BrioDirect vs. Openbank
Comparing BrioDirect and Openbank for high-yield savings: BrioDirect's High-Yield Savings Account pays 3.75% APY while Openbank's High-Yield Savings Account pays 4.09% APY.
See how they compare on rate stability, mobile app ratings, and more below.
The Bottom Line
Who pays more interest on $10,000? Openbank pays $34 more than BrioDirect annually ($409 vs $375).
Choose BrioDirect if mobile app quality matters, or you want Zelle for quick transfers. Choose Openbank if getting the best rate matters most, or BBB rating matters to you.
| Metric | BrioDirectHigh-Yield Savings Account Feb 21, 2026 | OpenbankHigh-Yield Savings Account Feb 21, 2026 |
|---|---|---|
| APY | 3.75% | 4.09% |
Est. Earnings | $5,000+$188 $10,000+$375 $25,000+$938 | $5,000+$205 $10,000+$409 $25,000+$1,023 |
Min Deposit | $5,000 | $500 |
Snapshot view. Rates subject to change. | ||
| Features | FDIC InsuredMod. MinimumGreat iOS AppGreat Android AppZelle® SupportedDaily CompoundingRate Changes Often | FDIC InsuredLow MinimumsRate Changes Often |
Prefer In-Person Banking?
Both of these banks are online-only. If you need physical branch access, check out our list of high-yield accounts with brick-and-mortar locations.
Comparison Analysis
Comparing BrioDirect vs. Openbank
Executive Summary
Openbank offers a High-Yield Savings Account with a competitive APY of 4.09%, making it the winner compared to BrioDirect's offering of 3.75%. Openbank's account requires a minimum deposit of $500 and has no minimum balance or maintenance fees, providing a straightforward savings option. In contrast, BrioDirect's account requires a minimum deposit of $5,000 and has a minimum balance of $25. Both accounts are online-only and do not require direct deposit. Openbank's account is noted for better returns at various deposit levels, emphasizing its appeal for savers.
The analysis is based on current Banksparency database records
* This content is provided for informational purposes only; always verify details with the provider.
Why BrioDirect?
- ✓Higher rated iOS app (4.7 vs 3.1)
- ✓Higher rated Android app (4.4 vs 2.6)
- ✓Fast transfers via Zelle®
Why Openbank?
- ✓Higher potential APY (4.09% vs 3.75%) on all balances
— Key Feature Differences —
Better Returns at $10,000
OpenbankOpenbank's High-Yield Savings Account earns more on smaller deposits (approx. $409 vs $375/yr).
Better Returns at $25,000
OpenbankOpenbank's High-Yield Savings Account pulls ahead with larger amounts (approx. $1023 vs $938/yr).
Best for Simplicity
OpenbankOpenbank's High-Yield Savings Account offers 4.09% APY with no bundling, direct deposit requirement or caps.
Best Mobile App Experience
BrioDirectBrioDirect offers an iOS app rated 4.7 (vs. 3.1) and Android app rated 4.4 (vs. 2.6)
Shared Benefits
Over a 1-year period, Openbank's High-Yield Savings Account pays $34 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.
Non-sponsored link to official site
Non-sponsored link to official site
Top Market Contenders
BrioDirect vs. Openbank Savings Calculator
You earn $34 more with Openbank than BrioDirect on a $10,000 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+$375.00(3.6%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,375.00
Openbank
High-Yield Savings Account
Savings Breakdown
- Interest Earned+$409.00(3.9%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,409.00
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
Still banking with Chase, Bank of America, or Wells Fargo?
On a $10,000 balance, you're missing out on at least $374 per year in interest.
Both BrioDirect and Openbank dramatically outperform the typical 0.01% APY at traditional big banks.
| Feature | BrioDirect | Openbank |
|---|---|---|
| APY | 3.75% Verified: 2/21/2026 ↘︎ 0.25%90d Change | 4.09% Verified: 2/21/2026 ↘︎ 0.11%90d Change |
| Product Name | High-Yield Savings Account | High-Yield Savings Account |
| Minimum Deposit | $5,000 | $500 |
| Min. Balance for APY | $25 | $0 |
| Monthly Fee | $0 | $0 |
| Compound Frequency | Daily | Monthly |
| Branch Access | None | None |
| Account Type | Online Only | Online Only |
| Physical Branches | None. You cannot make use of Webster Bank's branches. | None |
| Direct Deposit Req. | None | None |
| Checking Bundle | No | No |
| Mobile Apps | ||
| FDIC Insured | YesVerify FDIC | YesVerify FDIC |
| Zelle® Support | Available Accessed via the Webster Bank mobile app. | Not Supported |
| BBB Rating | B- | A- |
| Next Steps | Visit SiteVerify at BrioDirect Non-sponsored link to official site | Visit SiteVerify at Openbank Non-sponsored link to official site |
📈 Compare Savings Rates Over Time
Historical Performance
| Metric | BrioDirect | Openbank |
|---|---|---|
| High-Yield Savings Account | High-Yield Savings Account | |
Current APY | 3.75% | 4.09% |
Trend | Stable | Stable |
Velocity (bps/mo) | -7.1 | -2.7 |
Days Since Change | 71 | 16 |
12-Month High | 4.55% | 4.75% |
12-Month Low | 3.75% | 4.09% |
Adjustments / Mo | 0.58 | 0.33 |
Volatility Score | 0.065 | 0.027 |
How to read these metrics(Click to expand)
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High Rates (With Checking Bundle)
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More Comparisons
Compare BrioDirect's APY of 3.75% with other banks
| Bank Pair | Competitor APY | Min Deposit |
|---|---|---|
| BrioDirect vs Ally Bank | 3.20% | $0 |
| BrioDirect vs American Express | 3.30% | $0 |
| BrioDirect vs Axos Bank | 4.21% | $0 |
| BrioDirect vs Bank of America | 0.01% | $100 |
| BrioDirect vs Barclays | 3.85% | $0 |
| BrioDirect vs Capital One | 3.30% | $0 |
| BrioDirect vs Chase Bank | 0.01% | $0 |
| BrioDirect vs Chime | 3.00% | $0 |
| BrioDirect vs CIT Bank | 3.75% | $100 |
| BrioDirect vs Citibank | 3.20% | $0 |
| BrioDirect vs Discover Bank | 3.30% | $0 |
| BrioDirect vs EverBank | 3.90% | $0 |
| BrioDirect vs Marcus by Goldman Sachs | 3.65% | $0 |
| BrioDirect vs Newtek Bank | 4.20% | $0.01 |
| BrioDirect vs Pibank | 4.60% | $0 |
| BrioDirect vs SoFi Bank | 4.00% | $0 |
| BrioDirect vs Synchrony Bank | 3.50% | $0 |
| BrioDirect vs Varo Bank | 5.00% | $0 |
| BrioDirect vs Wealthfront | 3.95% | $0 |
| BrioDirect vs Wells Fargo | 0.05% | $25 |