High-Yield Savings Account Comparison

Affirm vs. Bread Savings

Compare rates, requirements, and features side-by-side to find the best option for you.

Analysis by Aviel Fahl

Updated December 10, 2025

Affirm

Affirm Money Account

3.60%

APY

Dec 10, 2025

FDIC InsuredNo MinimumsGreat iOS AppGreat Android App

Show Fine Print & Trends

Min. Deposit	$0
Min. Balance	$0
Maintenance Fee	$0
Compound Freq	Daily
Direct Deposit	Not required
Deposit Insurance	FDIC Insured(Cert: 58410)
Eligibility	United States
Mobile Ratings	iOS:4.9 Android:4.8
BBB Rating	A+(BBB Accredited)

Important Note

While Affirm is not a bank, it is FDIC-insured through partner Cross River Bank.

Rate Stability

Rate Adjusted

-0.25%

Since 90 days ago

Read Bank Overview

Bread Savings

High-Yield Savings Account

4.10%

APY

Dec 10, 2025

FDIC InsuredLow MinimumsGreat iOS AppGreat Android App

Show Fine Print & Trends

Min. Deposit	$100
Min. Balance	$0
Maintenance Fee	$0
Compound Freq	Daily
Direct Deposit	Not required
Deposit Insurance	FDIC Insured(Cert: 57570)
Eligibility	United States
Mobile Ratings	iOS:4.7 Android:4.5
BBB Rating	A+(BBB Accredited (Information provided is for Comenity Capital Bank))

Rate Stability

7 days

↘︎ 0.05%

30 days

↘︎ 0.10%

90 days

↘︎ 0.15%

Read Bank Overview

Market Reality Check

Both of these banks offer rates below the current top tier. The best rates we track are currently above 4.25% APY.

See Top Rates

Affirm vs. Bread Savings Savings Calculator

Calculations based on current APY for Affirm Money Account and High-Yield Savings Account

Initial Deposit

Recurring Deposit

Frequency

Duration

Bread Savings earns $321.6 more than Affirm.

Affirm

Affirm Money Account

3.60% APY

Savings Breakdown

Interest Earned
+$2,177.80(10.8%)
Total Contributions
$13,000
Initial Deposit
$5,000

Projected Balance

$20,177.80

Effective APY

3.60%

View Details

Bread Savings

High-Yield Savings Account

4.10% APY

Savings Breakdown

Interest Earned
+$2,499.40(12.2%)
Total Contributions
$13,000
Initial Deposit
$5,000

Projected Balance

$20,499.40

Effective APY

4.10%

View Details

The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.

Comparison Analysis

Comparing Affirm vs. Bread Savings

Updated: Dec 10, 2025

Why Affirm?

✓Higher rated Android app (4.8 vs 4.5)

Why Bread Savings?

✓Higher potential APY (4.10% vs 3.60%) on all balances

— Key Feature Differences —

Better Returns at $10,000

Bread Savings

Bread Savings's High-Yield Savings Account earns more on smaller deposits (approx. $410 vs $360/yr).

Better Returns at $25,000

Bread Savings

Bread Savings's High-Yield Savings Account pulls ahead with larger amounts (approx. $1025 vs $900/yr).

Best for Simplicity

Bread Savings

Bread Savings's High-Yield Savings Account offers 4.10% APY with no bundling, direct deposit requirement or caps.

Best Mobile App Experience

Affirm

Affirm offers an iOS app rated 4.9 (vs. 4.7) and Android app rated 4.8 (vs. 4.5)

Shared Benefits

Both offer monthly maintenance-free account options Available Nationwide Available to New & Existing Customers

The Bottom Line on APY (Interest Only)

Over a 1-year period, Bread Savings's High-Yield Savings Account pays $50 more interest on a $10,000 balance than Affirm's Affirm Money Account.

*This calculation assumes current rates remain consistent for 1 year and does not include temporary bonuses.

AffirmBread Savings

Automated Data Audit

Executive Summary

Bread Savings offers a High-Yield Savings Account with a competitive APY of 4.10%, making it the clear winner compared to Affirm's Affirm Money Account, which has an APY of 3.60%. Both accounts are online-only and do not require direct deposit, with Bread Savings requiring a minimum deposit of $100, while Affirm has no minimum deposit requirement. Bread Savings is noted for providing better returns on both smaller and larger deposits, enhancing its appeal for savers. Both accounts are FDIC-insured, ensuring safety for deposits.

Analysis generated based on current Banksparency database records

* AI-generated content provided for informational purposes only. Accuracy is not guaranteed; always verify details with the provider.

ExploreAffirm ExploreBread Savings

Top Market Contenders

See who beats both Affirm and Bread Savings.

Compare All High-Yield Savings Accounts

Pibank

Pibank Savings

FDIC InsuredNo Minimums

4.60% APY

+0.50% vs Bread Savings

Better Rate

Pibank vs Affirm Pibank vs Bread Savings

Axos Bank

Axos ONE

FDIC InsuredNo MinimumsGreat iOS AppGreat Android App

4.31% APY

+0.21% vs Bread Savings

Better Rate

Axos Bank vs Affirm Axos Bank vs Bread Savings

TIMBR

Premium Savings Account

FDIC InsuredLow Minimums

4.40% APY

+0.30% vs Bread Savings

Better Rate

TIMBR vs Affirm TIMBR vs Bread Savings

Feature	Affirm	Bread Savings
APY	3.60% Verified: 12/10/2025 ↘︎ 0.25%90d Change	4.10% Verified: 12/10/2025 ↘︎ 0.15%90d Change
Product Name	Affirm Money Account	High-Yield Savings Account
Minimum Deposit	$0	$100
Min. Balance for APY	$0	$0
Monthly Fee	$0	$0
Branch Access	None	None
Account Type	Online Only	Online Only
Direct Deposit Req.	None	None
Checking Bundle	No	No
Mobile Apps	iOS4.9 Android4.8	iOS4.7 Android4.5
BBB Rating	A+	A+
Important Notes	While Affirm is not a bank, it is FDIC-insured through partner Cross River Bank.	-
Next Steps	- View Details	- View Details

📈 Compare Savings Rates Over Time

Historical Performance

Last 11 Months Analysis

Metric	Affirm	Bread Savings
	Affirm Money Account	High-Yield Savings Account
Current APYMost recent advertised annual-percentage yield.	3.60%	4.10%
TrendDirection over the last 11 months (regression slope).	Stable	Stable
Velocity (bps/mo)Average monthly change; 10 bps = 0.10 pp.	-2.7	-2.6
Days Since ChangeRecency of the latest APY adjustment.	75	5
11-Month HighHighest APY in the last 323 days.	3.85%	4.40%
11-Month LowLowest APY in the last 323 days.	3.60%	4.10%
Adjustments / MoTypical number of APY moves per month.	0.09	0.56
Volatility ScoreCoefficient of variation (stdev ÷ mean). Lower is more stable.	0.030	0.020

How to read these metrics(Click to expand)

Trends & Velocity

Trend: The general direction of the rate over the analyzed period. Useful for spotting if a bank is currently aggressive or pulling back.
Velocity (bps/mo): Speed of change. A high positive number means they raise rates quickly. 10 bps = 0.10%.
Adjustments/Mo: "Twitchiness." High frequency means the rate changes constantly; low frequency means it's stable.

Risk & Range

High/Low: The absolute ceiling and floor of the rate during the 323-day window.
Volatility Score: Lower is better for predictability. It indicates how wildly the rate swings relative to its average.
Days Since Change: If this number is high (e.g., >90), the rate is very sticky. If low, it changed recently.

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4.35%

APY

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APY

More Comparisons

Compare Affirm's APY of 3.60% with other banks

Bank Pair	Competitor APY	Min Deposit
Affirm vs Ally Bank	3.30%	$0
Affirm vs American Express	3.40%	$0
Affirm vs Axos Bank	4.31%	$0
Affirm vs Bank of America	0.01%	$100
Affirm vs Barclays	4.00%	$0
Affirm vs Bask Bank	3.90%	$0
Affirm vs Betterment	3.50%	$10
Affirm vs BMO Alto	3.25%	$0
Affirm vs BrioDirect	4.00%	$5,000
Affirm vs Capital One	3.40%	$0
Affirm vs Charles Schwab Bank	0.15%	$0
Affirm vs Chase Bank	0.01%	$0
Affirm vs Chime	3.50%	$0
Affirm vs CIT Bank	3.75%	$100
Affirm vs Citibank	3.30%	$0
Affirm vs Citizens Access™	3.15%	$0.01
Affirm vs Climate First Bank	4.21%	$50
Affirm vs Discover Bank	3.40%	$0
Affirm vs E*TRADE from Morgan Stanley	3.75%	$0
Affirm vs Elevault	4.08%	$0
Affirm vs EverBank	4.05%	$0
Affirm vs Fitness Bank	4.75%	$100
Affirm vs FNBO Direct	3.00%	$1
Affirm vs Forbright Bank	4.00%	$0
Affirm vs FVCbank	3.85%	$500
Affirm vs GO2bank	4.50%	$0
Affirm vs Ivy Bank	4.25%	$2,500
Affirm vs LendingClub	4.20%	$0
Affirm vs Marcus by Goldman Sachs	3.65%	$0
Affirm vs Neighbors Bank	4.30%	$0
Affirm vs Newtek Bank	4.35%	$0.01
Affirm vs Openbank	4.20%	$500
Affirm vs Peak Bank	4.20%	$100
Affirm vs Pibank	4.60%	$0
Affirm vs PNC	3.53%	$0
Affirm vs Presidential Bank	4.00%	$5,000
Affirm vs Quontic Bank	3.75%	$100
Affirm vs Salem Five Direct	3.71%	$10
Affirm vs Sallie Mae Bank	3.90%	$0
Affirm vs Santander Bank	0.01%	$25
Affirm vs SoFi Bank	4.30%	$0
Affirm vs Synchrony Bank	3.65%	$0
Affirm vs TD Bank	2.75%	$0
Affirm vs TIMBR	4.40%	$1,000
Affirm vs UFB Direct	3.71%	$5000
Affirm vs Upgrade	3.05%	$0
Affirm vs Valley Direct	4.10%	$1,000
Affirm vs Varo Bank	5.00%	$0
Affirm vs Vio Bank	4.16%	$100
Affirm vs Wealthfront	4.15%	$0
Affirm vs Wells Fargo	0.05%	$25
Affirm vs Zynlo Bank	4.05%	$10

Compare Bread Savings' APY of 4.10% with other banks

Bank Pair	Competitor APY	Min Deposit
Bread Savings vs Ally Bank	3.30%	$0
Bread Savings vs American Express	3.40%	$0
Bread Savings vs Axos Bank	4.31%	$0
Bread Savings vs Bank of America	0.01%	$100
Bread Savings vs Barclays	4.00%	$0
Bread Savings vs Bask Bank	3.90%	$0
Bread Savings vs Betterment	3.50%	$10
Bread Savings vs BMO Alto	3.25%	$0
Bread Savings vs BrioDirect	4.00%	$5,000
Bread Savings vs Capital One	3.40%	$0
Bread Savings vs Charles Schwab Bank	0.15%	$0
Bread Savings vs Chase Bank	0.01%	$0
Bread Savings vs Chime	3.50%	$0
Bread Savings vs CIT Bank	3.75%	$100
Bread Savings vs Citibank	3.30%	$0
Bread Savings vs Citizens Access™	3.15%	$0.01
Bread Savings vs Climate First Bank	4.21%	$50
Bread Savings vs Discover Bank	3.40%	$0
Bread Savings vs E*TRADE from Morgan Stanley	3.75%	$0
Bread Savings vs Elevault	4.08%	$0
Bread Savings vs EverBank	4.05%	$0
Bread Savings vs Fitness Bank	4.75%	$100
Bread Savings vs FNBO Direct	3.00%	$1
Bread Savings vs Forbright Bank	4.00%	$0
Bread Savings vs FVCbank	3.85%	$500
Bread Savings vs GO2bank	4.50%	$0
Bread Savings vs Ivy Bank	4.25%	$2,500
Bread Savings vs LendingClub	4.20%	$0
Bread Savings vs Marcus by Goldman Sachs	3.65%	$0
Bread Savings vs Neighbors Bank	4.30%	$0
Bread Savings vs Newtek Bank	4.35%	$0.01
Bread Savings vs Openbank	4.20%	$500
Bread Savings vs Peak Bank	4.20%	$100
Bread Savings vs Pibank	4.60%	$0
Bread Savings vs PNC	3.53%	$0
Bread Savings vs Presidential Bank	4.00%	$5,000
Bread Savings vs Quontic Bank	3.75%	$100
Bread Savings vs Salem Five Direct	3.71%	$10
Bread Savings vs Sallie Mae Bank	3.90%	$0
Bread Savings vs Santander Bank	0.01%	$25
Bread Savings vs SoFi Bank	4.30%	$0
Bread Savings vs Synchrony Bank	3.65%	$0
Bread Savings vs TD Bank	2.75%	$0
Bread Savings vs TIMBR	4.40%	$1,000
Bread Savings vs UFB Direct	3.71%	$5000
Bread Savings vs Upgrade	3.05%	$0
Bread Savings vs Valley Direct	4.10%	$1,000
Bread Savings vs Varo Bank	5.00%	$0
Bread Savings vs Vio Bank	4.16%	$100
Bread Savings vs Wealthfront	4.15%	$0
Bread Savings vs Wells Fargo	0.05%	$25
Bread Savings vs Zynlo Bank	4.05%	$10