Bread Savings vs. Chase Bank
Compare rates, requirements, and features side-by-side to find the best option for you.
| Metric | Bread SavingsHigh-Yield Savings Account Jan 21, 2026 | Chase BankChase Savings℠ Jan 21, 2026 |
|---|---|---|
| APY | 4.00% | 0.01% |
Est. Earnings | $5,000+$200 $10,000+$400 $25,000+$1,000 | $5,000+$1 $10,000+$1 $25,000+$3 |
Min Deposit | $100 | $0 |
Snapshot view. Rates subject to change. | ||
Terms | - | APY may vary by market. The maintenance fee may be waived under some circumstances, such as if the account balance is maintained with at least $300 each day, or you set up automatic transfers from a linked Chase account, etc. |
| Features | FDIC InsuredLow MinimumsGreat iOS AppGreat Android App | FDIC InsuredNo MinimumsGreat iOS AppGreat Android AppIn-Person AccessZelle® Supported |
Market Reality Check
Both of these banks offer rates below the current top tier. The best rates we track are currently above 4.20% APY.
Comparison Analysis
Comparing Bread Savings vs. Chase Bank
As of Bread Savings offers an APY of 4.00% for its High-Yield Savings Account, with a minimum balance of $0, compared to Chase Bank's 0.01% APY for its Chase Savings℠ account, with a minimum balance of $0.
Bread Savings pays $399 more than Chase Bank on a $10,000 balance after one year. Bread Savings pays $400, while Chase Bank pays $1 - an APY advantage for Bread Savings.
Why Bread Savings?
- ✓Higher potential APY (4.00% vs 0.01%) on all balances
- ✓No checking account or direct deposit required
Why Chase Bank?
- ✓Fast transfers via Zelle® (up to $2,000 a day)
— Key Feature Differences —
Better Returns at $10,000
Bread SavingsBread Savings's High-Yield Savings Account earns more on smaller deposits (approx. $400 vs $1/yr).
Better Returns at $25,000
Bread SavingsBread Savings's High-Yield Savings Account pulls ahead with larger amounts (approx. $1000 vs $3/yr).
Best for Simplicity
Bread SavingsBread Savings's High-Yield Savings Account offers 4.00% APY with no bundling, direct deposit requirement or caps.
Best Mobile App Experience
Chase BankChase Bank offers an iOS app rated 4.8 (vs. 4.7) and Android app rated 4.7 (vs. 4.6)
Shared Benefits
Over a 1-year period, Bread Savings's High-Yield Savings Account pays $399 more interest on a $10,000 balance than Chase Bank's Chase Savings℠.
*This calculation assumes current rates remain consistent for 1 year and does not include temporary bonuses.
Executive Summary as of
Bread Savings offers a High-Yield Savings Account with an attractive APY of 4.00%, making it a superior choice for savers compared to Chase Bank's savings account, which only provides a minimal APY of 0.01%. Bread Savings stands out for its simplicity, requiring no direct deposit and having no maintenance fees, while also being an online-only option. In contrast, Chase Bank's account has a maintenance fee of $5, which can be waived under certain conditions. For those looking to maximize their savings, Bread Savings is clearly the better option.
The analysis is based on current Banksparency database records
* This content is provided for informational purposes only; always verify details with the provider.
Non-sponsored link to official site
Non-sponsored link to official site
Top Market Contenders
Bread Savings vs. Chase Bank Savings Calculator
You earn $399 more with Bread Savings than Chase Bank on a $10,000 initial deposit for 1 year*.
*This calculation assumes that APYs remain unchanged for 1 year, and takes into account known promo rate periods, but does not factor in bonuses. You can see how often these banks have changed their rates in the Compare Savings Rates Over Time section below.
Bread Savings
High-Yield Savings Account
Savings Breakdown
- Interest Earned+$400.00(3.8%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,400.00
Chase Bank
Chase Savings℠
Savings Breakdown
- Interest Earned+$1.00(0.0%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,001.00
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
| Feature | Bread Savings | Chase Bank |
|---|---|---|
| APY | 4.00% Verified: 1/21/2026 ↘︎ 0.20%90d Change | 0.01% Verified: 1/21/2026 Stable (90d) |
| Product Name | High-Yield Savings Account | Chase Savings℠ |
| Minimum Deposit | $100 | $0 |
| Min. Balance for APY | $0 | $0 |
| Monthly Fee | $0 | $5 |
| Branch Access | None | Yes |
| Account Type | Online Only | Online & Branches |
| Direct Deposit Req. | None | None |
| Checking Bundle | No | No |
| Mobile Apps | iOS4.7 Android4.6 | iOS4.8 Android4.7 |
| Zelle® Support | Not Supported | Available Limit: $2,000/dayBranded as Chase QuickPay; dynamic limits up to $10k. |
| BBB Rating | A+ | A- |
| Important Notes | - | APY may vary by market. The maintenance fee may be waived under some circumstances, such as if the account balance is maintained with at least $300 each day, or you set up automatic transfers from a linked Chase account, etc. |
| Next Steps | Visit SiteVerify at Bread Savings Non-sponsored link to official site | Visit SiteVerify at Chase Bank Non-sponsored link to official site |
📈 Compare Savings Rates Over Time
Historical Performance
| Metric | Bread Savings | Chase Bank |
|---|---|---|
| High-Yield Savings Account | Chase Savings℠ | |
Current APY | 4.00% | 0.01% |
Trend | Stable | Stable |
Velocity (bps/mo) | -3.1 | 0.0 |
Days Since Change | 5 | 357 |
12-Month High | 4.40% | 0.01% |
12-Month Low | 4.00% | 0.01% |
Adjustments / Mo | 0.67 | 0.00 |
Volatility Score | 0.027 | 0.000 |
How to read these metrics(Click to expand)
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High Rates (With Checking Bundle)
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