Skip to content
Financeradar
BrioDirect High-Yield Savings logo

BrioDirect High-Yield Savings

3.75% APY (variable) with a $5,000 opening deposit and no monthly fee; deposits held at Santander Bank, N.A.

Rates verified October 28, 2026
High-Yield Savings
Open account

The Bottom Line

APY
3.75% (verified Oct 28, 2026). All rates and fees

Key facts

  • Min. deposit: $5,000
  • Monthly fee: None
  • Insurance: FDIC insured

Pros

  • 3.75% APY, variable, with a $25 balance enough to earn the disclosed rate after opening
  • No monthly maintenance fee
  • Deposits held at Santander Bank, N.A. (Webster Bank division), FDIC insured

Cons

  • The rate is variable and can change
  • $5,000 is required to open the account
  • Deposits are combined with all other Santander Bank deposits for the FDIC limit

At a glance

Rates verified October 28, 2026

The provider's own page dates these rates ; we read the page on the date above.

APY
3.75%
APY note
Variable; accurate as of 10/14/2026 per BrioDirect. You must deposit at least $5,000 to open and maintain $25 to earn the disclosed APY.
Minimum deposit
$5,000
Monthly fee
None
FDIC
Santander Bank, N.A. (Webster Bank division, BrioDirect trade name), FDIC insured, $250,000 per depositor. BrioDirect deposits are combined with all other Santander Bank deposits for the limit.
Institution
Santander Bank, N.A. (Webster Bank division, BrioDirect trade name)
ATM access
No

Source: briodirectbanking.com, read October 28, 2026

BrioDirect High-Yield Savings fees

Fee document read October 27, 2026
Monthly maintenance fee
No feebank document
Paper statements
Not disclosed in the fee documentbank document
Inactivity or dormancy
$20$20 (abandoned account processing)bank document
Outgoing domestic wire
$35bank document
Outgoing international wire
$45bank document
Excessive withdrawals (savings)
Not disclosed in the fee documentbank document
Closing the account early
Not disclosed in the fee documentbank document
Stop payment
$30bank document
Out-of-network ATM (the bank's own fee)
$3$3 per transactionbank document

Read in the bank's own fee documents. “Not disclosed” means the document does not mention the fee, which is not the same as free. See how this account compares in the bank fee dataset.

How this rate compares

9.9x

the FDIC national savings average of 0.38% (October 19, 2026). On a $10,000 balance that is about $337 more in a year.

Last verified October 28, 2026

We re-verify against the issuer's own page when we refresh this listing, and we stamp that date. We do not claim a daily check.

Aug 2026: 3.75%Now 3.75%

Unchanged since August 2026.

3.75%Aug 20263.75%Sep 20263.75%Oct 2026
BrioDirect High-Yield Savings: headline APY, one point per month (the last reading that month on the bank's own page), since August 2026. No point is estimated between readings.

APYs are variable and can change at any time. The FDIC national average is a floor for what an ordinary savings account pays, not a competitor. Named comparisons use each product's last issuer-page check.

Is it worth it?

$375 a year on a $10,000 balance

At 3.75% APY, $10,000 earns about $375 in the first year, versus roughly $38 at the 0.38% FDIC national average (October 19, 2026). That is about $337 more for moving the same money. APY is variable and shown as of the date above.

What is BrioDirect High-Yield Savings?

Sources read on the date shown
BrioDirect is a sub-brand of Webster Bank, which is now a division of Santander Bank, N.A. The honest verdict: a plain high-yield savings account with a $5,000 opening deposit and a variable rate, held at an FDIC-insured bank. The account pays 3.75% APY as of October 14, 2026, a variable rate. Opening requires a deposit of at least $5,000, you must maintain $25 to earn the disclosed APY, and there is no monthly maintenance fee. Deposits are held at Santander Bank, N.A., FDIC insured, and are combined with all other Santander Bank deposits for the FDIC limit. The catches: the rate is variable, the $5,000 opening deposit is a real hurdle, and because BrioDirect deposits count with your other Santander Bank deposits toward the FDIC limit, coverage is shared with any other accounts you hold at Santander.
Sourcebriodirectbanking.com ↗

Key details

3.75% APY, variable (accurate as of 10/14/2026)$5,000 minimum deposit to open; $25 to earn the disclosed APYNo monthly maintenance feeDeposits held at Santander Bank, N.A. (Webster Bank division, BrioDirect trade name)

Recent changes to these figures

What changed when we last re-read the BrioDirect High-Yield Savings page, with the date.

  • Fee schedule stored from the bank's own fee documents read 2026-10-27 (10 of 10 fees read, 3 documents)

Explore more

Best High-Yield Savings

BrioDirect High-Yield Savings FAQ

What is the current APY on BrioDirect High-Yield Savings?

3.75% APY as of October 14, 2026, per BrioDirect. The rate is variable and can change.

Is BrioDirect High-Yield Savings FDIC insured?

Yes. BrioDirect deposits are held at Santander Bank, N.A. (Webster Bank is a division of Santander Bank, N.A.), FDIC insured up to $250,000 per depositor, and combined with all other Santander Bank deposits for that limit.

What are the minimums and fees?

You must deposit at least $5,000 to open the account and maintain $25 to earn the disclosed APY. There is no monthly maintenance fee.

Source: briodirectbanking.com

Guides & Articles

Best high-yield savings accounts in 2026

Expert guide

Best no-fee, no-minimum high-yield savings accounts

Expert guide

Best cash management accounts (2026)

Expert guide

Monthly Maintenance Fees by Bank in 2026, and How Each One Is Waived

13 min read

Savings Rates Since August 2026, From Our Rate Log

12 min read