Bread Financial Savings Rate

Bread Financial's savings account pays 3.95% APY as of September 22, 2026, checked 1 day ago. The rate was lowered from 5.15% on August 12, 2026. 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 (3.30% across 64 banks).

3.95% APY

down from 5.15% on Aug 12

Last checked: Sep 22 · 1 day ago
Minimum deposit: $100

View on Bread Financial’s website »See all Bread Financial rates »

Rate history

Now 3.95% APY

All-time high 5.15% (Dec 2023)
Low 1.00% (May 2022)
1-year change −1.20
15 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
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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Other Bread Financial rates

Other savings rates

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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aim to keep our information accurate and current, the rates and information shown on this page may be inaccurate or be out of date.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.