BrioDirect vs Capital One
Head-to-head comparison of BrioDirect High-Yield Savings and Capital One 360 Performance Savings, updated daily.
BrioDirect currently wins on APY: 4.85% vs 3.20%
| Feature | BrioDirectUpdated 1d ago | Capital OneLive |
|---|---|---|
| APY | 4.85%★ | 3.20% |
| Min opening deposit | $5,000 | $0★ |
| Min balance for APY | $25 | $0★ |
| Monthly fee | $0.00 | $0.00 |
| Insurance | FDIC | FDIC |
| Compounding | daily | monthly |
| ATM access | No | Yes★ |
| Check writing | No | No |
| Mobile app | Yes | Yes |
| Editor rating | 4.4 / 5★ | 4.0 / 5 |
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 →Capital One verdict
Capital One is one of the few HYSAs from a major bank with physical branch presence. You pay for that physical access in the form of a slightly lower APY — about 50-70bps less than the leaders. Reasonable choice for users who want the option of in-person service.
Read full Capital One review →