Bread Savings vs BrioDirect
Head-to-head comparison of Bread Savings High-Yield Savings and BrioDirect High-Yield Savings, updated daily.
BrioDirect currently wins on APY: 4.85% vs 4.40%
| Feature | Bread SavingsUpdated 1d ago | BrioDirectUpdated 1d ago |
|---|---|---|
| APY | 4.40% | 4.85%★ |
| Min opening deposit | $100★ | $5,000 |
| Min balance for APY | $100 | $25★ |
| Monthly fee | $0.00 | $0.00 |
| Insurance | FDIC | FDIC |
| Compounding | daily | daily |
| ATM access | No | No |
| Check writing | No | No |
| Mobile app | No | Yes★ |
| Editor rating | 4.1 / 5 | 4.4 / 5★ |
Bread Savings verdict
Bread Savings is bare-bones and proud of it. There is no mobile app, no checking, no ATM — just a savings account with a competitive APY. For savers who want to "set and forget" without temptation to spend, the lack of features is a feature.
Read full Bread Savings review →BrioDirect verdict
BrioDirect currently leads the pack on APY in April 2026, and it has been at or near the top for over a year — this is not a teaser rate that disappears in 90 days. The catch is the $5,000 minimum opening deposit, which makes this a poor fit for someone just starting their emergency fund.
Read full BrioDirect review →