Savings · Bread Savings on record
Bread Savings
High Yield Savings pays a recorded 4.50% APY — at or above the Effective Federal Funds Rate (4.33%). Its recorded APY has moved -0.65% since Aug 2025. This file keeps that reading next to PriceWorld's modeled Rate Loyalty Score — how fairly the bank passes Fed moves through.
Each figure is a recorded reading, dated Feb 2026; the Rate Loyalty Score is PriceWorld's own modeled reading of Fed pass-through, not an external rating. Not a live feed and not a quote; APYs change, so confirm the current rate with the bank before you open an account.
- APY
- 4.50% recorded on its primary savings account.
- Gap vs Fed
- At or above the Fed (4.33%).
- Since Aug 2025
- Recorded APY moved -0.65%.
- Loyalty
- Modeled score 86 — good.
Section · The record
Rate Loyalty Score, and how it is built
PriceWorld's modeled reading of how fairly Bread Savings passes Fed moves through, derived from its recorded rate history. The score is modeled, the APYs are recorded readings, and this file is not live tracking.
How well the bank tracks Fed rate moves
Times bank widened gap while Fed held steady (fewer = better)
Tighter average gap = more competitive
How fast bank follows Fed rate hikes
The Rate Loyalty Score is PriceWorld's own modeled reading of Fed pass-through — not an external rating, not a recommendation, and not a promise of accuracy. It is built from the bank's recorded rate history, dated Feb 2026.
Section · Recorded history
APY vs the Fed, on record
The recorded APY against the Effective Federal Funds Rate over the filed period. When the bank line sits below the Fed line, the gap is where the yield quietly leaks. Recorded readings, dated — not live tracking.
Section · Recorded events
Rate-decay events on file
Dates where Bread Savings is recorded widening its gap to the Fed while the Fed held steady — a recorded APY cut that was not a response to a Fed move.
- Recorded APY cut of 0.15% while the Fed held steady Sep 26, 2025
- Recorded APY cut of 0.25% while the Fed held steady Nov 14, 2025
- Recorded APY cut of 0.20% while the Fed held steady Dec 26, 2025
Section · What the headline rate hides
What this rate gap costs
Bread Savings is recorded at or above the Effective Federal Funds Rate, so there is no recorded yield gap on file at these balances.
No recorded yield gap is on file for Bread Savings at these balances — its recorded APY sits at or above the Effective Federal Funds Rate (4.33%).
Section · On file
Account details
The recorded particulars of High Yield Savings, as filed. Confirm the current terms with the bank before you open an account.
- Bank type
- online
- FDIC insured
- Yes
- Account type
- hysa
- Recorded APY
- 4.50%
- Minimum deposit
- $0
- Min balance for APY
- $0
- Gap vs EFFR (4.33%)
- at or above
- Source
- Visit bank ↗
Section · How this file stays honest
Source, passport and corrections
The APY here is a recorded reading and the Rate Loyalty Score is modeled from Bread Savings's recorded rate history; PriceWorld does not treat this file as live tracking. Watch this rate so you hear before it changes, or flag a figure that looks wrong.
Watch this rate before it slips
Start a Price Passport on Bread Savings's savings account and we'll alert you when its recorded APY changes — we tell you, not the bank. Free early access; preview environments don't save an email.
Free early access · we alert you, not the bank · unsubscribe anytime.
Start a Price PassportSeen a different APY?
Quality-checkedHelp keep this reading honest. Confirm the rate, report a different APY you were actually paid, or submit a source — every report opens a verification review and never overwrites a published figure on its own.
- Confirm it still matches what the bank pays today.
- Report a different APY you saw on your statement.
- Submit a link or screenshot that backs the real figure.
See what Bread Savings really earns you.
The figures here are dated, recorded readings — confirm the current APY with the bank, then run the numbers on your own balance.
Figures are recorded savings readings for Bread Savings High Yield Savings, dated Feb 2026. The gap is measured against the Effective Federal Funds Rate (4.33%) and the dollar yield gap is that gap applied to a balance for one year. The Rate Loyalty Score is PriceWorld's own modeled reading of Fed pass-through, derived from the bank's recorded rate history — not an external rating, not a recommendation, and not a promise of accuracy. APYs change and may carry balance or promotional conditions; this file is not live tracking, so confirm the current rate with the bank before you open an account.