BrioDirect vs. Synchrony Bank
Comparing BrioDirect and Synchrony Bank for high-yield savings: BrioDirect's High-Yield Savings Account pays 3.75% APY while Synchrony Bank's High Yield Savings pays 3.50% APY.
See how they compare on rate stability, mobile app ratings, and more below.
The Bottom Line
Who pays more interest on $10,000? BrioDirect pays $25 more than Synchrony Bank annually ($375 vs $350).
Choose BrioDirect if getting the best rate matters most, or you want Zelle for quick transfers.
| Metric | BrioDirectHigh-Yield Savings Account Mar 7, 2026 | Synchrony BankHigh Yield Savings Mar 7, 2026 |
|---|---|---|
| APY | 3.75% | 3.50% |
Est. Earnings | $5,000+$188 $10,000+$375 $25,000+$938 | $5,000+$175 $10,000+$350 $25,000+$875 |
Min Deposit | $5,000 | $0 |
Snapshot view. Rates subject to change. | ||
| Features | FDIC InsuredMod. MinimumGreat iOS AppGreat Android AppZelle® SupportedDaily CompoundingRate Changes Often | FDIC InsuredNo MinimumsGreat iOS AppGreat Android AppDaily CompoundingRate Changes Often |
Market Reality Check
Both of these banks offer rates below the current top tier. The best rates we track are currently above 4.15% APY.
Comparison Analysis
Comparing BrioDirect vs. Synchrony Bank
Executive Summary
BrioDirect offers a High-Yield Savings Account with a competitive APY of 3.75%, making it the winner among the two banks. This account has no direct deposit requirement, no maintenance fees, and requires a minimum deposit of $5,000. In contrast, Synchrony Bank's High Yield Savings account provides a slightly lower APY of 3.50% with no minimum deposit or balance requirements, also featuring no maintenance fees. Both accounts are online-only and provide daily compounding interest, but BrioDirect stands out with its higher yield.
The analysis is based on current Banksparency database records
* This content is provided for informational purposes only; always verify details with the provider.
Why BrioDirect?
- ✓Higher potential APY (3.75% vs 3.50%)
- ✓Fast transfers via Zelle®
Why Synchrony Bank?
No distinct advantages found vs BrioDirect.
— Key Feature Differences —
Better Returns at $10,000
BrioDirectBrioDirect's High-Yield Savings Account earns more on smaller deposits (approx. $375 vs $350/yr).
Better Returns at $25,000
BrioDirectBrioDirect's High-Yield Savings Account pulls ahead with larger amounts (approx. $938 vs $875/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
Synchrony BankSynchrony Bank offers an iOS app rated 4.8 (vs. 4.7) and Android app rated 4.5 (vs. 4.3)
Shared Benefits
Over a 1-year period, BrioDirect's High-Yield Savings Account pays $25 more interest on a $10,000 balance than Synchrony Bank's High Yield Savings.
*This calculation assumes current rates remain consistent for 1 year and does not include temporary bonuses.
Non-sponsored link to official site
Non-sponsored link to official site
Top Market Contenders
BrioDirect vs. Synchrony Bank Savings Calculator
You earn $25 more with BrioDirect than Synchrony Bank 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
Synchrony Bank
High Yield Savings
Savings Breakdown
- Interest Earned+$350.00(3.4%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,350.00
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
Still banking with Chase, Bank of America, or Wells Fargo?
On a $10,000 balance, you're missing out on at least $349 per year in interest.
Both BrioDirect and Synchrony Bank dramatically outperform the typical 0.01% APY at traditional big banks.
| Feature | BrioDirect | Synchrony Bank |
|---|---|---|
| APY | 3.75% Verified: 3/7/2026 ↘︎ 0.25%90d Change | 3.50% Verified: 3/7/2026 ↘︎ 0.15%90d Change |
| Product Name | High-Yield Savings Account | High Yield Savings |
| Minimum Deposit | $5,000 | $0 |
| Min. Balance for APY | $25 | $0 |
| Monthly Fee | $0 | $0 |
| Compound Frequency | Daily | Daily |
| Branch Access | None | None |
| Account Type | Online Only | Online Only |
| Physical Branches | None. You cannot make use of Webster Bank's branches. | N/A |
| Direct Deposit Req. | None | None |
| Checking Bundle | No | No |
| Mobile Apps | ||
| FDIC Insured | YesVerify FDIC | YesVerify FDIC |
| Zelle® Support | Available Accessed via the Webster Bank mobile app. | Not Supported |
| BBB Rating | B- | Not Rated |
| Next Steps | Visit SiteVerify at BrioDirect Non-sponsored link to official site | Visit SiteVerify at Synchrony Bank Non-sponsored link to official site |
📈 Compare Savings Rates Over Time
Historical Performance
| Metric | BrioDirect | Synchrony Bank |
|---|---|---|
| High-Yield Savings Account | High Yield Savings | |
Current APY | 3.75% | 3.50% |
Trend | Stable | Stable |
Velocity (bps/mo) | -7.1 | -4.1 |
Days Since Change | 85 | 39 |
12-Month High | 4.55% | 4.00% |
12-Month Low | 3.75% | 3.50% |
Adjustments / Mo | 0.58 | 0.25 |
Volatility Score | 0.066 | 0.042 |
How to read these metrics(Click to expand)
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High Rates (With Checking Bundle)
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More Comparisons
Compare BrioDirect's APY of 3.75% with other banks
| Bank Pair | Competitor APY | Min Deposit |
|---|---|---|
| BrioDirect vs Ally Bank | 3.20% | $0 |
| BrioDirect vs American Express | 3.30% | $0 |
| BrioDirect vs Axos Bank | 4.21% | $0 |
| BrioDirect vs Bank of America | 0.01% | $100 |
| BrioDirect vs Barclays | 3.85% | $0 |
| BrioDirect vs Capital One | 3.30% | $0 |
| BrioDirect vs Chase Bank | 0.01% | $0 |
| BrioDirect vs Chime | 3.00% | $0 |
| BrioDirect vs CIT Bank | 3.75% | $100 |
| BrioDirect vs Citibank | 3.20% | $0 |
| BrioDirect vs Discover Bank | 3.30% | $0 |
| BrioDirect vs EverBank | 3.90% | $0 |
| BrioDirect vs Marcus by Goldman Sachs | 3.65% | $0 |
| BrioDirect vs Newtek Bank | 4.20% | $0.01 |
| BrioDirect vs Openbank | 4.09% | $500 |
| BrioDirect vs Pibank | 4.60% | $0 |
| BrioDirect vs SoFi Bank | 4.00% | $0 |
| BrioDirect vs Varo Bank | 5.00% | $0 |
| BrioDirect vs Wealthfront | 4.20% | $0 |
| BrioDirect vs Wells Fargo | 0.05% | $25 |