High-Yield Savings Account Comparison

BrioDirect vs. Valley Direct

Compare rates, requirements, and features side-by-side to find the best option for you.

Analysis by Aviel Fahl
Updated December 6, 2025
Advertising Disclosure: We may earn a commission from partner links.

BrioDirect

High-Yield Savings Account

4.00%
APY
Dec 6, 2025
FDIC InsuredMod. MinimumGreat iOS AppGreat Android App
Show Fine Print & Trends
Min. Deposit$5,000
Min. Balance$25
Maintenance Fee$0
Compound FreqDaily
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 18221)
EligibilityUnited States
Mobile Ratings
iOS:4.7Android:4.3
BBB Rating
B-(Not BBB Accredited)

Rate Stability

Rate Adjusted
-0.30%
Since 90 days ago
Read Bank Overview

Valley Direct

High-Yield Savings Account

Up to
4.10%
APY
Dec 6, 2025
FDIC InsuredLow MinimumsGreat iOS AppGreat Android App
Range: 3.50% – 4.10%
Show Fine Print & Trends
Min. Deposit$1,000
Min. Balance$0.01
Maintenance Fee$0
Compound FreqDaily
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 9396)
EligibilityThe advertised rate is restricted to new customers. Existing Valley Bank or Valley Direct customers may this savings account with a somewhat lower rate.
Mobile Ratings
iOS:4.8Android:4.5
BBB Rating
A+(Not BBB Accredited)

Important Note

Promo rate for new customers. 3.50% APY applies to existing customers.

Rate Stability

Rate Adjusted
-0.20%
Since 90 days ago
Read Bank Overview

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.

See Top Rates

Comparison Analysis

Comparing BrioDirect vs. Valley Direct

Updated: Dec 6, 2025

Why BrioDirect?

  • ✓Available to New & Existing Customers

Why Valley Direct?

No distinct advantages found vs BrioDirect.

— Key Feature Differences —

Better Returns at $10,000
Valley Direct

Valley Direct's High-Yield Savings Account earns more on smaller deposits (approx. $410 vs $400/yr).

Best Mobile App Experience
Valley Direct

Valley Direct offers an iOS app rated 4.8 (vs. 4.7) and Android app rated 4.5 (vs. 4.3)

Shared Benefits

Both offer monthly maintenance-free account options Available Nationwide
The Bottom Line

Over a 1-year period, Valley Direct's High-Yield Savings Account pays $10 more interest on a $10,000 balance than BrioDirect's High-Yield Savings Account.

BrioDirectValley Direct
Automated Data Audit

Executive Summary

BrioDirect offers a High-Yield Savings Account with a competitive APY of 4.00%, requiring a minimum deposit of $5,000 and maintaining a balance of $25, with no maintenance fees. In contrast, Valley Direct provides a slightly higher APY of 4.10% for its High-Yield Savings Account, but this rate is only available to new customers, while existing customers earn a lower rate of 3.50%. Valley Direct has a lower minimum deposit requirement of $1,000 and no minimum balance, making it more accessible. Both accounts are online-only and have daily compounding, with no direct deposit required.

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.

ExploreBrioDirectExploreValley Direct

Top Market Contenders

See who beats both BrioDirect and Valley Direct.

Compare All High-Yield Savings Accounts
Pibank
Pibank Savings
FDIC InsuredNo Minimums
4.60% APY
+0.50% vs Valley Direct
Better Rate
Pibank vs BrioDirectPibank vs Valley Direct
Neighbors Bank
Neighbors Savings Account
FDIC InsuredNo MinimumsGreat Android App
4.50% APY
+0.40% vs Valley Direct
Better Rate
Neighbors Bank vs BrioDirectNeighbors Bank vs Valley Direct
Axos Bank
Axos ONE
FDIC InsuredNo MinimumsGreat iOS AppGreat Android App
4.31% APY
+0.21% vs Valley Direct
Better Rate
Axos Bank vs BrioDirectAxos Bank vs Valley Direct
FeatureBrioDirectValley Direct
APY
4.00%
Verified: 12/6/2025
↘︎ 0.30%90d Change
4.10%
Range: 3.50% - 4.10%
Verified: 12/6/2025
↘︎ 0.20%90d Change
Product NameHigh-Yield Savings AccountHigh-Yield Savings Account
Minimum Deposit$5,000$1,000
Min. Balance for APY$25$0.01
Monthly Fee$0$0
Branch AccessNoneNone
Account Type
Online Only
Online Only
Direct Deposit Req.NoneNone
Checking BundleNoNo
Mobile Apps
iOS4.7
Android4.3
iOS4.8
Android4.5
BBB RatingB-A+
Important Notes-Promo rate for new customers. 3.50% APY applies to existing customers.
Next Steps
- View Details
- View Details

Savings Comparison

Calculations based on current APY.
$
$

Valley Direct earns $64.7 more than BrioDirect.

BrioDirect

High-Yield Savings Account

4.00% APY

Savings Breakdown

  • Interest Earned
    +$2,434.70(11.9%)
  • Total Contributions
    $13,000
  • Initial Deposit
    $5,000

Projected Balance

$20,434.70

Effective APY
4.00%
View Details

Valley Direct

High-Yield Savings Account

4.10% APY

Savings Breakdown

  • Interest Earned
    +$2,499.40(12.2%)
  • Total Contributions
    $13,000
  • Initial Deposit
    $5,000

Projected Balance

$20,499.40

Effective APY
4.10%
View Details

The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.

📈 Compare Savings Rates Over Time

Historical Performance

Last 12 Months Analysis
MetricBrioDirectValley Direct
High-Yield Savings AccountHigh-Yield Savings Account
Current APY
4.00%4.10%
Trend
 Stable Stable
Velocity (bps/mo)
-5.41.9
Days Since Change
3671
12-Month High
4.85%4.55%
12-Month Low
4.00%3.75%
Adjustments / Mo
0.680.68
Volatility Score
0.0450.049
How to read these metrics(Click to expand)

Trends & Velocity

  • Trend: The general direction of the rate over the analyzed period. Useful for spotting if a bank is currently aggressive or pulling back.
  • Velocity (bps/mo): Speed of change. A high positive number means they raise rates quickly. 10 bps = 0.10%.
  • Adjustments/Mo: "Twitchiness." High frequency means the rate changes constantly; low frequency means it's stable.

Risk & Range

  • High/Low: The absolute ceiling and floor of the rate during the 354-day window.
  • Volatility Score: Lower is better for predictability. It indicates how wildly the rate swings relative to its average.
  • Days Since Change: If this number is high (e.g., >90), the rate is very sticky. If low, it changed recently.

Compare Similar High-Yield Accounts

Compare BrioDirect vs...

Comparing against Standard Savings

vs BrioDirect
PibankNo Bundle Req
4.60%
APY
vs BrioDirect
Neighbors BankNo Bundle Req
4.50%
APY
vs BrioDirect
TIMBRNo Bundle Req
4.40%
APY

Compare Valley Direct vs...

Comparing against Standard Savings

vs Valley Direct
PibankNo Bundle Req
4.60%
APY
vs Valley Direct
Neighbors BankNo Bundle Req
4.50%
APY
vs Valley Direct
TIMBRNo Bundle Req
4.40%
APY

Higher Rates (With Checking)

Looking for something different? Check out these top-rated alternatives.

Checking Bundle
Axos Bank View Details
4.31%
APY
Checking Bundle
SoFi Bank View Details
4.30%
APY
Checking Bundle
Presidential Bank View Details
4.00%
APY

More Comparisons

Compare BrioDirect's APY of 4.00% with other banks
Bank PairCompetitor APYMin Deposit
BrioDirect vs Ally Bank3.30%$0
BrioDirect vs American Express3.40%$0
BrioDirect vs Axos Bank4.31%$0
BrioDirect vs Bank of America0.01%$100
BrioDirect vs Barclays4.00%$0
BrioDirect vs Bask Bank3.90%$0
BrioDirect vs BMO Alto3.25%$0
BrioDirect vs Capital One3.40%$0
BrioDirect vs Chase Bank0.01%$0
BrioDirect vs Chime3.50%$0
BrioDirect vs CIT Bank3.75%$100
BrioDirect vs Citibank3.30%$0
BrioDirect vs Citizens Access™3.35%$0.01
BrioDirect vs Climate First Bank4.21%$50
BrioDirect vs Discover Bank3.40%$0
BrioDirect vs Elevault4.08%$0
BrioDirect vs EverBank4.05%$0
BrioDirect vs Fitness Bank4.75%$100
BrioDirect vs FNBO Direct3.00%$1
BrioDirect vs Forbright Bank4.00%$0
BrioDirect vs FVCbank3.85%$500
BrioDirect vs GO2bank4.50%$0
BrioDirect vs Ivy Bank4.25%$2,500
BrioDirect vs LendingClub4.20%$0
BrioDirect vs Marcus by Goldman Sachs3.65%$0
BrioDirect vs Neighbors Bank4.50%$0
BrioDirect vs Newtek Bank4.35%$0.01
BrioDirect vs Openbank4.20%$500
BrioDirect vs Peak Bank4.20%$100
BrioDirect vs Pibank4.60%$0
BrioDirect vs PNC3.53%$0
BrioDirect vs Presidential Bank4.00%$5,000
BrioDirect vs Quontic Bank3.75%$100
BrioDirect vs Salem Five Direct3.71%$10
BrioDirect vs Santander Bank0.01%$25
BrioDirect vs SoFi Bank4.30%$0
BrioDirect vs Synchrony Bank3.65%$0
BrioDirect vs TIMBR4.40%$1,000
BrioDirect vs UFB Direct3.71%$5000
BrioDirect vs Varo Bank5.00%$0
BrioDirect vs Vio Bank4.16%$100
BrioDirect vs Wealthfront4.15%$0
BrioDirect vs Wells Fargo0.05%$25
BrioDirect vs Zynlo Bank4.05%$10
Compare Valley Direct's APY of 4.10% with other banks
Bank PairCompetitor APYMin Deposit
Valley Direct vs Ally Bank3.30%$0
Valley Direct vs American Express3.40%$0
Valley Direct vs Axos Bank4.31%$0
Valley Direct vs Bank of America0.01%$100
Valley Direct vs Barclays4.00%$0
Valley Direct vs Bask Bank3.90%$0
Valley Direct vs BMO Alto3.25%$0
Valley Direct vs Capital One3.40%$0
Valley Direct vs Chase Bank0.01%$0
Valley Direct vs Chime3.50%$0
Valley Direct vs CIT Bank3.75%$100
Valley Direct vs Citibank3.30%$0
Valley Direct vs Citizens Access™3.35%$0.01
Valley Direct vs Climate First Bank4.21%$50
Valley Direct vs Discover Bank3.40%$0
Valley Direct vs Elevault4.08%$0
Valley Direct vs EverBank4.05%$0
Valley Direct vs Fitness Bank4.75%$100
Valley Direct vs FNBO Direct3.00%$1
Valley Direct vs Forbright Bank4.00%$0
Valley Direct vs FVCbank3.85%$500
Valley Direct vs GO2bank4.50%$0
Valley Direct vs Ivy Bank4.25%$2,500
Valley Direct vs LendingClub4.20%$0
Valley Direct vs Marcus by Goldman Sachs3.65%$0
Valley Direct vs Neighbors Bank4.50%$0
Valley Direct vs Newtek Bank4.35%$0.01
Valley Direct vs Openbank4.20%$500
Valley Direct vs Peak Bank4.20%$100
Valley Direct vs Pibank4.60%$0
Valley Direct vs PNC3.53%$0
Valley Direct vs Presidential Bank4.00%$5,000
Valley Direct vs Quontic Bank3.75%$100
Valley Direct vs Salem Five Direct3.71%$10
Valley Direct vs Santander Bank0.01%$25
Valley Direct vs SoFi Bank4.30%$0
Valley Direct vs Synchrony Bank3.65%$0
Valley Direct vs TIMBR4.40%$1,000
Valley Direct vs UFB Direct3.71%$5000
Valley Direct vs Varo Bank5.00%$0
Valley Direct vs Vio Bank4.16%$100
Valley Direct vs Wealthfront4.15%$0
Valley Direct vs Wells Fargo0.05%$25
Valley Direct vs Zynlo Bank4.05%$10