Briodirect vs. Peak Bank
High-Yield Savings Account Comparison
By Aviel Fahl|Last Updated: October 21, 2025
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Summary of BrioDirect vs. Peak Bank
Key Metrics at a Glance
| Feature | BrioDirect | Peak Bank |
|---|---|---|
| Top Savings APY | 4.20% High-Yield Savings Account | 4.20% Envision High Yield Savings |
| Minimum to Open | $5,000 | $100 |
| Minimum Balance for Top APY | $25 |
BrioDirect
Strengths
- BrioDirect has a competitive APY of 4.20%, only slightly down from 4.30% last month.
- BrioDirect requires a minimum deposit of $5,000, allowing for larger initial investments.
- BrioDirect has no maintenance fees, making it cost-effective for savers.
Potential Drawbacks
- BrioDirect's BBB rating is B-, indicating lower trustworthiness compared to competitors.
- BrioDirect has no physical branches, limiting in-person banking options.
- BrioDirect's App Store rating is 4.7, lower than Peak Bank's rating.
Peak Bank
Strengths
- Peak Bank offers a high APY of 4.20%, consistent with last month's rate.
- Peak Bank has a higher BBB rating of A+, reflecting greater trustworthiness.
- Peak Bank's App Store rating is 4.8, higher than BrioDirect's rating.
Potential Drawbacks
- Peak Bank requires a minimum deposit of $100, which may not suit all savers.
- Peak Bank has no physical branches, limiting in-person banking options.
- Peak Bank's APY decreased from 4.35% last month, indicating a slight decline.
→ As of 10/21/2025 both BrioDirect (High-Yield Savings Account) and Peak Bank (Envision High Yield 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 Peak Bank
BrioDirect - High-Yield Savings Account
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 OverviewPeak Bank - Envision High Yield 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 the same as Peak Bank's total earnings.
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
Compare BrioDirect's vs Peak Bank's Savings Accounts
| BrioDirect | Peak Bank | ||
|---|---|---|---|
| Product | High-Yield Savings Account | vs | Envision High Yield Savings |
| APY | 4.20% (as of 10/21/2025) | 4.20% (as of 10/21/2025) | |
| Bundled Account | No | No | |
| FDIC-insured | Yes | Yes | |
| Online Only | Yes | Yes | |
| Compound Frequency | Daily | Daily | |
| Minimum Deposit | $5,000 | $100 | |
| Minimum Balance for APY | $25 | N/A | |
| Maintenance Fee | $0 | $0 | |
| Direct Deposit Required | No | No | |
| App Store Rating | 4.7/5 | 4.8/5 | |
| Google Play Rating | 4.3/5 | 4.7/5 | |
| BBB Rating | B- | A+ |
Comparative Historical APY Insights (Last 8 Months)
| BrioDirect | Peak Bank | ||
|---|---|---|---|
| Product | High-Yield Savings Account | vs | Envision High Yield Savings |
| Latest APY | 4.20 % | 4.20 % | |
| Trend | Sideways | Sideways | |
| Slope (bps/mo) | -3.8 | -3.1 | |
| Rate Changes / Mo | 0.60 | 0.48 | |
| Days Since Last Change | 14 | 20 | |
| High (-8 m) | 4.55 % | 4.54 % | |
| Low (-8 m) | 4.20 % | 4.20 % | |
| Draw-down from High | -7.7 % | -7.5 % | |
| Volatility (CV) | 0.023 | 0.022 |
APY Insights Glossary
- Latest APY
- Most recent advertised annual-percentage yield.
- Trend
- Direction over the last 8 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 (-8 m)
- Highest APY in the last 249 days.
- Low (-8 m)
- Lowest APY in the last 249 days.
- Draw-down from High
- How far today sits below the 8-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.