Bread Savings vs. Ivy Bank
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
Ivy Bank
High-Yield Savings Account
Up to4.25%APYDec 10, 2025FDIC InsuredMod. MinimumGreat iOS AppRange: 0.05% – 4.25%Show Fine Print & Trends Hide Details
Ivy Bank
High-Yield Savings Account
Prefer In-Person Banking?
Both of these banks are online-only. If you need physical branch access, check out our list of high-yield accounts with brick-and-mortar locations.
Bread Savings vs. Ivy Bank Savings Calculator
Ivy Bank earns $97.4 more than Bread Savings.
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
Ivy Bank
High-Yield Savings Account
Savings Breakdown
- Interest Earned+$2,596.80(12.6%)
- Total Contributions$13,000
- Initial Deposit$5,000
Projected Balance
$20,596.80
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
Comparison Analysis
Comparing Bread Savings vs. Ivy Bank
Why Bread Savings?
- ✓No checking account or direct deposit required
- ✓Higher rated Android app (4.5 vs 3.5)
- ✓Available Nationwide
Why Ivy Bank?
- ✓Higher potential APY (4.25% vs 4.10%) on all balances
— Key Feature Differences —
Better Returns at $10,000
Ivy BankIvy Bank's High-Yield Savings Account earns more on smaller deposits (approx. $425 vs $410/yr).
Better Returns at $25,000
Ivy BankIvy Bank's High-Yield Savings Account pulls ahead with larger amounts (approx. $1063 vs $1025/yr).
Best for Simplicity
Bread SavingsBread Savings's High-Yield Savings Account offers 4.10% APY with no bundling, direct deposit requirement or caps.
Shared Benefits
Over a 1-year period, Ivy Bank's High-Yield Savings Account pays $15 more interest on a $10,000 balance than Bread Savings's High-Yield Savings Account.
*This calculation assumes current rates remain consistent for 1 year and does not include temporary bonuses.
Executive Summary
Ivy Bank offers a High-Yield Savings Account with a competitive APY of 4.25%, making it the winner in this comparison. This account, which requires a minimum deposit and balance of $2,500, allows for daily compounding and has no maintenance fees. In contrast, Bread Savings provides a similar product with a slightly lower APY of 4.10% and no minimum balance requirements, making it ideal for those looking for simplicity. Both accounts are online-only and do not require direct deposit, but Ivy Bank has eligibility restrictions for residents of California and U.S. Territories (except D.C.).
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 Ivy Bank.
| Feature | Bread Savings | Ivy Bank |
|---|---|---|
| APY | 4.10% Verified: 12/10/2025 ↘︎ 0.15%90d Change | 4.25% Range: 0.05% - 4.25% Verified: 12/10/2025 - |
| Product Name | High-Yield Savings Account | High-Yield Savings Account |
| Minimum Deposit | $100 | $2,500 |
| Min. Balance for APY | $0 | $2,500 |
| 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 | iOS4.7 Android3.5 |
| BBB Rating | A+ | A- |
| Next Steps |
📈 Compare Savings Rates Over Time
Historical Performance
| Metric | Bread Savings | Ivy Bank |
|---|---|---|
| High-Yield Savings Account | High-Yield Savings Account | |
Current APY | 4.10% | 4.25% |
Trend | Stable | Stable |
Velocity (bps/mo) | -12.2 | 0.0 |
Days Since Change | 5 | 26 |
1-Month High | 4.20% | 4.25% |
1-Month Low | 4.10% | 4.25% |
Adjustments / Mo | 2.22 | 0.00 |
Volatility Score | 0.008 | 0.000 |
How to read these metrics(Click to expand)
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