BrioDirect vs. Upgrade
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
Upgrade
Premier Savings
3.05%APYDec 10, 2025FDIC InsuredLow MinimumsGreat iOS AppGreat Android AppShow Fine Print & Trends Hide Details
Upgrade
Premier 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. Upgrade Savings Calculator
BrioDirect earns $605.1 more than Upgrade.
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
Upgrade
Premier Savings
Savings Breakdown
- Interest Earned+$1,829.60(9.2%)
- Total Contributions$13,000
- Initial Deposit$5,000
Projected Balance
$19,829.60
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
Comparison Analysis
Comparing BrioDirect vs. Upgrade
Why BrioDirect?
- ✓Higher potential APY (4.00% vs 3.05%)
Why Upgrade?
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 $305/yr).
Better Returns at $25,000
BrioDirectBrioDirect's High-Yield Savings Account pulls ahead with larger amounts (approx. $1000 vs $763/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
UpgradeUpgrade offers an iOS app rated 4.9 (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 $95 more interest on a $10,000 balance than Upgrade's Premier Savings.
*This calculation assumes current rates remain consistent for 1 year and does not include temporary bonuses.
Executive Summary
BrioDirect offers a competitive High-Yield Savings Account with an attractive 4.00% APY, making it the clear winner among the two banks. This account requires a minimum deposit of $5,000 and has no direct deposit requirement, providing simplicity for savers. In comparison, Upgrade's Premier Savings account yields a lower APY of 3.05%, with a minimum balance requirement of $1,000. Both accounts are online-only and do not charge maintenance fees. While Upgrade is noted for its excellent mobile app experience, BrioDirect stands out with better returns, particularly for larger deposits.
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 Upgrade.
| Feature | BrioDirect | Upgrade |
|---|---|---|
| APY | 4.00% Verified: 12/10/2025 ↘︎ 0.30%90d Change | 3.05% Verified: 12/10/2025 ↘︎ 0.97%90d Change |
| Product Name | High-Yield Savings Account | Premier Savings |
| Minimum Deposit | $5,000 | $0 |
| Min. Balance for APY | $25 | $1,000 |
| 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 | iOS4.9 Android4.5 |
| BBB Rating | B- | A+ |
| Next Steps |
📈 Compare Savings Rates Over Time
Historical Performance
| Metric | BrioDirect | Upgrade |
|---|---|---|
| High-Yield Savings Account | Premier Savings | |
Current APY | 4.00% | 3.05% |
Trend | Stable | Stable |
Velocity (bps/mo) | -5.1 | -10.4 |
Days Since Change | 40 | 39 |
11-Month High | 4.55% | 4.14% |
11-Month Low | 4.00% | 3.05% |
Adjustments / Mo | 0.56 | 0.28 |
Volatility Score | 0.040 | 0.105 |
How to read these metrics(Click to expand)
Compare Similar High-Yield Accounts
Compare BrioDirect vs...
Comparing against Standard Savings
Compare Upgrade vs...
Comparing against Standard Savings
Higher Rates (With Checking)
Looking for something different? Check out these top-rated alternatives.