Savings Account Review

Bread Savings Review (2026)

A high APY paired with competitive CDs

By Wealthy Pot · Last updated September 2026

TypeOnline bank

APY3.95% APY

Minimum to open$100

Min balance for top APY$100

Monthly fee$0

FDICFDIC-insured (Comenity Capital Bank)

Visit Bread Savings ↗

Who Bread Savings is for

Savers who want a high APY and strong CD options in one place

APY, minimums & fees

Bread Savings advertises 3.95% APY, with a $100 minimum to open and a $0 monthly fee. Minimum balance to earn the top rate: $100. FDIC-insured (Comenity Capital Bank). APYs are variable — confirm the current rate on the official site.

The bottom line

A high APY paired with competitive CDs Main drawback: a $100 minimum to open; no branches or checking.

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See how Bread Savings stacks up in our high-yield savings comparison, or find a banking app in our neobanks comparison.

We summarize hands-on assessment, not user reviews. APYs are variable and re-checked against Bread Savings's official page. Some accounts are brokerage cash insured through partner banks rather than traditional bank savings. Some outbound links may be affiliate links — that never affects which accounts we include or how we rate them. Nothing here is financial advice.