BrioDirect vs. PNC
Compare rates, requirements, and features side-by-side to find the best option for you.
| Metric | BrioDirectHigh-Yield Savings Account Jan 7, 2026 | PNCPNC High Yield Savings Jan 7, 2026 |
|---|---|---|
| APY | 3.75% | 3.30% |
Est. Earnings | $5,000+$188 $10,000+$375 $25,000+$938 | $5,000+$165 $10,000+$330 $25,000+$825 |
Min Deposit | $5,000 | $0 |
Snapshot view. Rates subject to change. | ||
Terms | - | Eligibility restricted to select states. |
| Features | FDIC InsuredMod. MinimumGreat iOS AppGreat Android AppZelle® Supported | FDIC InsuredNo MinimumsGreat 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. PNC
As of BrioDirect offers an APY of 3.75% for its High-Yield Savings Account, with a minimum balance of $25, compared to PNC's 3.30% APY for its PNC High Yield Savings account, with a minimum balance of $0.
BrioDirect pays $45 more than PNC on a $10,000 balance after one year. BrioDirect pays $375, while PNC pays $330 - an APY advantage for BrioDirect.
In addition, PNC also offers 0.03% APY for the Standard Savings account, with a minimum balance of $1.
Why BrioDirect?
- ✓Higher potential APY (3.75% vs 3.30%)
- ✓Available Nationwide
Why PNC?
- ✓Physical branch access (Multiple branches in AL, AZ, CA, CO, DE, DC, FL, GA, IL, IN, KS, KY, MD, MA, MI, MO, NJ, NM, NY, NC, OH, PA, SC, TN, TX, VA, WV, WI)
— Key Feature Differences —
Better Returns at $10,000
BrioDirectBrioDirect's High-Yield Savings Account earns more on smaller deposits (approx. $375 vs $330/yr).
Better Returns at $25,000
BrioDirectBrioDirect's High-Yield Savings Account pulls ahead with larger amounts (approx. $938 vs $825/yr).
Best for Simplicity
BrioDirectBrioDirect's High-Yield Savings Account offers 3.75% APY with no bundling, direct deposit requirement or caps.
Best Mobile App Experience
PNCPNC offers an iOS app rated 4.9 (vs. 4.7) and Android app rated 4.6 (vs. 4.4)
Shared Benefits
Over a 1-year period, BrioDirect's High-Yield Savings Account pays $45 more interest on a $10,000 balance than PNC's PNC High Yield Savings.
*This calculation assumes current rates remain consistent for 1 year and does not include temporary bonuses.
Executive Summary as of
BrioDirect offers a High-Yield Savings Account with a competitive APY of 3.75%, making it the clear winner among the two banks. This account requires a minimum deposit of $5,000 but has no direct deposit requirement, maintenance fees, or caps, and is exclusively available online. In contrast, PNC provides a High Yield Savings account with a lower APY of 3.30% and a Standard Savings account yielding only 0.03%. The PNC accounts have lower minimum deposit requirements but are subject to eligibility restrictions in select states. Overall, BrioDirect's account stands out for its higher returns and simplicity.
The analysis is based on current Banksparency database records
* This content is provided for informational purposes only; always verify details with the provider.
Non-sponsored link to official site
Non-sponsored link to official site
Top Market Contenders
BrioDirect vs. PNC Savings Calculator
You earn $45 more with BrioDirect than PNC 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
PNC
PNC High Yield Savings
Savings Breakdown
- Interest Earned+$330.00(3.2%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,330.00
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
| Feature | BrioDirect | PNC |
|---|---|---|
| APY | 3.75% Verified: 1/7/2026 ↘︎ 0.45%90d Change | 3.30% Verified: 1/7/2026 ↘︎ 0.55%90d Change |
| Product Name | High-Yield Savings Account | PNC High Yield Savings |
| Minimum Deposit | $5,000 | $0 |
| Min. Balance for APY | $25 | $0 |
| 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 Android4.6 |
| Zelle® Support | Available Accessed via the Webster Bank mobile app. | Available Limit: $2,000/dayCentral to Virtual Wallet suite. |
| BBB Rating | B- | A+ |
| Important Notes | - | Eligibility restricted to select states. |
| Next Steps | Visit SiteVerify at BrioDirect Non-sponsored link to official site | Visit SiteVerify at PNC Non-sponsored link to official site |
📈 Compare Savings Rates Over Time
Historical Performance
| Metric | BrioDirect | PNC | |
|---|---|---|---|
| High-Yield Savings Account | PNC High Yield Savings | Standard Savings | |
Current APY | 3.75% | 3.30% | 0.03% |
Trend | Stable | Stable | Stable |
Velocity (bps/mo) | -6.5 | -5.6 | 0.2 |
Days Since Change | 26 | 21 | 251 |
10-Month High | 4.55% | 3.95% | 0.03% |
10-Month Low | 3.75% | 3.30% | 0.01% |
Adjustments / Mo | 0.68 | 0.39 | 0.10 |
Volatility Score | 0.053 | 0.057 | 0.286 |
How to read these metrics(Click to expand)
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High Rates (With Checking Bundle)
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