Briodirect vs. Salem Five Direct
High-Yield Savings Account Comparison
By Aviel Fahl|Last Updated: November 14, 2025
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Summary of BrioDirect vs. Salem Five Direct
Key Metrics at a Glance
| Feature | BrioDirect | Salem Five Direct |
|---|---|---|
| Top Savings APY | 4.00% High-Yield Savings Account | 3.71% eOne Savings |
| Minimum to Open | $5,000 | $10 |
| Minimum Balance for Top APY | $25 | $0.01 |
BrioDirect
Strengths
- BrioDirect offers a higher APY of 4.00% compared to Salem Five Direct's 3.71%.
- BrioDirect has no maintenance fees associated with its high-yield savings account.
- BrioDirect's App Store rating is 4.7, matching Salem Five Direct's rating.
Potential Drawbacks
- BrioDirect has a lower BBB rating of B- compared to Salem Five Direct's A-.
- BrioDirect requires a higher minimum deposit of $5,000 versus Salem Five Direct's $10.
- BrioDirect's APY decreased from 4.20% over the last 30 days.
Salem Five Direct
Strengths
- Salem Five Direct has a lower minimum deposit requirement of $10.
- Salem Five Direct's BBB rating is A-, indicating better trustworthiness than BrioDirect.
- Salem Five Direct's APY is still competitive at 3.71%.
Potential Drawbacks
- Salem Five Direct's APY decreased from 4.01% in the last 30 days.
- Salem Five Direct has a slightly lower App Store rating of 4.7 compared to BrioDirect.
- Salem Five Direct's minimum balance requirement is $0.01, which may be less appealing.
→ As of November 14, 2025 BrioDirect offers an APY of 4.00% for its High-Yield Savings Account, with a minimum balance of $25, compared to Salem Five Direct's 3.71% APY for its eOne Savings account, with a minimum balance of $0.01.
→ BrioDirect yields $29 more than Salem Five Direct on a $10,000 balance after one year. BrioDirect pays $400, while Salem Five Direct pays $371 - an APY advantage for BrioDirect.
Calculate Savings Growth for BrioDirect vs Salem Five Direct
BrioDirect - High-Yield Savings Account
Total savings breakdown:
- Interest earned: $2,434.7 (11.91%)
- Total contributions: $13,000 (63.62%)
- Initial deposit: $5,000 (24.47%)
Your total balance
$20,434.70
Total balance: $20,434.7
Earnings: $2,434.7
Bank OverviewSalem Five Direct - eOne Savings
Total savings breakdown:
- Interest earned: $2,248.1 (11.10%)
- Total contributions: $13,000 (64.20%)
- Initial deposit: $5,000 (24.69%)
Your total balance
$20,248.10
Total balance: $20,248.1
Earnings: $2,248.1
Bank OverviewWith a $5,000 initial deposit and $13,000 in total contributions over 5 years, BrioDirect's total earnings would be $186.6 higher than Salem Five Direct's total earnings.
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
Compare BrioDirect's vs Salem Five Direct's Savings Accounts
| BrioDirect | Salem Five Direct | ||
|---|---|---|---|
| Product | High-Yield Savings Account | vs | eOne Savings |
| APY | 4.00% (as of 11/14/2025) | 3.71% (as of 11/14/2025) | |
| Bundled Account | No | No | |
| FDIC-insured | Yes | Yes | |
| Online Only | Yes | Yes | |
| Compound Frequency | Daily | Monthly | |
| Minimum Deposit | $5,000 | $10 | |
| Minimum Balance for APY | $25 | $0.01 | |
| Maintenance Fee | $0 | $0 | |
| Direct Deposit Required | No | No | |
| App Store Rating | 4.7/5 | 4.7/5 | |
| Google Play Rating | 4.3/5 | 4.2/5 | |
| BBB Rating | B- | A- |
Comparative Historical APY Insights (Last 10 Months)
| BrioDirect | Salem Five Direct | ||
|---|---|---|---|
| Product | High-Yield Savings Account | vs | eOne Savings |
| Latest APY | 4.00 % | 3.71 % | |
| Trend | Sideways | Sideways | |
| Slope (bps/mo) | -4.5 | -1.6 | |
| Rate Changes / Mo | 0.61 | 0.20 | |
| Days Since Last Change | 14 | 9 | |
| High (-10 m) | 4.55 % | 4.01 % | |
| Low (-10 m) | 4.00 % | 3.71 % | |
| Draw-down from High | -12.1 % | -7.5 % | |
| Volatility (CV) | 0.034 | 0.020 |
APY Insights Glossary
- Latest APY
- Most recent advertised annual-percentage yield.
- Trend
- Direction over the last 10 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 (-10 m)
- Highest APY in the last 297 days.
- Low (-10 m)
- Lowest APY in the last 297 days.
- Draw-down from High
- How far today sits below the 10-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.