High-Yield Savings Account Comparison

Bread Savings vs. FNBO Direct

Compare rates, requirements, and features side-by-side to find the best option for you.

Analysis by Aviel Fahl
Updated December 10, 2025

Bread Savings

High-Yield Savings Account

4.10%
APY
Dec 10, 2025
FDIC InsuredLow MinimumsGreat iOS AppGreat Android App
Show Fine Print & Trends
Min. Deposit$100
Min. Balance$0
Maintenance Fee$0
Compound FreqDaily
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 57570)
EligibilityUnited States
Mobile Ratings
iOS:4.7Android:4.5
BBB Rating
A+(BBB Accredited (Information provided is for Comenity Capital Bank))

Rate Stability

7 days
↘︎ 0.05%
30 days
↘︎ 0.10%
90 days
↘︎ 0.15%
Read Bank Overview

FNBO Direct

High-Yield Online Savings Account

3.00%
APY
Dec 10, 2025
FDIC InsuredLow MinimumsGreat iOS AppGreat Android App
Show Fine Print & Trends
Min. Deposit$1
Min. Balance$0.01
Maintenance Fee$0
Compound FreqMonthly
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 5452)
EligibilityUnited States
Mobile Ratings
iOS:4.5Android:4.8
BBB Rating
A+(BBB Accredited)

Rate Stability

Rate Adjusted
-0.25%
Since 90 days ago
Read Bank Overview

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.

See Top Rates

Bread Savings vs. FNBO Direct Savings Calculator

Calculations based on current APY for High-Yield Savings Account and High-Yield Online Savings Account
$
$

Bread Savings earns $701.2 more than FNBO Direct.

Bread Savings

High-Yield Savings Account

4.10% APY

Savings Breakdown

  • Interest Earned
    +$2,499.40(12.2%)
  • Total Contributions
    $13,000
  • Initial Deposit
    $5,000

Projected Balance

$20,499.40

Effective APY
4.10%
View Details

FNBO Direct

High-Yield Online Savings Account

3.00% APY

Savings Breakdown

  • Interest Earned
    +$1,798.20(9.1%)
  • Total Contributions
    $13,000
  • Initial Deposit
    $5,000

Projected Balance

$19,798.20

Effective APY
3.00%
View Details

The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.

Comparison Analysis

Comparing Bread Savings vs. FNBO Direct

Updated: Dec 10, 2025

Why Bread Savings?

  • ✓Higher potential APY (4.10% vs 3.00%) on all balances

Why FNBO Direct?

  • ✓Higher rated Android app (4.8 vs 4.5)

— Key Feature Differences —

Better Returns at $10,000
Bread Savings

Bread Savings's High-Yield Savings Account earns more on smaller deposits (approx. $410 vs $300/yr).

Better Returns at $25,000
Bread Savings

Bread Savings's High-Yield Savings Account pulls ahead with larger amounts (approx. $1025 vs $750/yr).

Best for Simplicity
Bread Savings

Bread Savings's High-Yield Savings Account offers 4.10% APY with no bundling, direct deposit requirement or caps.

Shared Benefits

Both offer monthly maintenance-free account options Available Nationwide Available to New & Existing Customers
The Bottom Line on APY (Interest Only)

Over a 1-year period, Bread Savings's High-Yield Savings Account pays $110 more interest on a $10,000 balance than FNBO Direct's High-Yield Online Savings Account.

*This calculation assumes current rates remain consistent for 1 year and does not include temporary bonuses.

FNBO DirectBread Savings
Automated Data Audit

Executive Summary

Bread Savings offers a High-Yield Savings Account with an attractive APY of 4.10%, significantly outperforming FNBO Direct's High-Yield Online Savings Account, which has an APY of 3.00%. Bread Savings's account requires a minimum deposit of $100, has no maintenance fees, and does not mandate direct deposit, making it a straightforward option for savers. In contrast, FNBO Direct requires only a $1 minimum deposit but offers a lower yield. Both accounts are online-only and FDIC insured, providing secure options for savers.

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.

ExploreBread SavingsExploreFNBO Direct

Top Market Contenders

See who beats both Bread Savings and FNBO Direct.

Compare All High-Yield Savings Accounts
Pibank
Pibank Savings
FDIC InsuredNo Minimums
4.60% APY
+0.50% vs Bread Savings
Better Rate
Pibank vs Bread SavingsPibank vs FNBO Direct
Axos Bank
Axos ONE
FDIC InsuredNo MinimumsGreat iOS AppGreat Android App
4.31% APY
+0.21% vs Bread Savings
Better Rate
Axos Bank vs Bread SavingsAxos Bank vs FNBO Direct
TIMBR
Premium Savings Account
FDIC InsuredLow Minimums
4.40% APY
+0.30% vs Bread Savings
Better Rate
TIMBR vs Bread SavingsTIMBR vs FNBO Direct
FeatureBread SavingsFNBO Direct
APY
4.10%
Verified: 12/10/2025
↘︎ 0.15%90d Change
3.00%
Verified: 12/10/2025
↘︎ 0.25%90d Change
Product NameHigh-Yield Savings AccountHigh-Yield Online Savings Account
Minimum Deposit$100$1
Min. Balance for APY$0$0.01
Monthly Fee$0$0
Branch AccessNoneNone
Account Type
Online Only
Online Only
Direct Deposit Req.NoneNone
Checking BundleNoNo
Mobile Apps
iOS4.7
Android4.5
iOS4.5
Android4.8
BBB RatingA+A+
Next Steps
- View Details
- View Details

📈 Compare Savings Rates Over Time

Historical Performance

Last 5 Months Analysis
MetricBread SavingsFNBO Direct
High-Yield Savings AccountHigh-Yield Online Savings Account
Current APY
4.10%3.00%
Trend
 Stable Stable
Velocity (bps/mo)
-2.8-8.0
Days Since Change
568
5-Month High
4.25%3.25%
5-Month Low
4.10%3.00%
Adjustments / Mo
0.650.22
Volatility Score
0.0100.040
How to read these metrics(Click to expand)

Trends & Velocity

  • Trend: The general direction of the rate over the analyzed period. Useful for spotting if a bank is currently aggressive or pulling back.
  • Velocity (bps/mo): Speed of change. A high positive number means they raise rates quickly. 10 bps = 0.10%.
  • Adjustments/Mo: "Twitchiness." High frequency means the rate changes constantly; low frequency means it's stable.

Risk & Range

  • High/Low: The absolute ceiling and floor of the rate during the 139-day window.
  • Volatility Score: Lower is better for predictability. It indicates how wildly the rate swings relative to its average.
  • Days Since Change: If this number is high (e.g., >90), the rate is very sticky. If low, it changed recently.

Compare Similar High-Yield Accounts

Compare Bread Savings vs...

Comparing against Standard Savings

vs Bread Savings
PibankNo Bundle Req
4.60%
APY
vs Bread Savings
TIMBRNo Bundle Req
4.40%
APY
vs Bread Savings
Newtek BankNo Bundle Req
4.35%
APY

Compare FNBO Direct vs...

Comparing against Standard Savings

vs FNBO Direct
PibankNo Bundle Req
4.60%
APY
vs FNBO Direct
TIMBRNo Bundle Req
4.40%
APY
vs FNBO Direct
Newtek BankNo Bundle Req
4.35%
APY

Higher Rates (With Checking)

Looking for something different? Check out these top-rated alternatives.

Checking Bundle
Axos Bank View Details
4.31%
APY
Checking Bundle
SoFi Bank View Details
4.30%
APY
Checking Bundle
Presidential Bank View Details
4.00%
APY

More Comparisons

Compare Bread Savings' APY of 4.10% with other banks
Bank PairCompetitor APYMin Deposit
Bread Savings vs Affirm3.60%$0
Bread Savings vs Ally Bank3.30%$0
Bread Savings vs American Express3.40%$0
Bread Savings vs Axos Bank4.31%$0
Bread Savings vs Bank of America0.01%$100
Bread Savings vs Barclays4.00%$0
Bread Savings vs Bask Bank3.90%$0
Bread Savings vs Betterment3.50%$10
Bread Savings vs BMO Alto3.25%$0
Bread Savings vs BrioDirect4.00%$5,000
Bread Savings vs Capital One3.40%$0
Bread Savings vs Charles Schwab Bank0.15%$0
Bread Savings vs Chase Bank0.01%$0
Bread Savings vs Chime3.50%$0
Bread Savings vs CIT Bank3.75%$100
Bread Savings vs Citibank3.30%$0
Bread Savings vs Citizens Access™3.15%$0.01
Bread Savings vs Climate First Bank4.21%$50
Bread Savings vs Discover Bank3.40%$0
Bread Savings vs E*TRADE from Morgan Stanley3.75%$0
Bread Savings vs Elevault4.08%$0
Bread Savings vs EverBank4.05%$0
Bread Savings vs Fitness Bank4.75%$100
Bread Savings vs Forbright Bank4.00%$0
Bread Savings vs FVCbank3.85%$500
Bread Savings vs GO2bank4.50%$0
Bread Savings vs Ivy Bank4.25%$2,500
Bread Savings vs LendingClub4.20%$0
Bread Savings vs Marcus by Goldman Sachs3.65%$0
Bread Savings vs Neighbors Bank4.30%$0
Bread Savings vs Newtek Bank4.35%$0.01
Bread Savings vs Openbank4.20%$500
Bread Savings vs Peak Bank4.20%$100
Bread Savings vs Pibank4.60%$0
Bread Savings vs PNC3.53%$0
Bread Savings vs Presidential Bank4.00%$5,000
Bread Savings vs Quontic Bank3.75%$100
Bread Savings vs Salem Five Direct3.71%$10
Bread Savings vs Sallie Mae Bank3.90%$0
Bread Savings vs Santander Bank0.01%$25
Bread Savings vs SoFi Bank4.30%$0
Bread Savings vs Synchrony Bank3.65%$0
Bread Savings vs TD Bank2.75%$0
Bread Savings vs TIMBR4.40%$1,000
Bread Savings vs UFB Direct3.71%$5000
Bread Savings vs Upgrade3.05%$0
Bread Savings vs Valley Direct4.10%$1,000
Bread Savings vs Varo Bank5.00%$0
Bread Savings vs Vio Bank4.16%$100
Bread Savings vs Wealthfront4.15%$0
Bread Savings vs Wells Fargo0.05%$25
Bread Savings vs Zynlo Bank4.05%$10
Compare FNBO Direct's APY of 3.00% with other banks
Bank PairCompetitor APYMin Deposit
FNBO Direct vs Affirm3.60%$0
FNBO Direct vs Ally Bank3.30%$0
FNBO Direct vs American Express3.40%$0
FNBO Direct vs Axos Bank4.31%$0
FNBO Direct vs Bank of America0.01%$100
FNBO Direct vs Barclays4.00%$0
FNBO Direct vs Bask Bank3.90%$0
FNBO Direct vs Betterment3.50%$10
FNBO Direct vs BMO Alto3.25%$0
FNBO Direct vs BrioDirect4.00%$5,000
FNBO Direct vs Capital One3.40%$0
FNBO Direct vs Charles Schwab Bank0.15%$0
FNBO Direct vs Chase Bank0.01%$0
FNBO Direct vs Chime3.50%$0
FNBO Direct vs CIT Bank3.75%$100
FNBO Direct vs Citibank3.30%$0
FNBO Direct vs Citizens Access™3.15%$0.01
FNBO Direct vs Climate First Bank4.21%$50
FNBO Direct vs Discover Bank3.40%$0
FNBO Direct vs E*TRADE from Morgan Stanley3.75%$0
FNBO Direct vs Elevault4.08%$0
FNBO Direct vs EverBank4.05%$0
FNBO Direct vs Fitness Bank4.75%$100
FNBO Direct vs Forbright Bank4.00%$0
FNBO Direct vs FVCbank3.85%$500
FNBO Direct vs GO2bank4.50%$0
FNBO Direct vs Ivy Bank4.25%$2,500
FNBO Direct vs LendingClub4.20%$0
FNBO Direct vs Marcus by Goldman Sachs3.65%$0
FNBO Direct vs Neighbors Bank4.30%$0
FNBO Direct vs Newtek Bank4.35%$0.01
FNBO Direct vs Openbank4.20%$500
FNBO Direct vs Peak Bank4.20%$100
FNBO Direct vs Pibank4.60%$0
FNBO Direct vs PNC3.53%$0
FNBO Direct vs Presidential Bank4.00%$5,000
FNBO Direct vs Quontic Bank3.75%$100
FNBO Direct vs Salem Five Direct3.71%$10
FNBO Direct vs Sallie Mae Bank3.90%$0
FNBO Direct vs Santander Bank0.01%$25
FNBO Direct vs SoFi Bank4.30%$0
FNBO Direct vs Synchrony Bank3.65%$0
FNBO Direct vs TD Bank2.75%$0
FNBO Direct vs TIMBR4.40%$1,000
FNBO Direct vs UFB Direct3.71%$5000
FNBO Direct vs Upgrade3.05%$0
FNBO Direct vs Valley Direct4.10%$1,000
FNBO Direct vs Varo Bank5.00%$0
FNBO Direct vs Vio Bank4.16%$100
FNBO Direct vs Wealthfront4.15%$0
FNBO Direct vs Wells Fargo0.05%$25
FNBO Direct vs Zynlo Bank4.05%$10