Rate updated · 63 banks tracked
Bread Savings savings account rate: 4.05% APY
Bread Savings pays 4.05% on its savings account — ranking in the top quartile of the 63 banks SwitchWize tracks, where the best available rate is 4.32%. (Updated October 31, 2026.)
Is Bread Savings a good savings rate? Not really. At 4.05% it trails the 4.32% best available rate, leaving about $67 a year on the table on a $25,000 balance.
The gap, in your dollars
At 4.05%, $25,000 earns $1,013/yr here versus $1,079/yr at the field leader — a $67/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 4.05% APY on its savings account as of October 31, 2026, based on rates SwitchWize tracks across 63 banks.
Is Bread Savings's savings rate good?▾
Bread Savings's 4.05% ranks in the top quartile of tracked banks. The best available rate is 4.32% and the FDIC national average is 0.38%.
Which banks pay more than Bread Savings?▾
Higher-paying tracked options include accordia, zynlo, everbank. 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.