BrioDirect vs. Wealthfront
Comparing BrioDirect and Wealthfront for high-yield savings: BrioDirect's High-Yield Savings Account pays 3.75% APY while Wealthfront's Cash Account pays 3.95% APY (including a 3-month 0.65% promo boost).
See how they compare on rate stability, mobile app ratings, and more below.
The Bottom Line
Who pays more interest on $10,000? BrioDirect pays $29 more than Wealthfront annually ($375 vs $346).
Choose BrioDirect if getting the best rate matters most, you want a no-strings-attached account, you want to avoid a promo rate with a scheduled drop, BBB rating matters to you, or you want Zelle for quick transfers. Choose Wealthfront if you're an Android user.
Important Considerations
The key difference? Wealthfront's 3.95% rate includes a promotional bonus for the first 3 months, after which it reverts to the standard rate (currently 3.30%). BrioDirect's 3.75% rate has no scheduled drop, though all rates are subject to change.
| Metric | BrioDirectHigh-Yield Savings Account Feb 21, 2026 | WealthfrontCash Account Feb 21, 2026 |
|---|---|---|
| APY | 3.75% | 3.30% - 3.95% |
Est. Earnings | $5,000+$188 $10,000+$375 $25,000+$938 | $5,000+$173 $10,000+$346 $25,000+$866 |
Min Deposit | $5,000 | $0 |
Snapshot view. Rates subject to change. | ||
Terms | - | Wealthfront is not a bank but a financial services company. It is FDIC-insured through its many partner banks. New clients get an APY of 3.95% for 3 months, after which the 3.30% APY applies. See terms at Wealthfront. |
| Features | FDIC InsuredMod. MinimumGreat iOS AppGreat Android AppZelle® SupportedDaily CompoundingRate Changes Often | FDIC InsuredNo MinimumsGreat iOS AppGreat Android AppDaily CompoundingRate Changes Often |
Market Reality Check
Both of these banks offer rates below the current top tier. The best rates we track are currently above 4.15% APY.
Comparison Analysis
Comparing BrioDirect vs. Wealthfront
Executive Summary
BrioDirect offers a High-Yield Savings Account with a competitive APY of 3.75%, requiring a minimum deposit of $5,000 and maintaining a balance of $25, with no maintenance fees. This account is online-only and does not require direct deposit. In contrast, Wealthfront's Cash Account provides a higher APY of 3.95% for the first three months, after which it drops to 3.30%. It has no minimum deposit or balance requirements and is also online-only. While Wealthfront's initial rate is superior, BrioDirect's consistent APY may appeal to those with larger deposits.
The analysis is based on current Banksparency database records
* This content is provided for informational purposes only; always verify details with the provider.
Why BrioDirect?
- ✓Fast transfers via Zelle®
Why Wealthfront?
- ✓Higher potential APY (3.95% vs 3.75%) for a duration of 3 months
- ✓Higher rated Android app (4.9 vs 4.4)
— Key Feature Differences —
Better Returns at $10,000
BrioDirectBrioDirect's High-Yield Savings Account earns more on smaller deposits (approx. $375 vs $346/yr).
Better Returns at $25,000
BrioDirectBrioDirect's High-Yield Savings Account pulls ahead with larger amounts (approx. $938 vs $866/yr).
Best for Simplicity
WealthfrontWealthfront's Cash Account offers 3.95% APY with no bundling, direct deposit requirement or caps.
Best Mobile App Experience
WealthfrontWealthfront offers an iOS app rated 4.8 (vs. 4.7) and Android app rated 4.9 (vs. 4.4)
Shared Benefits
Over a 1-year period, BrioDirect's High-Yield Savings Account pays $29 more interest on a $10,000 balance than Wealthfront's Cash Account.
*This comparison accounts for Wealthfront's introductory promotional rate, yet BrioDirect's standard rate still yields a higher 1-year return.
Non-sponsored link to official site
Non-sponsored link to official site
Top Market Contenders
BrioDirect vs. Wealthfront Savings Calculator
You earn $27.5 more with BrioDirect than Wealthfront 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
Wealthfront
Cash Account
Promo Rate: 3.95% for 3 months, then 3.30%.
Savings Breakdown
- Interest Earned+$347.50(3.4%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,347.50
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
Still banking with Chase, Bank of America, or Wells Fargo?
On a $10,000 balance, you're missing out on at least $345 per year in interest.
Both BrioDirect and Wealthfront dramatically outperform the typical 0.01% APY at traditional big banks.
| Feature | BrioDirect | Wealthfront |
|---|---|---|
| APY | 3.75% Verified: 2/21/2026 ↘︎ 0.25%90d Change | 3.95% Range: 3.30% - 3.95% Verified: 2/21/2026 ↘︎ 0.20%90d Change |
| Product Name | High-Yield Savings Account | Cash Account |
| Minimum Deposit | $5,000 | $0 |
| Min. Balance for APY | $25 | $0 |
| Monthly Fee | $0 | $0 |
| Compound Frequency | Daily | Daily |
| Branch Access | None | None |
| Account Type | Online Only | Online Only |
| Physical Branches | None. You cannot make use of Webster Bank's branches. | None |
| Direct Deposit Req. | None | None |
| Checking Bundle | No | No |
| Mobile Apps | ||
| FDIC Insured | YesVerify FDIC | Yes |
| Zelle® Support | Available Accessed via the Webster Bank mobile app. | Not Supported |
| BBB Rating | B- | F |
| Important Notes | - | Wealthfront is not a bank but a financial services company. It is FDIC-insured through its many partner banks. New clients get an APY of 3.95% for 3 months, after which the 3.30% APY applies. See terms at Wealthfront. |
| Next Steps | Visit SiteVerify at BrioDirect Non-sponsored link to official site | Visit SiteVerify at Wealthfront Non-sponsored link to official site |
📈 Compare Savings Rates Over Time
Historical Performance
| Metric | BrioDirect | Wealthfront |
|---|---|---|
| High-Yield Savings Account | Cash Account | |
Current APY | 3.75% | 3.95% |
Trend | Stable | Stable |
Velocity (bps/mo) | -9.1 | -8.6 |
Days Since Change | 71 | 22 |
3-Month High | 4.00% | 4.15% |
3-Month Low | 3.75% | 3.90% |
Adjustments / Mo | 0.30 | 0.60 |
Volatility Score | 0.030 | 0.028 |
How to read these metrics(Click to expand)
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High Rates (With Checking Bundle)
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More Comparisons
Compare BrioDirect's APY of 3.75% with other banks
| Bank Pair | Competitor APY | Min Deposit |
|---|---|---|
| BrioDirect vs Ally Bank | 3.20% | $0 |
| BrioDirect vs American Express | 3.30% | $0 |
| BrioDirect vs Axos Bank | 4.21% | $0 |
| BrioDirect vs Bank of America | 0.01% | $100 |
| BrioDirect vs Barclays | 3.85% | $0 |
| BrioDirect vs Capital One | 3.30% | $0 |
| BrioDirect vs Chase Bank | 0.01% | $0 |
| BrioDirect vs Chime | 3.00% | $0 |
| BrioDirect vs CIT Bank | 3.75% | $100 |
| BrioDirect vs Citibank | 3.20% | $0 |
| BrioDirect vs Discover Bank | 3.30% | $0 |
| BrioDirect vs EverBank | 3.90% | $0 |
| BrioDirect vs Marcus by Goldman Sachs | 3.65% | $0 |
| BrioDirect vs Newtek Bank | 4.20% | $0.01 |
| BrioDirect vs Openbank | 4.09% | $500 |
| BrioDirect vs Pibank | 4.60% | $0 |
| BrioDirect vs SoFi Bank | 4.00% | $0 |
| BrioDirect vs Synchrony Bank | 3.50% | $0 |
| BrioDirect vs Varo Bank | 5.00% | $0 |
| BrioDirect vs Wells Fargo | 0.05% | $25 |