BrioDirect vs. Wealthfront
Compare rates, requirements, and features side-by-side to find the best option for you.
| Metric | BrioDirectHigh-Yield Savings Account Jan 7, 2026 | WealthfrontCash Account Jan 7, 2026 |
|---|---|---|
| APY | 3.75% | 3.25% - 3.90% |
Est. Earnings | $5,000+$188 $10,000+$375 $25,000+$938 | $5,000+$171 $10,000+$341 $25,000+$853 |
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 3.90% for 3 months, after which the 3.25% APY applies. See terms at Wealthfront. |
| Features | FDIC InsuredMod. MinimumGreat iOS AppGreat Android AppZelle® Supported | FDIC InsuredNo MinimumsGreat iOS AppGreat Android App |
Market Reality Check
Both of these banks offer rates below the current top tier. The best rates we track are currently above 4.21% APY.
Comparison Analysis
Comparing BrioDirect vs. Wealthfront
As of BrioDirect offers an APY of 3.75% for its High-Yield Savings Account, with a minimum balance of $25, compared to Wealthfront's 3.90% APY for its Cash Account, with a minimum balance of $0.
BrioDirect pays $34 more than Wealthfront on a $10,000 balance after one year. BrioDirect pays $375, while Wealthfront pays $341 (with an effective APY of 3.41%) - an APY advantage for BrioDirect.
Why BrioDirect?
- ✓Fast transfers via Zelle®
Why Wealthfront?
- ✓Higher potential APY (3.90% 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 $341/yr).
Better Returns at $25,000
BrioDirectBrioDirect's High-Yield Savings Account pulls ahead with larger amounts (approx. $938 vs $853/yr).
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 $34 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.
Executive Summary as of
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 introductory APY of 3.90% for the first three months, after which it drops to 3.25%. Wealthfront has no minimum deposit or balance requirements and is also online-only. Overall, while Wealthfront initially offers a higher rate, BrioDirect's consistent APY and lower minimum deposit requirement for better returns at larger amounts make it a strong alternative.
The analysis is based on current Banksparency database records
* This content is provided for informational purposes only; always verify details with the provider.
Non-sponsored link to official site
Non-sponsored link to official site
Top Market Contenders
BrioDirect vs. Wealthfront Savings Calculator
You earn $32.5 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: 3.90% for 3 months, then 3.25%.
Savings Breakdown
- Interest Earned+$342.50(3.3%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,342.50
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
| Feature | BrioDirect | Wealthfront |
|---|---|---|
| APY | 3.75% Verified: 1/7/2026 ↘︎ 0.45%90d Change | 3.90% Range: 3.25% - 3.90% Verified: 1/7/2026 - |
| Product Name | High-Yield Savings Account | Cash Account |
| Minimum Deposit | $5,000 | $0 |
| Min. Balance for APY | $25 | $0 |
| 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 Android4.4 | iOS4.8 Android4.9 |
| 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 3.90% for 3 months, after which the 3.25% 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% | 3.90% |
Trend | Stable | Stable |
Velocity (bps/mo) | -20.5 | -19.4 |
Days Since Change | 26 | 19 |
2-Month High | 4.00% | 4.15% |
2-Month Low | 3.75% | 3.90% |
Adjustments / Mo | 0.55 | 0.55 |
Volatility Score | 0.032 | 0.030 |
How to read these metrics(Click to expand)
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