Bread Savings 2026 Review

Mika L.
Written by Mika L.
Financial Content Writer

Bread Savings4.6/5

Rate (APY)
4.00% APY
Term
6 months
Minimum Deposit
$1,500
Promotion
N/A
Apply Now →on Bread Savings's website

What sets Bread Savings apart is its daily compounding interest feature, which can enhance earnings over the 6-month term, making it a solid choice for those who prefer a lower minimum deposit.

Pros:

  • Daily compounding interest
  • Lower minimum deposit

Cons:

  • Slightly lower APY compared to top competitors

In conclusion, Bread Savings is an excellent option for savers looking for a competitive 4.00% APY with a reasonable minimum deposit of $1,500, especially appealing to those who appreciate the benefits of daily compounding interest over a short 6-month term. This makes it a suitable choice for individuals seeking to maximize their savings without committing to a lengthy investment period.

Frequently Asked Questions

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Summary of all rates from our cd rate pages. Click column headers to sort.

Provider ↕Rate ↓Term ↕Min Deposit
Newtek Bank4.20% APY9 months$2,500Learn more
Langley FCU4.11% APY14 months$500Learn more
Limelight Bank4.10% APY1 year$1,000Learn more
America First Federal Credit Union4.10% APY5 years$500Learn more
SchoolsFirst Federal Credit Union4.10% APY5 years$500Learn more
Synchrony Bank4.10% APY14 months$0Learn more
Capital One4.10% APY11 months$0Learn more
Marcus by Goldman Sachs4.05% APY6 months$500Learn more
Popular Direct4.05% APY1 year$10,000Learn more
Sallie Mae Bank4.00% APY5 years$2,500Learn more
Bread Savings4.00% APY6 months$1,500Learn more
Colorado Federal Savings Bank4.00% APY6 months$5,000Learn more
American Express4.00% APY14 months$0Learn more
TAB Bank3.90% APY1 year$1,000Learn more
Bask Bank3.90% APY6 months$1,000Learn more
NASA Federal Credit Union3.85% APY6 months$1,000Learn more
BTG Pactual Bank3.80% APY5 years$500Learn more
The Golden 1 Credit Union3.80% APY5 years$500Learn more

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