Bread Savings vs. EverBank
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
EverBank
Performance Savings
4.05%APYDec 10, 2025FDIC InsuredNo MinimumsShow Fine Print & Trends Hide Details
EverBank
Performance 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. EverBank Savings Calculator
Bread Savings earns $32.4 more than EverBank.
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
EverBank
Performance Savings
Savings Breakdown
- Interest Earned+$2,467.00(12.1%)
- Total Contributions$13,000
- Initial Deposit$5,000
Projected Balance
$20,467.00
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
Comparison Analysis
Comparing Bread Savings vs. EverBank
Why Bread Savings?
- ✓Higher rated iOS app (4.7 vs 2.3)
- ✓Higher rated Android app (4.5 vs 1.4)
Why EverBank?
- ✓Physical branch access (11 locations in Florida and California)
— Key Feature Differences —
Best Mobile App Experience
Bread SavingsBread Savings offers an iOS app rated 4.7 (vs. 2.3) and Android app rated 4.5 (vs. 1.4)
Shared Benefits
Over a 1-year period, Bread Savings's High-Yield Savings Account pays $5 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.
Executive Summary
Bread Savings offers a High-Yield Savings Account with a competitive APY of 4.10%, making it the winner over EverBank's Performance Savings account, which has an APY of 4.05%. Both accounts are online-only, require no maintenance fees, and have a minimum deposit of $100 for Bread Savings, while EverBank has no minimum deposit requirement. Additionally, Bread Savings is noted for its superior mobile app experience, with ratings of 4.7 for iOS and 4.5 for Android, compared to lower ratings for EverBank's app.
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 EverBank.
| Feature | Bread Savings | EverBank |
|---|---|---|
| APY | 4.10% Verified: 12/10/2025 ↘︎ 0.15%90d Change | 4.05% Verified: 12/10/2025 ↘︎ 0.25%90d Change |
| Product Name | High-Yield Savings Account | Performance Savings |
| Minimum Deposit | $100 | $0 |
| Min. Balance for APY | $0 | $0 |
| 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 | iOS2.3 Android1.4 |
| BBB Rating | A+ | A+ |
| Next Steps |
📈 Compare Savings Rates Over Time
Historical Performance
| Metric | Bread Savings | EverBank |
|---|---|---|
| High-Yield Savings Account | Performance Savings | |
Current APY | 4.10% | 4.05% |
Trend | Stable | Stable |
Velocity (bps/mo) | -2.7 | -2.9 |
Days Since Change | 5 | 82 |
12-Month High | 4.60% | 4.75% |
12-Month Low | 4.10% | 4.05% |
Adjustments / Mo | 0.67 | 0.25 |
Volatility Score | 0.022 | 0.029 |
How to read these metrics(Click to expand)
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