Bread Savings vs. EverBank
Comparing Bread Savings and EverBank for high-yield savings: Bread Savings's High-Yield Savings Account pays 4.00% APY while EverBank's Performance Savings pays 3.90% 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 $10 more than EverBank annually ($400 vs $390).
Choose EverBank if you want Zelle for quick transfers.
| Metric | Bread SavingsHigh-Yield Savings Account Feb 6, 2026 | EverBankPerformance Savings Feb 6, 2026 |
|---|---|---|
| APY | 4.00% | 3.90% |
Est. Earnings | $5,000+$200 $10,000+$400 $25,000+$1,000 | $5,000+$195 $10,000+$390 $25,000+$975 |
Min Deposit | $100 | $0 |
Snapshot view. Rates subject to change. | ||
| Features | FDIC InsuredLow MinimumsGreat iOS AppGreat Android AppDaily CompoundingRate Changes Often | FDIC InsuredNo MinimumsGreat iOS AppGreat Android AppZelle® SupportedDaily CompoundingRate Changes Often |
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. EverBank
Executive Summary
Bread Savings offers a High-Yield Savings Account with a competitive APY of 4.00%, making it the highest-yielding option compared to EverBank's Performance Savings account, which has an APY of 3.90%. Both accounts are online-only and require no minimum balance or maintenance fees, providing flexibility for savers. While Bread Savings requires a minimum deposit of $100, EverBank does not have any minimum deposit requirements. Overall, Bread Savings is the clear winner based on the provided APY data.
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?
No distinct advantages found vs EverBank.
Why EverBank?
- ✓Physical branch access (11 locations in Florida and California)
- ✓Fast transfers via Zelle®
Shared Benefits
Over a 1-year period, Bread Savings's High-Yield Savings Account pays $10 more interest on a $10,000 balance than EverBank's Performance 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. EverBank Savings Calculator
You earn $10 more with Bread Savings than EverBank 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
EverBank
Performance Savings
Savings Breakdown
- Interest Earned+$390.00(3.8%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,390.00
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
Still banking with Chase, Bank of America, or Wells Fargo?
On a $10,000 balance, you're missing out on at least $389 per year in interest.
Both Bread Savings and EverBank dramatically outperform the typical 0.01% APY at traditional big banks.
| Feature | Bread Savings | EverBank |
|---|---|---|
| APY | 4.00% Verified: 2/6/2026 ↘︎ 0.20%90d Change | 3.90% Verified: 2/6/2026 ↘︎ 0.15%90d Change |
| Product Name | High-Yield Savings Account | Performance Savings |
| Minimum Deposit | $100 | $0 |
| Min. Balance for APY | $0 | $0 |
| Monthly Fee | $0 | $0 |
| Compound Frequency | Daily | Daily |
| Branch Access | None | None |
| Account Type | Online Only | Online Only |
| Physical Branches | None | 11 locations in Florida and California |
| Direct Deposit Req. | None | None |
| Checking Bundle | No | No |
| Mobile Apps | ||
| FDIC Insured | YesVerify FDIC | YesVerify FDIC |
| Zelle® Support | Not Supported | Available Native integration verified. |
| BBB Rating | A+ | A+ |
| Next Steps | Visit SiteVerify at Bread Savings Non-sponsored link to official site | Visit SiteVerify at EverBank Non-sponsored link to official site |
📈 Compare Savings Rates Over Time
Historical Performance
| Metric | Bread Savings | EverBank |
|---|---|---|
| High-Yield Savings Account | Performance Savings | |
Current APY | 4.00% | 3.90% |
Trend | Stable | Stable |
Velocity (bps/mo) | -3.3 | -3.9 |
Days Since Change | 21 | 49 |
12-Month High | 4.40% | 4.30% |
12-Month Low | 4.00% | 3.90% |
Adjustments / Mo | 0.66 | 0.16 |
Volatility Score | 0.029 | 0.039 |
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 Chase Bank | 0.01% | $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 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 |