Bread Savings vs. Citibank
Compare rates, requirements, and features side-by-side to find the best option for you.
Bread Savings
High-Yield Savings Account
4.10%APYDec 10, 2025FDIC InsuredLow MinimumsGreat iOS AppGreat Android AppShow Fine Print & Trends Hide Details
Bread Savings
High-Yield Savings Account
Citibank
Citi Accelerate Savings
3.30%APYDec 10, 2025FDIC InsuredNo MinimumsGreat iOS AppGreat Android AppShow Fine Print & Trends Hide Details
Citibank
Citi Accelerate Savings
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.
Bread Savings vs. Citibank Savings Calculator
Bread Savings earns $512.3 more than Citibank.
Bread Savings
High-Yield Savings Account
Savings Breakdown
- Interest Earned+$2,499.40(12.2%)
- Total Contributions$13,000
- Initial Deposit$5,000
Projected Balance
$20,499.40
Citibank
Citi Accelerate Savings
Savings Breakdown
- Interest Earned+$1,987.10(9.9%)
- Total Contributions$13,000
- Initial Deposit$5,000
Projected Balance
$19,987.10
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
Comparison Analysis
Comparing Bread Savings vs. Citibank
Why Bread Savings?
- ✓Higher potential APY (4.10% vs 3.30%) on all balances
- ✓Available Nationwide
Why Citibank?
- ✓Physical branch access (U.S. branches are concentrated in six metropolitan areas, New York City, Chicago, Los Angeles, San Francisco, Washington, D.C., and Miami.)
— Key Feature Differences —
Better Returns at $10,000
Bread SavingsBread Savings's High-Yield Savings Account earns more on smaller deposits (approx. $410 vs $330/yr).
Better Returns at $25,000
Bread SavingsBread Savings's High-Yield Savings Account pulls ahead with larger amounts (approx. $1025 vs $825/yr).
Best for Simplicity
Bread SavingsBread Savings's High-Yield Savings Account offers 4.10% APY with no bundling, direct deposit requirement or caps.
Best Mobile App Experience
CitibankCitibank offers an iOS app rated 4.9 (vs. 4.7) and Android app rated 4.8 (vs. 4.5)
Shared Benefits
Over a 1-year period, Bread Savings's High-Yield Savings Account pays $80 more interest on a $10,000 balance than Citibank's Citi Accelerate Savings.
*This calculation assumes current rates remain consistent for 1 year and does not include temporary bonuses.
Executive Summary
Bread Savings offers a High-Yield Savings Account with a competitive APY of 4.10%, making it the clear winner in this comparison. This account requires a minimum deposit of $100, has no maintenance fees, and does not mandate direct deposit, making it an attractive option for savers. In contrast, Citibank's Citi Accelerate Savings provides a lower APY of 3.30% and is available only to customers in select states, which may limit accessibility. Citibank also offers a standard savings account with a significantly lower APY of 0.03%. Both banks provide online-only services, but Bread Savings stands out for its higher yield and simpler terms.
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.
Top Market Contenders
See who beats both Bread Savings and Citibank.
| Feature | Bread Savings | Citibank |
|---|---|---|
| APY | 4.10% Verified: 12/10/2025 ↘︎ 0.15%90d Change | 3.30% Verified: 12/10/2025 ↘︎ 0.20%90d Change |
| Product Name | High-Yield Savings Account | Citi Accelerate Savings |
| Minimum Deposit | $100 | $0 |
| Min. Balance for APY | $0 | $0.01 |
| Monthly Fee | $0 | $4.50. Waived for average monthly balances > $500 |
| Branch Access | None | None |
| Account Type | Online Only | Online Only |
| Direct Deposit Req. | None | None |
| Checking Bundle | No | No |
| Mobile Apps | iOS4.7 Android4.5 | iOS4.9 Android4.8 |
| BBB Rating | A+ | D- |
| Important Notes | - | Eligibility restricted to select states. |
| Next Steps |
📈 Compare Savings Rates Over Time
Historical Performance
| Metric | Bread Savings | Citibank | |
|---|---|---|---|
| High-Yield Savings Account | Citi® Savings Account | Citi Accelerate Savings | |
Current APY | 4.10% | 0.03% | 3.30% |
Trend | Stable | Stable | Stable |
Velocity (bps/mo) | -2.6 | -0.0 | -4.9 |
Days Since Change | 5 | 315 | 22 |
10-Month High | 4.40% | 0.03% | 3.80% |
10-Month Low | 4.10% | 0.03% | 3.30% |
Adjustments / Mo | 0.57 | 0.00 | 0.57 |
Volatility Score | 0.020 | 0.000 | 0.044 |
How to read these metrics(Click to expand)
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