BrioDirect vs. Synchrony Bank
Compare rates, requirements, and features side-by-side to find the best option for you.
BrioDirect
High-Yield Savings Account
4.00%APYDec 6, 2025FDIC InsuredMod. MinimumGreat iOS AppGreat Android AppShow Fine Print & Trends Hide Details
BrioDirect
High-Yield Savings Account
Synchrony Bank
High Yield Savings
3.65%APYDec 6, 2025FDIC InsuredNo MinimumsGreat iOS AppGreat Android AppShow Fine Print & Trends Hide Details
Synchrony Bank
High Yield Savings
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.
Comparison Analysis
Comparing BrioDirect vs. Synchrony Bank
Why BrioDirect?
- ✓Higher potential APY (4.00% vs 3.65%) on all balances
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. $400 vs $365/yr).
Better Returns at $25,000
BrioDirectBrioDirect's High-Yield Savings Account pulls ahead with larger amounts (approx. $1000 vs $913/yr).
Best for Simplicity
BrioDirectBrioDirect's High-Yield Savings Account offers 4.00% 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 $35 more interest on a $10,000 balance than Synchrony Bank's High Yield Savings.
Executive Summary
BrioDirect offers a High-Yield Savings Account with a competitive APY of 4.00%, making it the superior choice for savers seeking higher returns, especially on larger deposits. In comparison, Synchrony Bank's High Yield Savings provides a lower APY of 3.65%. Both accounts have no maintenance fees and are online-only, with BrioDirect requiring a minimum deposit of $5,000 to open, while Synchrony has no minimum deposit requirement. Notably, BrioDirect does not mandate direct deposit, enhancing its accessibility for users.
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 Synchrony Bank.
| Feature | BrioDirect | Synchrony Bank |
|---|---|---|
| APY | 4.00% Verified: 12/6/2025 ↘︎ 0.30%90d Change | 3.65% Verified: 12/6/2025 ↘︎ 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 |
| Branch Access | None | None |
| Account Type | Online Only | Online Only |
| Direct Deposit Req. | None | None |
| Checking Bundle | No | No |
| Mobile Apps | iOS4.7 Android4.3 | iOS4.8 Android4.5 |
| BBB Rating | B- | Not Rated |
| Next Steps |
Savings Comparison
BrioDirect earns $225 more than Synchrony Bank.
BrioDirect
High-Yield Savings Account
Savings Breakdown
- Interest Earned+$2,434.70(11.9%)
- Total Contributions$13,000
- Initial Deposit$5,000
Projected Balance
$20,434.70
Synchrony Bank
High Yield Savings
Savings Breakdown
- Interest Earned+$2,209.70(10.9%)
- Total Contributions$13,000
- Initial Deposit$5,000
Projected Balance
$20,209.70
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
📈 Compare Savings Rates Over Time
Historical Performance
| Metric | BrioDirect | Synchrony Bank |
|---|---|---|
| High-Yield Savings Account | High Yield Savings | |
Current APY | 4.00% | 3.65% |
Trend | Stable | Stable |
Velocity (bps/mo) | -5.0 | -3.4 |
Days Since Change | 36 | 18 |
10-Month High | 4.55% | 4.10% |
10-Month Low | 4.00% | 3.65% |
Adjustments / Mo | 0.57 | 0.28 |
Volatility Score | 0.040 | 0.031 |
How to read these metrics(Click to expand)
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