BrioDirect vs. Synchrony Bank
Compare rates, requirements, and features side-by-side to find the best option for you.
| Metric | BrioDirectHigh-Yield Savings Account Jan 21, 2026 | Synchrony BankHigh Yield Savings Jan 21, 2026 |
|---|---|---|
| APY | 3.75% | 3.65% |
Est. Earnings | $5,000+$188 $10,000+$375 $25,000+$938 | $5,000+$183 $10,000+$365 $25,000+$912 |
Min Deposit | $5,000 | $0 |
Snapshot view. Rates subject to change. | ||
| Features | FDIC InsuredMod. MinimumGreat iOS AppGreat Android AppZelle® Supported | FDIC InsuredNo MinimumsGreat iOS AppGreat Android App |
Market Reality Check
Both of these banks offer rates below the current top tier. The best rates we track are currently above 4.20% APY.
Comparison Analysis
Comparing BrioDirect vs. Synchrony Bank
As of BrioDirect offers an APY of 3.75% for its High-Yield Savings Account, with a minimum balance of $25, compared to Synchrony Bank's 3.65% APY for its High Yield Savings account, with a minimum balance of $0.
BrioDirect pays $10 more than Synchrony Bank on a $10,000 balance after one year. BrioDirect pays $375, while Synchrony Bank pays $365 - an APY advantage for BrioDirect.
Why BrioDirect?
- ✓Fast transfers via Zelle®
Why Synchrony Bank?
No distinct advantages found vs BrioDirect.
— Key Feature Differences —
Better Returns at $25,000
BrioDirectBrioDirect's High-Yield Savings Account pulls ahead with larger amounts (approx. $938 vs $912/yr).
Shared Benefits
Over a 1-year period, BrioDirect's High-Yield Savings Account pays $10 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.
Executive Summary as of
BrioDirect offers a High-Yield Savings Account with an APY of 3.75%, making it the superior choice compared to Synchrony Bank's High Yield Savings, which has an APY of 3.65%. Both accounts are online-only, have no maintenance fees, and do not require direct deposit. BrioDirect requires a minimum deposit of $5,000 and a minimum balance of $25, while Synchrony Bank has no minimum deposit or balance requirements. For those looking for higher returns, BrioDirect's account is the recommended option.
The analysis is based on current Banksparency database records
* This content is provided for informational purposes only; always verify details with the provider.
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Top Market Contenders
BrioDirect vs. Synchrony Bank Savings Calculator
You earn $10 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+$365.00(3.5%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,365.00
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
| Feature | BrioDirect | Synchrony Bank |
|---|---|---|
| APY | 3.75% Verified: 1/21/2026 ↘︎ 0.45%90d Change | 3.65% Verified: 1/21/2026 ↘︎ 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 |
| Branch Access | None | None |
| Account Type | Online Only | Online Only |
| Direct Deposit Req. | None | None |
| Checking Bundle | No | No |
| Mobile Apps | iOS4.7 Android4.4 | iOS4.8 Android4.5 |
| 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% | 3.65% |
Trend | Stable | Stable |
Velocity (bps/mo) | -6.5 | -3.5 |
Days Since Change | 40 | 64 |
12-Month High | 4.55% | 4.10% |
12-Month Low | 3.75% | 3.65% |
Adjustments / Mo | 0.58 | 0.25 |
Volatility Score | 0.060 | 0.035 |
How to read these metrics(Click to expand)
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High Rates (With Checking Bundle)
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