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Bread Financial

Bread Savings High-Yield

No monthly feeNo direct deposit

4.90%

Ranked #7 nationally

Stable 30d

90-Day APY Trend

● Yellow dots = rate change events. 0 changes in last 30 days.

Rate Health Score

Rate Health83/100
APY 23/40Stable 30/30No promo +20No fee +10

This score weighs more than just APY — it rewards stable non-promotional rates with no fees. A promo rate that vanishes in 90 days scores lower than a steady rate you can count on.

Details

Product type
HYSA
Minimum balance
$100.00
Minimum to open
$100.00
Monthly fee
None
Direct deposit required
No
Available nationwide
Yes
Promo expires
Visit Bread Financial

Earnings calculator

If I deposit
$
at 4.90%

Monthly earnings

$102.08

Annual earnings

$1,225.00

In other words, that's roughly:

6.6× Netflix/yr9.3× Spotify/yr19× coffee runs/yr
See how this compares to other banks →

Simple annual estimate. Actual earnings depend on compounding frequency and rate changes.

Not financial advice. Rate data is for informational purposes only. Verify with the institution before making decisions.