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.

Visit Bread Savings ↗Compare all savings accounts

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.