Bread Savings High-Yield Savings
A no-frills HYSA from Comenity Capital Bank, web-only, no app.
APY
4.40%
Updated 1d agoEditor rating
4.1 / 5
Insurance
FDIC
Cert #57293
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APY history
0 snapshotsNo rate history yet — checking daily.
Editor's 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.
By HYSA Compare Editorial Team · APY verified on 2026-04-06T00:00:00.000Z
Pros
- + Strong APY, consistently top-10
- + Backed by Comenity Capital Bank
- + Simple, no-frills product
Cons
- − No mobile app — web only
- − $100 minimum to open and earn APY
What you'd earn at Bread Savings
Plug in your numbers. We'll show you how much interest you earn at today's rate.
Total contributed
$25,000
Interest earned
$4,109
Final balance
$29,109
Year-by-year breakdown
| Year | Contributed | Balance | Interest |
|---|---|---|---|
| 1 | $13,000 | $13,500 | $500 |
| 2 | $16,000 | $17,154 | $1,154 |
| 3 | $19,000 | $20,969 | $1,969 |
| 4 | $22,000 | $24,952 | $2,952 |
| 5 | $25,000 | $29,109 | $4,109 |
Assumes monthly compounding and a constant APY. Actual results vary as APYs change. Not financial advice.
Account details
- Institution type
- BANK
- Minimum opening deposit
- $100
- Min. balance to earn APY
- $100
- Monthly fee
- $0.00
- Compounding
- daily
- ATM access
- No
- Check writing
- No
- Mobile app
- No