Briodirect vs Ufb Direct
High-Yield Savings Accounts Comparison
Last Updated: September 5, 2025
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Summary of BrioDirect vs. UFB Direct
As of September 5, 2025 BrioDirect offers an APY of 4.30% for its High-Yield Savings Account, with a minimum balance of $25, compared to UFB Direct's 4.21% APY for its UFB Checking and Savings Bundle account, with a minimum balance of $10,000.
BrioDirect yields $9 more than UFB Direct on a $10,000 balance after one year. BrioDirect pays $430, while UFB Direct pays $421 - an APY advantage for BrioDirect.
In addition, UFB Direct also offers 4.01% APY for the UFB Portfolio Savings account.
BrioDirect
Strengths
- BrioDirect offers a higher APY of 4.30% compared to UFB Direct's highest APY of 4.21%.
- BrioDirect has no minimum balance requirement for its High-Yield Savings Account.
- BrioDirect's App Store rating is 4.7, slightly lower than UFB Direct's 4.8.
Potential Drawbacks
- BrioDirect has a lower BBB rating of B- and is not BBB Accredited.
- BrioDirect requires a minimum deposit of $5,000 for its High-Yield Savings Account.
- BrioDirect does not offer a direct deposit option for its account.
UFB Direct
Strengths
- UFB Direct has a higher BBB rating of A+ and is BBB Accredited.
- UFB Direct offers a Portfolio Savings account with an APY of 4.01% and no minimum balance.
- UFB Direct's Google Play rating is 4.7, higher than BrioDirect's 4.3.
Potential Drawbacks
- UFB Direct's highest APY of 4.21% requires a minimum balance of $10,000 and direct deposits.
- UFB Direct requires a minimum deposit of $5,000 for its UFB Checking and Savings Bundle.
- UFB Direct's High-Yield Savings Account has a lower APY compared to BrioDirect's offering.
Summary: BrioDirect offers a higher APY of 4.30% without a minimum balance requirement, while UFB Direct has a lower APY of 4.21% but is BBB Accredited with a better rating. UFB Direct's Portfolio Savings account offers a lower APY of 4.01% with no minimum balance. Both banks require a minimum deposit of $5,000 for their main accounts, but BrioDirect does not offer a direct deposit option, unlike UFB Direct.
Compare BrioDirect's vs UFB Direct's Savings Accounts
| BrioDirect | UFB Direct | |||
|---|---|---|---|---|
| Product | High-Yield Savings Account | vs | UFB Checking and Savings Bundle | UFB Portfolio Savings |
| APY | 4.30% (as of 9/5/2025) | 4.01% - 4.21% (as of 9/5/2025) | 4.01% (as of 9/5/2025) | |
| Bundled Account | No | No | No | |
| FDIC-insured | Yes | Yes | Yes | |
| Online Only | Yes | Yes | Yes | |
| Compound Frequency | Daily | Daily | Daily | |
| Minimum Deposit | $5,000 | $5000 | $0 | |
| Minimum Balance for APY | $25 | $10,000 | $0 | |
| Maintenance Fee | $0 | $0 | $0 | |
| Direct Deposit Required | No | Yes | No | |
| Note | The regular savings or money market APY may be boosted up to 4.21% by direct deposits, minimum balance of $10,000 and making 10 approved debit card transactions per statement cycle. See bank for full details. | |||
| Sponsored Link | LEARN MORE at UFB Direct, Member FDIC | LEARN MORE at UFB Direct, Member FDIC | ||
| App Store Rating | 4.7/5 | 4.8/5 | ||
| Google Play Rating | 4.3/5 | 4.7/5 | ||
| BBB Rating | B- | A+ | ||
Comparative Historical APY Insights (Last 7 Months)
| BrioDirect | UFB Direct | |||
|---|---|---|---|---|
| Product | High-Yield Savings Account | vs | UFB Checking and Savings Bundle | UFB Portfolio Savings |
| Latest APY | 4.30 % | 4.21 % | 4.01 % | |
| Trend | Sideways | Sideways | Sideways | |
| Slope (bps/mo) | -4.5 | -0.0 | 0.0 | |
| Rate Changes / Mo | 0.53 | 0.00 | 0.00 | |
| Days Since Last Change | 108 | 203 | 226 | |
| High (-7 m) | 4.55 % | 4.21 % | 4.01 % | |
| Low (-7 m) | 4.30 % | 4.21 % | 4.01 % | |
| Draw-down from High | -5.5 % | 0.0 % | 0.0 % | |
| Volatility (CV) | 0.024 | 0.000 | 0.000 | |
APY Insights Glossary
- Latest APY
- Most recent advertised annual-percentage yield.
- Trend
- Direction over the last 7 months (regression slope).
- Slope (bps/mo)
- Average monthly change; 10 bps = 0.10 pp.
- Rate Changes / Mo
- Typical number of APY moves per month.
- Days Since Last Change
- Recency of the latest APY adjustment.
- High (-7 m)
- Highest APY in the last 226 days.
- Low (-7 m)
- Lowest APY in the last 226 days.
- Draw-down from High
- How far today sits below the 7-month peak.
- Volatility (CV)
- Coefficient of variation = stdev ÷ mean.
Why Track Savings-Account APYs?
- See how quickly a bank reacts to Fed moves or competition.
- Gauge “twitchiness” - frequent moves can annoy savers.
- Spot if you're buying near a peak (draw-down) or riding a rise.
- Slope (bps/mo) shows speed of change.
- Volatility (CV) scales jumps by average level.
Calculate Savings Growth for BrioDirect vs UFB Direct
All calculations are based on APY.
BrioDirect
APY: 4.30%
Total savings breakdown:
- Interest earned: $2,629.4 (12.75%)
- Total contributions: $13,000 (63.02%)
- Initial deposit: $5,000 (24.24%)
Your total balance
$20,629.40
Effective APY: 4.30% (based on your deposit and contributions)
Total balance: $20,629.4
Earnings: $2,629.4
Bank OverviewUFB Direct
APY: 4.21%
⚠️The higher APY only applies once your balance reaches $10,000.
Total savings breakdown:
- Interest earned: $2,541.6 (12.37%)
- Total contributions: $13,000 (63.29%)
- Initial deposit: $5,000 (24.34%)
Your total balance
$20,541.60
Effective APY: 4.17% (based on your deposit and contributions)
Total balance: $20,541.6
Earnings: $2,541.6
With a $5,000 initial deposit and $13,000 in total contributions over 5 years, BrioDirect's total earnings would be $87.8 higher than UFB Direct's total earnings.
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
More Comparisons
Compare BrioDirect's APY of 4.30% with other banks
| Bank Pair | Competitor APY | Min Deposit |
|---|---|---|
| BrioDirect vs Ally Bank | 3.50% | $0 |
| BrioDirect vs American Express | 3.50% | $0 |
| BrioDirect vs Axos Bank | 4.46% | $0 |
| BrioDirect vs Bank of America | 0.01% | $100 |
| BrioDirect vs Barclays | 4.10% | $0 |
| BrioDirect vs Capital One | 3.50% | $0 |
| BrioDirect vs Chase Bank | 0.01% | $0 |
| BrioDirect vs Chime | 3.75% | $0 |
| BrioDirect vs CIT Bank | 4.00% | $100 |
| BrioDirect vs Discover Bank | 3.50% | $0 |
| BrioDirect vs Elevault | 4.60% | $0 |
| BrioDirect vs EverBank | 4.30% | $0 |
| BrioDirect vs Fitness Bank | 4.75% | $100 |
| BrioDirect vs FVCbank | 4.35% | $500 |
| BrioDirect vs GO2bank | 4.50% | $0 |
| BrioDirect vs Marcus by Goldman Sachs | 3.65% | $0 |
| BrioDirect vs Neighbors Bank | 4.60% | $0 |
| BrioDirect vs Newtek Bank | 4.35% | $0 |
| BrioDirect vs Peak Bank | 4.35% | $100 |
| BrioDirect vs Pibank | 4.60% | $0 |
| BrioDirect vs Presidential Bank | 4.50% | $5,000 |
| BrioDirect vs Santander Bank | 0.03% | $25 |
| BrioDirect vs SoFi Bank | 3.80% | $0 |
| BrioDirect vs Synchrony Bank | 3.80% | $0 |
| BrioDirect vs TIMBR | 4.40% | $1,000 |
| BrioDirect vs Varo Bank | 5.00% | $0 |
| BrioDirect vs Wells Fargo | 2.51% | $25 |
| BrioDirect vs Zynlo Bank | 4.35% | $10 |
Compare UFB Direct's APY of 4.21% with other banks
| Bank Pair | Competitor APY | Min Deposit |
|---|---|---|
| UFB Direct vs Ally Bank | 3.50% | $0 |
| UFB Direct vs American Express | 3.50% | $0 |
| UFB Direct vs Bank of America | 0.01% | $100 |
| UFB Direct vs Barclays | 4.10% | $0 |
| UFB Direct vs Capital One | 3.50% | $0 |
| UFB Direct vs Chase Bank | 0.01% | $0 |
| UFB Direct vs Chime | 3.75% | $0 |
| UFB Direct vs CIT Bank | 4.00% | $100 |
| UFB Direct vs Discover Bank | 3.50% | $0 |
| UFB Direct vs Elevault | 4.60% | $0 |
| UFB Direct vs EverBank | 4.30% | $0 |
| UFB Direct vs Fitness Bank | 4.75% | $100 |
| UFB Direct vs FVCbank | 4.35% | $500 |
| UFB Direct vs GO2bank | 4.50% | $0 |
| UFB Direct vs Marcus by Goldman Sachs | 3.65% | $0 |
| UFB Direct vs Neighbors Bank | 4.60% | $0 |
| UFB Direct vs Newtek Bank | 4.35% | $0 |
| UFB Direct vs Peak Bank | 4.35% | $100 |
| UFB Direct vs Pibank | 4.60% | $0 |
| UFB Direct vs Presidential Bank | 4.50% | $5,000 |
| UFB Direct vs Santander Bank | 0.03% | $25 |
| UFB Direct vs SoFi Bank | 3.80% | $0 |
| UFB Direct vs Synchrony Bank | 3.80% | $0 |
| UFB Direct vs TIMBR | 4.40% | $1,000 |
| UFB Direct vs Varo Bank | 5.00% | $0 |
| UFB Direct vs Wells Fargo | 2.51% | $25 |
| UFB Direct vs Zynlo Bank | 4.35% | $10 |