Alliant Credit Union vs Bread Savings
Head-to-head comparison of Alliant High-Rate Savings and Bread Savings High-Yield Savings, updated daily.
Bread Savings currently wins on APY: 4.40% vs 3.10%
| Feature | Alliant Credit UnionUpdated 1d ago | Bread SavingsUpdated 1d ago |
|---|---|---|
| APY | 3.10% | 4.40%★ |
| Min opening deposit | $5★ | $100 |
| Min balance for APY | $100 | $100 |
| Monthly fee | $0.00 | $0.00 |
| Insurance | NCUA | FDIC |
| Compounding | monthly | daily |
| ATM access | Yes★ | No |
| Check writing | No | No |
| Mobile app | Yes★ | No |
| Editor rating | 3.4 / 5 | 4.1 / 5★ |
Alliant Credit Union verdict
Alliant is included on this list as the credit union benchmark, not because the rate is competitive (it is not — about 150bps below the leaders). Choose Alliant only if you specifically want the credit union ownership model and the ATM network access.
Read full Alliant Credit Union review →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 →