Briodirect vs Presidential Bank
High-Yield Savings Accounts Comparison
Last Updated: September 5, 2025
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Summary of BrioDirect vs. Presidential Bank
As of September 5, 2025 BrioDirect offers an APY of 4.30% for its High-Yield Savings Account, with a minimum balance of $25, compared to Presidential Bank's 4.50% APY for its Advantage Savings account, with a minimum balance of N/A.
Presidential Bank yields $20 more than BrioDirect on a $10,000 balance after one year. BrioDirect pays $430, while Presidential Bank pays $450 - an APY advantage for Presidential Bank.
BrioDirect
Strengths
- BrioDirect offers a competitive APY of 4.30%.
- No maintenance fees for the High-Yield Savings Account.
- BrioDirect has a solid App Store rating of 4.7.
Potential Drawbacks
- BrioDirect has a BBB rating of B- and is not accredited.
- No physical branches available for in-person banking.
- Direct deposit is not required for the High-Yield Savings Account.
Presidential Bank
Strengths
- Presidential Bank provides a higher APY of 4.50%.
- Offers 10 physical branches for customer convenience.
- Has a better BBB rating of A-.
Potential Drawbacks
- Requires a monthly direct deposit of $500 to earn the higher APY.
- Lower Google Play rating at 4.2 compared to BrioDirect.
- The Advantage Savings Account has a minimum deposit requirement of $5,000.
Summary: BrioDirect features a competitive APY of 4.30% with no maintenance fees, but lacks branches and has a lower BBB rating of B-. In contrast, Presidential Bank offers a slightly higher APY of 4.50%, requires a direct deposit for that rate, and has physical branches along with a better BBB rating of A-. However, it has a lower Google Play rating and a minimum deposit requirement.
Compare BrioDirect's vs Presidential Bank's Savings Accounts
| BrioDirect | Presidential Bank | ||
|---|---|---|---|
| Product | High-Yield Savings Account | vs | Advantage Savings |
| APY | 4.30% (as of 9/5/2025) | 4.00% - 4.50% (as of 9/5/2025) | |
| Bundled Account | No | Yes | |
| FDIC-insured | Yes | Yes | |
| Online Only | Yes | No | |
| Compound Frequency | Daily | Monthly | |
| Minimum Deposit | $5,000 | $5,000 | |
| Minimum Balance for APY | $25 | N/A | |
| Maintenance Fee | $0 | $0 | |
| Direct Deposit Required | No | Yes. To earn the higher APY you need a monthly direct deposit into an Advantage Checking Account of $500. | |
| App Store Rating | 4.7/5 | 4.8/5 | |
| Google Play Rating | 4.3/5 | 4.2/5 | |
| BBB Rating | B- | A- |
Comparative Historical APY Insights (Last 9 Months)
| BrioDirect | Presidential Bank | ||
|---|---|---|---|
| Product | High-Yield Savings Account | vs | Advantage Savings |
| Latest APY | 4.30 % | 4.50 % | |
| Trend | Falling | Sideways | |
| Slope (bps/mo) | -5.4 | 0.0 | |
| Rate Changes / Mo | 0.69 | 0.00 | |
| Days Since Last Change | 108 | 260 | |
| High (-9 m) | 4.85 % | 4.50 % | |
| Low (-9 m) | 4.30 % | 4.50 % | |
| Draw-down from High | -11.3 % | 0.0 % | |
| Volatility (CV) | 0.032 | 0.000 |
APY Insights Glossary
- Latest APY
- Most recent advertised annual-percentage yield.
- Trend
- Direction over the last 9 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 (-9 m)
- Highest APY in the last 262 days.
- Low (-9 m)
- Lowest APY in the last 262 days.
- Draw-down from High
- How far today sits below the 9-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.
Calculate Savings Growth for BrioDirect vs Presidential Bank
All calculations are based on APY.
BrioDirect
APY: 4.30%
Total savings breakdown:
- Interest earned: $2,629.4 (12.75%)
- Total contributions: $13,000 (63.02%)
- Initial deposit: $5,000 (24.24%)
Your total balance
$20,629.40
Effective APY: 4.30% (based on your deposit and contributions)
Total balance: $20,629.4
Earnings: $2,629.4
Bank OverviewPresidential Bank
APY: 4.50%
Total savings breakdown:
- Interest earned: $2,760.1 (13.30%)
- Total contributions: $13,000 (62.62%)
- Initial deposit: $5,000 (24.08%)
Your total balance
$20,760.10
Effective APY: 4.50% (based on your deposit and contributions)
Total balance: $20,760.1
Earnings: $2,760.1
Bank OverviewWith a $5,000 initial deposit and $13,000 in total contributions over 5 years, BrioDirect's total earnings would be $130.7 lower than Presidential Bank's total earnings.
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
More Comparisons
Compare BrioDirect's APY of 4.30% with other banks
| Bank Pair | Competitor APY | Min Deposit |
|---|---|---|
| BrioDirect vs Ally Bank | 3.50% | $0 |
| BrioDirect vs American Express | 3.50% | $0 |
| BrioDirect vs Axos Bank | 4.46% | $0 |
| BrioDirect vs Bank of America | 0.01% | $100 |
| BrioDirect vs Barclays | 4.10% | $0 |
| BrioDirect vs Capital One | 3.50% | $0 |
| BrioDirect vs Chase Bank | 0.01% | $0 |
| BrioDirect vs Chime | 3.75% | $0 |
| BrioDirect vs CIT Bank | 4.00% | $100 |
| BrioDirect vs Discover Bank | 3.50% | $0 |
| BrioDirect vs Elevault | 4.60% | $0 |
| BrioDirect vs EverBank | 4.30% | $0 |
| BrioDirect vs Fitness Bank | 4.75% | $100 |
| BrioDirect vs FVCbank | 4.35% | $500 |
| BrioDirect vs GO2bank | 4.50% | $0 |
| BrioDirect vs Marcus by Goldman Sachs | 3.65% | $0 |
| BrioDirect vs Neighbors Bank | 4.60% | $0 |
| BrioDirect vs Newtek Bank | 4.35% | $0 |
| BrioDirect vs Peak Bank | 4.35% | $100 |
| BrioDirect vs Pibank | 4.60% | $0 |
| BrioDirect vs Santander Bank | 0.03% | $25 |
| BrioDirect vs SoFi Bank | 3.80% | $0 |
| BrioDirect vs Synchrony Bank | 3.80% | $0 |
| BrioDirect vs TIMBR | 4.40% | $1,000 |
| BrioDirect vs UFB Direct | 4.21% | $5000 |
| BrioDirect vs Varo Bank | 5.00% | $0 |
| BrioDirect vs Wells Fargo | 2.51% | $25 |
| BrioDirect vs Zynlo Bank | 4.35% | $10 |