- Interest Earned+$814.00(3.9%)
- Total Contributions$0
- Initial Deposit$20,000
Projected Balance
$20,814.00
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
| Feature | BrioDirect | MutualOne Bank |
|---|---|---|
| APY | 3.75% Verified: 1/7/2026 ↘︎ 0.45%90d Change | 4.07% Verified: 1/7/2026 Stable (90d) |
| Product Name | High-Yield Savings Account | Mo Premium Savings |
| Minimum Deposit | $5,000 | $20,000 |
| Min. Balance for APY | $25 | $20,000 |
| Monthly Fee | $0 | $0 |
| Branch Access | None | Yes |
| Account Type | Online Only | Online & Branches |
| Direct Deposit Req. | None | None |
| Checking Bundle | No | No |
| Mobile Apps | iOS4.7 Android4.4 | iOS4.9 Android4.4 |
| Zelle® Support | Available Accessed via the Webster Bank mobile app. | Available Verified via website and app descriptions. |
| BBB Rating | B- | A+ |
| Next Steps | Visit SiteVerify at BrioDirect Non-sponsored link to official site | Visit SiteVerify at MutualOne Bank Non-sponsored link to official site |
📈 Compare Savings Rates Over Time
Historical Performance
| Metric | BrioDirect | MutualOne Bank | |
|---|---|---|---|
| High-Yield Savings Account | Online Savings | Mo Premium Savings | |
Current APY | 3.75% | 0.40% | 4.07% |
Trend | Stable | Stable | Stable |
Velocity (bps/mo) | -16.9 | 0.0 | -0.0 |
Days Since Change | 26 | 114 | 114 |
4-Month High | 4.30% | 0.40% | 4.07% |
4-Month Low | 3.75% | 0.40% | 4.07% |
Adjustments / Mo | 0.77 | 0.00 | 0.00 |
Volatility Score | 0.048 | 0.000 | 0.000 |
How to read these metrics(Click to expand)
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High Rates (With Checking Bundle)
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