High-Yield Savings Account Comparison

Ally Bank 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

Ally Bank

Savings Account

3.30%

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: 57803)
Eligibility	United States
Mobile Ratings	iOS:4.7 Android:4.4
BBB Rating	A+(Not BBB Accredited)

Rate Stability

Rate Adjusted

-0.20%

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

Ally Bank vs. Bread Savings Savings Calculator

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

Initial Deposit

Recurring Deposit

Frequency

Duration

Bread Savings earns $512.3 more than Ally Bank.

Ally Bank

Savings Account

3.30% APY

Savings Breakdown

Interest Earned
+$1,987.10(9.9%)
Total Contributions
$13,000
Initial Deposit
$5,000

Projected Balance

$19,987.10

Effective APY

3.30%

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 Ally Bank vs. Bread Savings

Updated: Dec 10, 2025

Why Ally Bank?

No distinct advantages found vs Bread Savings.

Why Bread Savings?

✓Higher potential APY (4.10% vs 3.30%) 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 $330/yr).

Better Returns at $25,000

Bread Savings

Bread Savings's High-Yield Savings Account pulls ahead with larger amounts (approx. $1025 vs $825/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.

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 $80 more interest on a $10,000 balance than Ally Bank's Savings Account.

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

Ally BankBread Savings

Automated Data Audit

Executive Summary

Bread Savings offers a High-Yield Savings Account with a competitive APY of 4.10%, significantly higher than Ally Bank's Savings Account, which has an APY of 3.30%. Both accounts are online-only and have no maintenance fees, but Bread Savings requires a minimum deposit of $100. Notably, Bread Savings provides better returns at various deposit levels, making it a more attractive option for savers looking for higher yields without complex requirements. Ally Bank's account, while lower in yield, still offers a solid option with no minimum deposit and no direct deposit requirement.

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.

ExploreAlly Bank ExploreBread Savings

Top Market Contenders

See who beats both Ally Bank 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 Ally Bank 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 Ally Bank Axos Bank vs Bread Savings

TIMBR

Premium Savings Account

FDIC InsuredLow Minimums

4.40% APY

+0.30% vs Bread Savings

Better Rate

TIMBR vs Ally Bank TIMBR vs Bread Savings

Feature	Ally Bank	Bread Savings
APY	3.30% Verified: 12/10/2025 ↘︎ 0.20%90d Change	4.10% Verified: 12/10/2025 ↘︎ 0.15%90d Change
Product Name	Savings 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	iOS4.7 Android4.4	iOS4.7 Android4.5
BBB Rating	A+	A+
Next Steps	- View Details	- View Details

📈 Compare Savings Rates Over Time

Historical Performance

Last 10 Months Analysis

Metric	Ally Bank	Bread Savings
	Savings Account	High-Yield Savings Account
Current APYMost recent advertised annual-percentage yield.	3.30%	4.10%
TrendDirection over the last 10 months (regression slope).	Stable	Stable
Velocity (bps/mo)Average monthly change; 10 bps = 0.10 pp.	-4.3	-2.6
Days Since ChangeRecency of the latest APY adjustment.	40	5
10-Month HighHighest APY in the last 316 days.	3.80%	4.40%
10-Month LowLowest APY in the last 316 days.	3.30%	4.10%
Adjustments / MoTypical number of APY moves per month.	0.47	0.57
Volatility ScoreCoefficient of variation (stdev ÷ mean). Lower is more stable.	0.040	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 316-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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4.35%

APY

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4.31%

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4.00%

APY

More Comparisons

Compare Ally Bank's APY of 3.30% with other banks

Bank Pair	Competitor APY	Min Deposit
Ally Bank vs Affirm	3.60%	$0
Ally Bank vs American Express	3.40%	$0
Ally Bank vs Axos Bank	4.31%	$0
Ally Bank vs Bank of America	0.01%	$100
Ally Bank vs Barclays	4.00%	$0
Ally Bank vs Bask Bank	3.90%	$0
Ally Bank vs Betterment	3.50%	$10
Ally Bank vs BMO Alto	3.25%	$0
Ally Bank vs BrioDirect	4.00%	$5,000
Ally Bank vs Capital One	3.40%	$0
Ally Bank vs Charles Schwab Bank	0.15%	$0
Ally Bank vs Chase Bank	0.01%	$0
Ally Bank vs Chime	3.50%	$0
Ally Bank vs CIT Bank	3.75%	$100
Ally Bank vs Citibank	3.30%	$0
Ally Bank vs Citizens Access™	3.15%	$0.01
Ally Bank vs Climate First Bank	4.21%	$50
Ally Bank vs Discover Bank	3.40%	$0
Ally Bank vs E*TRADE from Morgan Stanley	3.75%	$0
Ally Bank vs Elevault	4.08%	$0
Ally Bank vs EverBank	4.05%	$0
Ally Bank vs Fitness Bank	4.75%	$100
Ally Bank vs FNBO Direct	3.00%	$1
Ally Bank vs Forbright Bank	4.00%	$0
Ally Bank vs FVCbank	3.85%	$500
Ally Bank vs GO2bank	4.50%	$0
Ally Bank vs Ivy Bank	4.25%	$2,500
Ally Bank vs LendingClub	4.20%	$0
Ally Bank vs Marcus by Goldman Sachs	3.65%	$0
Ally Bank vs Neighbors Bank	4.30%	$0
Ally Bank vs Newtek Bank	4.35%	$0.01
Ally Bank vs Openbank	4.20%	$500
Ally Bank vs Peak Bank	4.20%	$100
Ally Bank vs Pibank	4.60%	$0
Ally Bank vs PNC	3.53%	$0
Ally Bank vs Presidential Bank	4.00%	$5,000
Ally Bank vs Quontic Bank	3.75%	$100
Ally Bank vs Salem Five Direct	3.71%	$10
Ally Bank vs Sallie Mae Bank	3.90%	$0
Ally Bank vs Santander Bank	0.01%	$25
Ally Bank vs SoFi Bank	4.30%	$0
Ally Bank vs Synchrony Bank	3.65%	$0
Ally Bank vs TD Bank	2.75%	$0
Ally Bank vs TIMBR	4.40%	$1,000
Ally Bank vs UFB Direct	3.71%	$5000
Ally Bank vs Upgrade	3.05%	$0
Ally Bank vs Valley Direct	4.10%	$1,000
Ally Bank vs Varo Bank	5.00%	$0
Ally Bank vs Vio Bank	4.16%	$100
Ally Bank vs Wealthfront	4.15%	$0
Ally Bank vs Wells Fargo	0.05%	$25
Ally Bank 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 Affirm	3.60%	$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