Bread Savings vs UFB Direct
Head-to-head comparison of Bread Savings High-Yield Savings and UFB Secure Savings, updated daily.
UFB Direct currently wins on APY: 4.57% vs 4.40%
| Feature | Bread SavingsUpdated 1d ago | UFB DirectUpdated 1d ago |
|---|---|---|
| APY | 4.40% | 4.57%★ |
| Min opening deposit | $100 | $0★ |
| Min balance for APY | $100 | $0★ |
| Monthly fee | $0.00 | $0.00 |
| Insurance | FDIC | FDIC |
| Compounding | daily | daily |
| ATM access | No | Yes★ |
| Check writing | No | No |
| Mobile app | No | Yes★ |
| Editor rating | 4.1 / 5★ | 4.0 / 5 |
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 →UFB Direct verdict
UFB Direct is one of the rate leaders and includes an ATM card, which is unusual. Our concern is customer service — UFB has had mixed reviews in third-party surveys. If you are confident you will not need much hand-holding, the math works in your favor.
Read full UFB Direct review →