Bread Financial Savings (HYSA) Rate History (2022–2026)
RateBrain has recorded 17 rate changes for Bread Financial's savings account since May 23, 2022. Its highest rate was 5.15% (Dec 2023) and its lowest 1.00% (May 2022). It pays 4.05% APY today, last changed on October 10, 2026. That is down 1.10 percentage points from a year ago.
Current Bread Financial savings account rate »Bread Financial rate history »Savings rate history »
Rate history chart
Now 4.05% APY
By year
| Year | High | Low | Year end | Changes |
|---|---|---|---|---|
| 2026 | 5.15% | 3.95% | 4.05% | 3 |
| 2025 | 5.15% | 5.15% | 5.15% | 0 |
| 2024 | 5.15% | 5.15% | 5.15% | 0 |
| 2023 | 5.15% | 3.50% | 5.15% | 7 |
| 2022 | 3.50% | 1.00% | 3.50% | 7 |
All 17 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 |
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aim to keep our information accurate and current, the rates and information shown on this page may be inaccurate or be out of date.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.