Rate updated · 103 banks tracked
Bread Savings savings account rate: 3.95% APY
Bread Savings pays 3.95% on its savings account — ranking in the top quartile of the 103 banks SwitchWize tracks, where the best available rate is 4.28%. (Updated August 1, 2026.)
Is Bread Savings a good savings rate? Not really. At 3.95% it trails the 4.28% best available rate, leaving about $83 a year on the table on a $25,000 balance.
The gap, in your dollars
At 3.95%, $25,000 earns $988/yr here versus $1,071/yr at the field leader — a $83/yr difference.
See your exact number →Higher-paying alternatives we track
Rates subject to change. Verify before switching.
Frequently asked questions
What is Bread Savings's savings account interest rate?▾
Bread Savings pays 3.95% APY on its savings account as of August 1, 2026, based on rates SwitchWize tracks across 103 banks.
Is Bread Savings's savings rate good?▾
Bread Savings's 3.95% ranks in the top quartile of tracked banks. The best available rate is 4.28% and the FDIC national average is 0.38%.
Which banks pay more than Bread Savings?▾
Higher-paying tracked options include first of america, lendingclub, limelight bank. Compare rates at /banks to find the best current option.
General information only. Rates change frequently; verify directly with the institution before making financial decisions. SwitchWize is not a bank and does not provide financial advice.