Bread Savings vs. Citizens Access™
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
Citizens Access™
Citizens Access® Savings
3.15%APYDec 10, 2025FDIC InsuredNo MinimumsGreat iOS AppGreat Android AppShow Fine Print & Trends Hide Details
Citizens Access™
Citizens Access® 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. Citizens Access™ Savings Calculator
Bread Savings earns $606.9 more than Citizens Access™.
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
Citizens Access™
Citizens Access® Savings
Savings Breakdown
- Interest Earned+$1,892.50(9.5%)
- Total Contributions$13,000
- Initial Deposit$5,000
Projected Balance
$19,892.50
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
Comparison Analysis
Comparing Bread Savings vs. Citizens Access™
Why Bread Savings?
- ✓Higher potential APY (4.10% vs 3.15%) on all balances
Why Citizens Access™?
- ✓Higher rated Android app (4.9 vs 4.5)
— Key Feature Differences —
Better Returns at $10,000
Bread SavingsBread Savings's High-Yield Savings Account earns more on smaller deposits (approx. $410 vs $315/yr).
Better Returns at $25,000
Bread SavingsBread Savings's High-Yield Savings Account pulls ahead with larger amounts (approx. $1025 vs $788/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
Citizens Access™Citizens Access™ offers an iOS app rated 4.8 (vs. 4.7) and Android app rated 4.9 (vs. 4.5)
Shared Benefits
Over a 1-year period, Bread Savings's High-Yield Savings Account pays $95 more interest on a $10,000 balance than Citizens Access™'s Citizens Access® 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%, significantly higher than Citizens Access™, which provides a savings account with an APY of 3.15%. Both accounts are online-only and have no maintenance fees or minimum balance requirements, making them accessible for savers. Bread Savings stands out for its higher returns, particularly on larger deposits, while Citizens Access™ is noted for its superior mobile app experience. Neither bank requires direct deposit to open an account.
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 Citizens Access™.
| Feature | Bread Savings | Citizens Access™ |
|---|---|---|
| APY | 4.10% Verified: 12/10/2025 ↘︎ 0.15%90d Change | 3.15% Verified: 12/10/2025 ↘︎ 0.35%90d Change |
| Product Name | High-Yield Savings Account | Citizens Access® Savings |
| Minimum Deposit | $100 | $0.01 |
| Min. Balance for APY | $0 | $0.01 |
| 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 Android4.5 | iOS4.8 Android4.9 |
| BBB Rating | A+ | A+ |
| Next Steps |
📈 Compare Savings Rates Over Time
Historical Performance
| Metric | Bread Savings | Citizens Access™ |
|---|---|---|
| High-Yield Savings Account | Citizens Access® Savings | |
Current APY | 4.10% | 3.15% |
Trend | Stable | Stable |
Velocity (bps/mo) | -2.6 | -3.9 |
Days Since Change | 5 | 0 |
10-Month High | 4.40% | 3.70% |
10-Month Low | 4.10% | 3.15% |
Adjustments / Mo | 0.57 | 0.28 |
Volatility Score | 0.020 | 0.038 |
How to read these metrics(Click to expand)
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