VaultRubric's sourced facts on Bread Savings (as of 2026-10-10): standard APY 4.05% (source), ranked #2 of 18 accounts with a numeric standard APY in our data; $1 minimum to earn APY; $0 monthly fee; deposits FDIC; Comenity Capital Bank (Utah state-chartered) up to $250,000; overall score 97.2% with 100% data coverage. This is a facts summary, not a recommendation to open an account.
Data as of · Last updated · By VaultRubric Research · How we score · Not investment advice.
VaultRubric's sourced facts on Bread Savings (as of 2026-10-10): standard APY 4.05% (source), ranked #2 of 18 accounts with a numeric standard APY in our data; $1 minimum to earn APY; $0 monthly fee; deposits FDIC; Comenity Capital Bank (Utah state-chartered) up to $250,000; overall score 97.2% with 100% data coverage. This is a facts summary, not a recommendation to open an account.
This page answers “Is Bread Savings a good savings account?” using only data/finance_seed.json and VaultRubric's scored comparison (equal weights), as of 2026-10-12. “Good” here means how Bread Savings compares on sourced APY, fees, minimums, FDIC insurance and regulatory record — not personalized advice. Rates change; verify on the bank’s site.
| Fact | Value | As of / source |
|---|---|---|
| Standard APY | 4.05% | 2026-10-10 · official |
| Min balance for APY | $1 | 2026-09-30 |
| Monthly fee | $0 | 2026-10-07 |
| Deposit insurance | FDIC; Comenity Capital Bank (Utah state-chartered) (up to $250,000) | 2026-10-10 |
| Regulatory actions (5y) | 0 in the last 5 years on record | 2026-10-10 |
| VaultRubric score | 97.2% (coverage 100%) | methodology |
No CFPB enforcement actions in last 5 yrs found in CFPB database search. Other regulators (OCC/FDIC/state) not exhaustively checked
Highest standard APY in our numeric set as of the dates on each row: EverBank at 4.2%. Bread Savings is at 4.05% (#2 of 18). Full APY table: highest APY savings account.
Rates are variable. VaultRubric reports sourced facts and scores; it does not recommend opening or closing any account. Confirm APY, fees and terms on Bread Savings’s official page before acting.
Bread Savings: 4.05% standard APY as of 2026-10-10 (#2 of 18 in our data), $1 minimum and $0 monthly fee in our data, deposits FDIC; Comenity Capital Bank (Utah state-chartered) up to $250,000, VaultRubric score 97.2% (100% coverage), no regulatory actions in our 5-year record. Facts only — not a recommendation.
In our sourced data, Bread Savings’s standard APY is 4.05% as of 2026-10-10 (https://savings.breadfinancial.com/products/high-yield-savings-account). Rates change; verify on the bank’s site.
FDIC; Comenity Capital Bank (Utah state-chartered), up to $250,000 per depositor per ownership category.
Bread Savings scores 97.2% across high-yield savings options we track, with 100% data coverage (APY, minimums, fees, insurance, regulatory record). See /methodology and /compare/best-high-yield-savings-accounts.