BrioDirect vs. Synchrony Bank
BrioDirect's High-Yield Savings Account pays 3.75% APY while Synchrony Bank's High Yield Savings pays 3.30% APY.
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 $45 more than Synchrony Bank annually ($375 vs $330).
Choose BrioDirect if getting the best rate matters most, or you want Zelle for quick transfers. Choose Synchrony Bank if you're an Android user.
| Metric | BrioDirectHigh-Yield Savings Account Sep 10, 2026 | Synchrony BankHigh Yield Savings Sep 10, 2026 |
|---|---|---|
| APY | 3.75% | 3.30% |
Earns in a year | $5,000+$188 $10,000+$375 $25,000+$938 | $5,000+$165 $10,000+$330 $25,000+$825 |
Min. Deposit | $5,000 | $0 |
Snapshot view. Rates subject to change. | ||
| Features | FDIC InsuredMod. MinimumGreat iOS AppZelle® SupportedDaily CompoundingRate Changes Often | FDIC InsuredNo MinimumsGreat iOS AppGreat Android AppDaily CompoundingRate Changes Often |
Market Reality Check
Both of these institutions offer rates below the top 10 savings and money market accounts we track. Those institutions all pay at least 4.01% APY.
Comparison Analysis
Comparing BrioDirect vs. Synchrony Bank
Executive Summary
BrioDirect has not changed since at least January 21, 2026, while Synchrony Bank last changed on June 18, 2026, down 10 basis points. At a balance of $10,000, BrioDirect offers an APY of 3.75%, while Synchrony Bank offers 3.3%. BrioDirect paid 2.15% on average across all deposits. Its savings account offers 3.75%. In comparison, Synchrony Bank paid 3.75% on average across all deposits. Its savings account offers 3.3%. Both banks have a minimum balance requirement of $0, but Synchrony Bank has a maximum balance of $4,999 for its advertised rate.
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?
- Higher potential APY (3.75% vs 3.30%)
- No checking account or direct deposit required
- Fast transfers via Zelle®
Why Synchrony Bank?
- Higher rated Android app (4.6 vs 3.9)
Key Feature Differences
Better Returns at $10,000
BrioDirectBrioDirect's High-Yield Savings Account earns more on smaller deposits (approx. $375 vs $330/yr).
Better Returns at $25,000
BrioDirectBrioDirect's High-Yield Savings Account pulls ahead with larger amounts (approx. $938 vs $825/yr).
Better for Simplicity
BrioDirectBrioDirect's High-Yield Savings Account offers 3.75% APY with no bundling, direct deposit requirement or caps.
Better Mobile App Experience
Synchrony BankSynchrony Bank offers an iOS app rated 4.8 (vs. 4.7) and Android app rated 4.6 (vs. 3.9)
Shared Benefits
Over a 1-year period, BrioDirect's High-Yield Savings Account pays $45 more interest on a $10,000 balance than Synchrony Bank's High Yield Savings.
*This calculation assumes current rates remain consistent for 1 year and does not include temporary bonuses.
Non-sponsored link to official site
Non-sponsored link to official site
Top Market Contenders
BrioDirect vs. Synchrony Bank Savings Calculator
You earn $45 more with BrioDirect than Synchrony Bank 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
Synchrony Bank
High Yield Savings
Savings Breakdown
- Interest Earned+$330.00(3.2%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,330.00
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
Still at a large branch bank?
A typical branch-bank savings rate is 0.05% APY. On a $10,000 balance, the gap to these two banks is at least $325 a year in interest.
Both BrioDirect and Synchrony Bank advertise far more than that typical branch-bank rate.
| Feature | BrioDirect | Synchrony Bank |
|---|---|---|
| APY | 3.75% Observed: 9/10/2026 Stable over 90 days | 3.30% Observed: 9/10/2026 0.10%90-day change |
| Product Name | High-Yield Savings Account | High Yield Savings |
| Minimum Deposit | $5,000 | $0 |
| Min. Balance for APY | $25 | $0 |
| Monthly Fee | $0 | $0 |
| Compound Frequency | Daily | Daily |
| In-Branch Access | No | No |
| Account Type | Online Only | Online Only |
| Physical Branches | Not reported | 2 (FL, UT) |
| Direct Deposit Req. | None | None |
| Checking Bundle | No | No |
| Mobile Apps | ||
| FDIC or NCUA Insured | YesVerify FDIC | YesVerify FDIC |
| Zelle® Support | Available Accessed via the Webster Bank mobile app. | Not Supported |
| BBB Rating | B | Not Rated |
| Next Steps | Visit SiteVerify at BrioDirect Non-sponsored link to official site | Visit SiteVerify at Synchrony Bank Non-sponsored link to official site |
Compare Savings Rates Over Time
Historical Performance
| Metric | BrioDirect | Synchrony Bank |
|---|---|---|
| High-Yield Savings Account | High Yield Savings | |
Current APY | 3.75% | 3.30% |
Trend | Stable | Stable |
Speed of change | -0.11 | -0.05 |
Days Since Change | 272 | 84 |
12-Month High | 4.30% | 3.80% |
12-Month Low | 3.75% | 3.30% |
Changes per month | 0.25 | 0.33 |
Steadiness | 0.050 | 0.028 |
How to read these metrics(Click to expand)
Trends and speed
- Trend: The general direction of the rate over the analyzed period. Useful for seeing whether a bank is raising its rate or letting it slip.
- Speed of change: How fast the rate moves. A high positive number means they raise rates quickly. A reading of 0.10 is a tenth of a percentage point each month.
- Changes per month: How often the rate moves. A high number means it changes constantly; a low number means it holds.
Risk & Range
- High/Low: The absolute ceiling and floor of the rate during the 363-day window.
- Steadiness: How far the rate swings around its average. A lower score means a steadier, more predictable rate.
- Days Since Change: A high number, for example above 90, means the rate rarely moves. A low number means it changed recently.
Compare Similar High-Yield Accounts
Compare BrioDirect vs...
Comparing against Standard Savings
Compare Synchrony Bank vs...
Comparing against Standard Savings
High Rates (With Checking Bundle)
Looking for something different? Check out these top-rated alternatives.
More Comparisons
Compare BrioDirect's APY of 3.75% with other banks
| Bank Pair | Competitor APY | Min Deposit |
|---|---|---|
| BrioDirect vs Ally Bank | 3.00% | $0 |
| BrioDirect vs American Express | 3.00% | $0 |
| BrioDirect vs Axos Bank | 4.21% | $0 |
| BrioDirect vs Barclays | 3.65% | $0 |
| BrioDirect vs Capital One | 3.50% | $0 |
| BrioDirect vs Chime | 3.75% | $0 |
| BrioDirect vs CIT Bank | 3.75% | $100 |
| BrioDirect vs EverBank | 3.90% | $0 |
| BrioDirect vs Marcus by Goldman Sachs | 3.40% | $0 |
| BrioDirect vs Newtek Bank | 4.20% | $100 |
| BrioDirect vs Openbank | 3.80% | $500 |
| BrioDirect vs Pibank | 4.10% | $0 |
| BrioDirect vs SoFi Bank | 4.00% | $0 |
| BrioDirect vs Varo Bank | 3.75% | $0 |
| BrioDirect vs Wealthfront | 3.95% | $0 |