Bread Financial Savings (HYSA) Rate
Bread Financial's savings account pays 4.05% APY as of November 9, 2026, checked 18 hours ago. Since RateBrain began tracking it in 2022, this savings account has paid as much as 5.15% (Dec 2023) and as little as 1.00% (May 2022). It is currently above the median savings rate we track (3.55% across 167 banks).
4.05% APY
up from 4.00% on Oct 10
- Last checked
- Nov 9 · 18 hours ago
- Minimum deposit
- $100
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See the full Bread Financial Savings (HYSA) rate history »
Bread Financial Savings (HYSA) Rate - Rate History
Now 4.05% APY
- All-time high 5.15% (Dec 2023)
- Low 1.00% (May 2022)
- 1-year change −1.10
- 17 changes
- Tracked since May 2022
- Full rate history »
The gray line is the median savings rate across the banks we tracked each month.
Rate changes
| Date | APY | Change |
|---|---|---|
| October 10, 2026 | 4.05% | +0.05 |
| October 1, 2026 | 4.00% | +0.05 |
| August 12, 2026 | 3.95% | −1.20 |
| December 19, 2023 | 5.15% | +0.15 |
| September 27, 2023 | 5.00% | +0.10 |
| July 14, 2023 | 4.90% | +0.15 |
| June 24, 2023 | 4.75% | +0.10 |
| May 10, 2023 | 4.65% | +0.15 |
| April 26, 2023 | 4.50% | +0.50 |
| January 24, 2023 | 4.00% | +0.50 |
| November 11, 2022 | 3.50% | +0.50 |
| November 3, 2022 | 3.00% | +0.10 |
| October 5, 2022 | 2.90% | +0.75 |
| August 11, 2022 | 2.15% | +0.50 |
| June 27, 2022 | 1.65% | +0.50 |
| May 29, 2022 | 1.15% | +0.15 |
| May 23, 2022 | 1.00% | first tracked |
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ShareOther Bread Financial rates
- 3 Month CD3.95%
- 6 Month CD4.05%
- 9 Month CD4.40%
- 1 Year CD4.45%
- 18 Month CD4.85%
- 2 Year CD4.55%
- 3 Year CD4.60%
- 4 Year CD4.65%
- 5 Year CD4.70%
Other savings rates
Common questions
What is the Bread Financial savings account rate today?
The Bread Financial savings account pays 4.05% APY as of November 9, 2026, checked 18 hours ago.
How does the Bread Financial savings account compare with other savings accounts?
It pays 4.05% APY. The median across the 167 savings account rates RateBrain tracks is 3.55%, so it is 0.50 percentage points above the median.
What has the Bread Financial savings account paid over time?
Since RateBrain began tracking it in 2022, it has paid as much as 5.15% (Dec 2023) and as little as 1.00% (May 2022).
Please Note: We are not a bank or credit union and are not affiliated with any. The information above is provided 'as is' and solely for informational purposes, not for specific financial advice. While we aim to keep our information accurate and current, the rates and information shown on this page may be inaccurate or be out of date. Please check with banks directly for the most up to date and accurate information.