BrioDirect vs. TD Bank
Compare rates, requirements, and features side-by-side to find the best option for you.
BrioDirect
High-Yield Savings Account
4.00%APYDec 10, 2025FDIC InsuredMod. MinimumGreat iOS AppGreat Android AppShow Fine Print & Trends Hide Details
BrioDirect
High-Yield Savings Account
TD Bank
TD Signature Savings
Up to2.75%APYDec 10, 2025FDIC InsuredHigh MinimumChecking BundleGreat iOS AppGreat Android AppIn-Person AccessRange: 0.05% – 2.75%Show Fine Print & Trends Hide Details
TD Bank
TD Signature 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.
BrioDirect vs. TD Bank Savings Calculator
BrioDirect earns $2,406.1 more than TD 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
TD Bank
TD Signature Savings
Higher APY requires $100,000
Savings Breakdown
- Interest Earned+$28.60(0.2%)
- Total Contributions$13,000
- Initial Deposit$5,000
Projected Balance
$18,028.60
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
Comparison Analysis
Comparing BrioDirect vs. TD Bank
Why BrioDirect?
- ✓Higher potential APY (4.00% vs 2.75%) on all balances
- ✓No checking account or direct deposit required
Why TD Bank?
- ✓Physical branch access (Multiple branches in CT, DE, FL, ME, MD, MA, NH, NJ, NY, NC, PA, RI, SC, VT, VA, DC)
— Key Feature Differences —
Better Returns at $10,000
BrioDirectBrioDirect's High-Yield Savings Account earns more on smaller deposits (approx. $400 vs $0/yr).
Better Returns at $25,000
BrioDirectBrioDirect's High-Yield Savings Account pulls ahead with larger amounts (approx. $1000 vs $0/yr).
Best for Simplicity
BrioDirectBrioDirect's High-Yield Savings Account offers 4.00% APY with no bundling, direct deposit requirement or caps.
Shared Benefits
Over a 1-year period, BrioDirect's High-Yield Savings Account pays $395 more interest on a $10,000 balance than TD Bank's TD Signature Savings.
*This calculation assumes current rates remain consistent for 1 year and does not include temporary bonuses.
Executive Summary
BrioDirect offers a High-Yield Savings Account with a competitive APY of 4.00%, making it the more attractive option compared to TD Bank's TD Signature Savings, which provides a maximum APY of 2.75% under specific conditions. BrioDirect's account requires a minimum deposit of $5,000 and has no maintenance fees or direct deposit requirements, while TD Bank's account necessitates a minimum balance of $100,000 to achieve the higher rate and has a monthly maintenance fee that can be waived under certain circumstances. Both accounts are FDIC insured, but BrioDirect operates online only.
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 TD Bank.
| Feature | BrioDirect | TD Bank |
|---|---|---|
| APY | 4.00% Verified: 12/10/2025 ↘︎ 0.30%90d Change | 2.75% Range: 0.05% - 2.75% Verified: 12/10/2025 ↘︎ 0.25%90d Change |
| Product Name | High-Yield Savings Account | TD Signature Savings |
| Minimum Deposit | $5,000 | $0 |
| Min. Balance for APY | $25 | $100,000 |
| Monthly Fee | $0 | $10. Waived under some circumstances. |
| Branch Access | None | Yes |
| Account Type | Online Only | Online & Branches |
| Direct Deposit Req. | None | None |
| Checking Bundle | No | Yes |
| Mobile Apps | iOS4.7 Android4.3 | iOS4.8 Android4.0 |
| BBB Rating | B- | Not Rated |
| Important Notes | - | This is a tiered savings account where rates may vary on location and whether you're eligible for the Bump Rate. 2.75% is available when you link an eligible TD account and have a minimum balance of $100,000. Otherwise 0.05% is the maximum APY. |
| Next Steps |
📈 Compare Savings Rates Over Time
Historical Performance
| Metric | BrioDirect | TD Bank |
|---|---|---|
| High-Yield Savings Account | TD Signature Savings | |
Current APY | 4.00% | 2.75% |
Trend | Stable | Stable |
Velocity (bps/mo) | -5.1 | -8.3 |
Days Since Change | 40 | 68 |
10-Month High | 4.55% | 3.70% |
10-Month Low | 4.00% | 2.75% |
Adjustments / Mo | 0.57 | 0.38 |
Volatility Score | 0.040 | 0.085 |
How to read these metrics(Click to expand)
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