High-Yield Savings Account Comparison

BrioDirect vs. Sallie Mae Bank

Compare rates, requirements, and features side-by-side to find the best option for you.

Analysis by Aviel Fahl
Updated December 10, 2025

BrioDirect

High-Yield Savings Account

4.00%
APY
Dec 10, 2025
FDIC InsuredMod. MinimumGreat iOS AppGreat Android App
Show Fine Print & Trends
Min. Deposit$5,000
Min. Balance$25
Maintenance Fee$0
Compound FreqDaily
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 18221)
EligibilityUnited States
Mobile Ratings
BBB Rating

Rate Stability

Rate Adjusted
-0.30%
Since 90 days ago

Sallie Mae Bank

High-Yield Savings Account

3.90%
APY
Dec 10, 2025
FDIC InsuredNo Minimums
Show Fine Print & Trends
Min. Deposit$0
Min. Balance$0
Maintenance Fee$0
Compound FreqDaily
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 58177)
EligibilityUnited States
Mobile Ratings
BBB Rating

Rate Stability

Very StableNo rate changes in last 90 days

Market Reality Check

Both of these banks offer rates below the current top tier. The best rates we track are currently above 4.25% APY.

See Top Rates

BrioDirect vs. Sallie Mae Bank Savings Calculator

Calculations based on current APY for High-Yield Savings Account and High-Yield Savings Account
$
$

BrioDirect earns $64.5 more than Sallie Mae Bank.

BrioDirect

High-Yield Savings Account

4.00% APY

Savings Breakdown

  • Interest Earned
    +$2,434.70(11.9%)
  • Total Contributions
    $13,000
  • Initial Deposit
    $5,000

Projected Balance

$20,434.70

Effective APY
4.00%

Sallie Mae Bank

High-Yield Savings Account

3.90% APY

Savings Breakdown

  • Interest Earned
    +$2,370.20(11.6%)
  • Total Contributions
    $13,000
  • Initial Deposit
    $5,000

Projected Balance

$20,370.20

Effective APY
3.90%

The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.

Comparison Analysis

Comparing BrioDirect vs. Sallie Mae Bank

Updated: Dec 10, 2025

Why BrioDirect?

  • Higher rated iOS app (4.7 vs 1.5)
  • Higher rated Android app (4.3 vs 1.6)

Why Sallie Mae Bank?

No distinct advantages found vs BrioDirect.

— Key Feature Differences —

Best Mobile App Experience
BrioDirect

BrioDirect offers an iOS app rated 4.7 (vs. 1.5) and Android app rated 4.3 (vs. 1.6)

Shared Benefits

Both offer monthly maintenance-free account options Available Nationwide Available to New & Existing Customers
The Bottom Line on APY (Interest Only)

Over a 1-year period, BrioDirect's High-Yield Savings Account pays $10 more interest on a $10,000 balance than Sallie Mae Bank's High-Yield Savings Account.

*This calculation assumes current rates remain consistent for 1 year and does not include temporary bonuses.

Sallie Mae BankBrioDirect
Automated Data Audit

Executive Summary

BrioDirect offers a High-Yield Savings Account with a competitive APY of 4.00%, making it the winner in this comparison. This account requires a minimum deposit of $5,000 but has no maintenance fees and allows for daily compounding. Additionally, BrioDirect is noted for its superior mobile app experience, with high ratings on both iOS and Android. In contrast, Sallie Mae Bank provides a similar High-Yield Savings Account with a slightly lower APY of 3.90% and no minimum deposit requirement. Both accounts are online-only and do not require direct deposit.

Analysis generated based on current Banksparency database records

* AI-generated content provided for informational purposes only. Accuracy is not guaranteed; always verify details with the provider.

Top Market Contenders

See who beats both BrioDirect and Sallie Mae Bank.

Compare All High-Yield Savings Accounts
Pibank
Pibank Savings
FDIC InsuredNo Minimums
4.60% APY
+0.60% vs BrioDirect
Better Rate
Axos Bank
Axos ONE
FDIC InsuredNo MinimumsGreat iOS AppGreat Android App
4.31% APY
+0.31% vs BrioDirect
Better Rate
TIMBR
Premium Savings Account
FDIC InsuredLow Minimums
4.40% APY
+0.40% vs BrioDirect
Better Rate
FeatureBrioDirectSallie Mae Bank
APY
4.00%
Verified: 12/10/2025
↘︎ 0.30%90d Change
3.90%
Verified: 12/10/2025
Stable (90d)
Product NameHigh-Yield Savings AccountHigh-Yield Savings Account
Minimum Deposit$5,000$0
Min. Balance for APY$25$0
Monthly Fee$0$0
Branch AccessNoneNone
Account Type
Online Only
Online Only
Direct Deposit Req.NoneNone
Checking BundleNoNo
Mobile Apps
iOS4.7
Android4.3
iOS1.5
Android1.6
BBB RatingB-A+
Next Steps

📈 Compare Savings Rates Over Time

Historical Performance

Last 11 Months Analysis
MetricBrioDirectSallie Mae Bank
High-Yield Savings AccountHigh-Yield Savings Account
Current APY
4.00%3.90%
Trend
Stable Stable
Velocity (bps/mo)
-5.1-0.1
Days Since Change
40313
11-Month High
4.55%4.00%
11-Month Low
4.00%3.90%
Adjustments / Mo
0.560.09
Volatility Score
0.0400.004
How to read these metrics(Click to expand)

Trends & Velocity

  • Trend: The general direction of the rate over the analyzed period. Useful for spotting if a bank is currently aggressive or pulling back.
  • Velocity (bps/mo): Speed of change. A high positive number means they raise rates quickly. 10 bps = 0.10%.
  • Adjustments/Mo: "Twitchiness." High frequency means the rate changes constantly; low frequency means it's stable.

Risk & Range

  • High/Low: The absolute ceiling and floor of the rate during the 322-day window.
  • Volatility Score: Lower is better for predictability. It indicates how wildly the rate swings relative to its average.
  • Days Since Change: If this number is high (e.g., >90), the rate is very sticky. If low, it changed recently.

More Comparisons

Compare BrioDirect's APY of 4.00% with other banks
Bank PairCompetitor APYMin Deposit
BrioDirect vs Affirm3.60%$0
BrioDirect vs Ally Bank3.30%$0
BrioDirect vs American Express3.40%$0
BrioDirect vs Axos Bank4.31%$0
BrioDirect vs Bank of America0.01%$100
BrioDirect vs Barclays4.00%$0
BrioDirect vs Bask Bank3.90%$0
BrioDirect vs Betterment3.50%$10
BrioDirect vs BMO Alto3.25%$0
BrioDirect vs Bread Savings4.10%$100
BrioDirect vs Capital One3.40%$0
BrioDirect vs Charles Schwab Bank0.15%$0
BrioDirect vs Chase Bank0.01%$0
BrioDirect vs Chime3.50%$0
BrioDirect vs CIT Bank3.75%$100
BrioDirect vs Citibank3.30%$0
BrioDirect vs Citizens Access™3.15%$0.01
BrioDirect vs Climate First Bank4.21%$50
BrioDirect vs Discover Bank3.40%$0
BrioDirect vs E*TRADE from Morgan Stanley3.75%$0
BrioDirect vs Elevault4.08%$0
BrioDirect vs EverBank4.05%$0
BrioDirect vs Fitness Bank4.75%$100
BrioDirect vs FNBO Direct3.00%$1
BrioDirect vs Forbright Bank4.00%$0
BrioDirect vs FVCbank3.85%$500
BrioDirect vs GO2bank4.50%$0
BrioDirect vs Ivy Bank4.25%$2,500
BrioDirect vs LendingClub4.20%$0
BrioDirect vs Marcus by Goldman Sachs3.65%$0
BrioDirect vs Neighbors Bank4.30%$0
BrioDirect vs Newtek Bank4.35%$0.01
BrioDirect vs Openbank4.20%$500
BrioDirect vs Peak Bank4.20%$100
BrioDirect vs Pibank4.60%$0
BrioDirect vs PNC3.53%$0
BrioDirect vs Presidential Bank4.00%$5,000
BrioDirect vs Quontic Bank3.75%$100
BrioDirect vs Salem Five Direct3.71%$10
BrioDirect vs Santander Bank0.01%$25
BrioDirect vs SoFi Bank4.30%$0
BrioDirect vs Synchrony Bank3.65%$0
BrioDirect vs TD Bank2.75%$0
BrioDirect vs TIMBR4.40%$1,000
BrioDirect vs UFB Direct3.71%$5000
BrioDirect vs Upgrade3.05%$0
BrioDirect vs Valley Direct4.10%$1,000
BrioDirect vs Varo Bank5.00%$0
BrioDirect vs Vio Bank4.16%$100
BrioDirect vs Wealthfront4.15%$0
BrioDirect vs Wells Fargo0.05%$25
BrioDirect vs Zynlo Bank4.05%$10
Compare Sallie Mae Bank's APY of 3.90% with other banks
Bank PairCompetitor APYMin Deposit
Sallie Mae Bank vs Affirm3.60%$0
Sallie Mae Bank vs Ally Bank3.30%$0
Sallie Mae Bank vs American Express3.40%$0
Sallie Mae Bank vs Axos Bank4.31%$0
Sallie Mae Bank vs Bank of America0.01%$100
Sallie Mae Bank vs Barclays4.00%$0
Sallie Mae Bank vs Bask Bank3.90%$0
Sallie Mae Bank vs Betterment3.50%$10
Sallie Mae Bank vs BMO Alto3.25%$0
Sallie Mae Bank vs Bread Savings4.10%$100
Sallie Mae Bank vs Capital One3.40%$0
Sallie Mae Bank vs Charles Schwab Bank0.15%$0
Sallie Mae Bank vs Chase Bank0.01%$0
Sallie Mae Bank vs Chime3.50%$0
Sallie Mae Bank vs CIT Bank3.75%$100
Sallie Mae Bank vs Citibank3.30%$0
Sallie Mae Bank vs Citizens Access™3.15%$0.01
Sallie Mae Bank vs Climate First Bank4.21%$50
Sallie Mae Bank vs Discover Bank3.40%$0
Sallie Mae Bank vs E*TRADE from Morgan Stanley3.75%$0
Sallie Mae Bank vs Elevault4.08%$0
Sallie Mae Bank vs EverBank4.05%$0
Sallie Mae Bank vs Fitness Bank4.75%$100
Sallie Mae Bank vs FNBO Direct3.00%$1
Sallie Mae Bank vs Forbright Bank4.00%$0
Sallie Mae Bank vs FVCbank3.85%$500
Sallie Mae Bank vs GO2bank4.50%$0
Sallie Mae Bank vs Ivy Bank4.25%$2,500
Sallie Mae Bank vs LendingClub4.20%$0
Sallie Mae Bank vs Marcus by Goldman Sachs3.65%$0
Sallie Mae Bank vs Neighbors Bank4.30%$0
Sallie Mae Bank vs Newtek Bank4.35%$0.01
Sallie Mae Bank vs Openbank4.20%$500
Sallie Mae Bank vs Peak Bank4.20%$100
Sallie Mae Bank vs Pibank4.60%$0
Sallie Mae Bank vs PNC3.53%$0
Sallie Mae Bank vs Presidential Bank4.00%$5,000
Sallie Mae Bank vs Quontic Bank3.75%$100
Sallie Mae Bank vs Salem Five Direct3.71%$10
Sallie Mae Bank vs Santander Bank0.01%$25
Sallie Mae Bank vs SoFi Bank4.30%$0
Sallie Mae Bank vs Synchrony Bank3.65%$0
Sallie Mae Bank vs TD Bank2.75%$0
Sallie Mae Bank vs TIMBR4.40%$1,000
Sallie Mae Bank vs UFB Direct3.71%$5000
Sallie Mae Bank vs Upgrade3.05%$0
Sallie Mae Bank vs Valley Direct4.10%$1,000
Sallie Mae Bank vs Varo Bank5.00%$0
Sallie Mae Bank vs Vio Bank4.16%$100
Sallie Mae Bank vs Wealthfront4.15%$0
Sallie Mae Bank vs Wells Fargo0.05%$25
Sallie Mae Bank vs Zynlo Bank4.05%$10