Bread Savings vs. Chase Bank
Comparing Bread Savings and Chase Bank for savings: Bread Savings's High-Yield Savings Account pays 4.00% APY while Chase Bank's Chase Savings℠ pays 0.01% APY.
See how they compare on rate stability, mobile app ratings, and more below.
The Bottom Line
Who pays more interest on $10,000? Bread Savings pays $399 more than Chase Bank annually ($400 vs $1).
Choose Bread Savings if getting the best rate matters most. Choose Chase Bank if you value in-person banking, or you want Zelle for quick transfers.
| Metric | Bread SavingsHigh-Yield Savings Account Feb 6, 2026 | Chase BankChase Savings℠ Feb 6, 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 AppDaily CompoundingRate Changes Often | FDIC InsuredNo MinimumsGreat iOS AppGreat Android AppIn-Person AccessZelle® SupportedStable Rate |
Market Reality Check
Both of these banks offer rates below the current top tier. The best rates we track are currently above 4.15% APY.
Comparison Analysis
Comparing Bread Savings vs. Chase Bank
Executive Summary
Bread Savings offers a High-Yield Savings Account with an impressive APY of 4.00%, making it a strong choice for savers looking for higher returns without any direct deposit requirements or maintenance fees. In contrast, Chase Bank's savings account provides a significantly lower APY of 0.01%, although it does offer a user-friendly mobile app experience. Bread Savings is an online-only option, while Chase Bank has physical branches available. For those seeking higher yields, Bread Savings is the clear winner.
The analysis is based on current Banksparency database records
* This content is provided for informational purposes only; always verify details with the provider.
Why Bread Savings?
- ✓Higher potential APY (4.00% vs 0.01%) on all balances
- ✓No checking account or direct deposit required
Why Chase Bank?
- ✓Physical branch access (Chase has more than 5,000 branches in nearly all of the United States, but not in Alaska and Hawaii.)
- ✓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.
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: 2/6/2026 ↘︎ 0.20%90d Change | 0.01% Verified: 2/6/2026 Stable (90d) |
| Product Name | High-Yield Savings Account | Chase Savings℠ |
| Minimum Deposit | $100 | $0 |
| Min. Balance for APY | $0 | $0 |
| Monthly Fee | $0 | $5 |
| Compound Frequency | Daily | Monthly |
| Branch Access | None | Yes |
| Account Type | Online Only | Online & Branches |
| Physical Branches | None | Chase has more than 5,000 branches in nearly all of the United States, but not in Alaska and Hawaii. |
| Direct Deposit Req. | None | None |
| Checking Bundle | No | No |
| Mobile Apps | ||
| FDIC Insured | YesVerify FDIC | YesVerify FDIC |
| 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) | -3.3 | -0.0 |
Days Since Change | 21 | 365 |
12-Month High | 4.40% | 0.01% |
12-Month Low | 4.00% | 0.01% |
Adjustments / Mo | 0.66 | 0.00 |
Volatility Score | 0.029 | 0.000 |
How to read these metrics(Click to expand)
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High Rates (With Checking Bundle)
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More Comparisons
Compare Bread Savings' APY of 4.00% with other banks
| Bank Pair | Competitor APY | Min Deposit |
|---|---|---|
| Bread Savings vs Ally Bank | 3.30% | $0 |
| Bread Savings vs American Express | 3.30% | $0 |
| Bread Savings vs Axos Bank | 4.21% | $0 |
| Bread Savings vs Bank of America | 0.01% | $100 |
| Bread Savings vs Barclays | 4.00% | $0 |
| Bread Savings vs Capital One | 3.30% | $0 |
| Bread Savings vs Chime | 3.00% | $0 |
| Bread Savings vs CIT Bank | 3.75% | $100 |
| Bread Savings vs Citibank | 3.20% | $0 |
| Bread Savings vs Discover Bank | 3.30% | $0 |
| Bread Savings vs EverBank | 3.90% | $0 |
| Bread Savings vs Marcus by Goldman Sachs | 3.65% | $0 |
| Bread Savings vs Newtek Bank | 4.20% | $0.01 |
| Bread Savings vs Openbank | 4.09% | $500 |
| Bread Savings vs Pibank | 4.60% | $0 |
| Bread Savings vs SoFi Bank | 4.00% | $0 |
| Bread Savings vs Synchrony Bank | 3.50% | $0 |
| Bread Savings vs Varo Bank | 5.00% | $0 |
| Bread Savings vs Wealthfront | 3.95% | $0 |
| Bread Savings vs Wells Fargo | 0.05% | $25 |