Bread Savings vs. MutualOne Bank
Compare rates, requirements, and features side-by-side to find the best option for you.
| Metric | Bread SavingsHigh-Yield Savings Account Jan 7, 2026 | MutualOne BankMo Premium Savings Jan 7, 2026 |
|---|---|---|
| APY | 4.05% | 4.07% |
Est. Earnings | $5,000+$203 $10,000+$405 $25,000+$1,013 | $5,000+$0 $10,000+$0 $25,000+$1,018 |
Min Deposit | $100 | $20,000 |
Snapshot view. Rates subject to change. | ||
| Features | FDIC InsuredLow MinimumsGreat iOS AppGreat Android App | FDIC InsuredHigh MinimumGreat iOS AppGreat Android AppIn-Person AccessZelle® Supported |
Market Reality Check
Both of these banks offer rates below the current top tier. The best rates we track are currently above 4.21% APY.
Comparison Analysis
Comparing Bread Savings vs. MutualOne Bank
As of Bread Savings offers an APY of 4.05% for its High-Yield Savings Account, with a minimum balance of $0, compared to MutualOne Bank's 4.07% APY for its Mo Premium Savings account, with a minimum balance of $20,000.
MutualOne Bank pays $2 more than Bread Savings on a $10,000 balance after one year. Bread Savings pays $405, while MutualOne Bank pays $407 - an APY advantage for MutualOne Bank.
In addition, MutualOne Bank also offers 0.40% APY for the Online Savings account, with a minimum balance of 0.
Why Bread Savings?
No distinct advantages found vs MutualOne Bank.
Why MutualOne Bank?
- ✓Physical branch access (Full-service banking offices in Framingham, MA, and Natick, MA)
- ✓Fast transfers via Zelle®
— Key Feature Differences —
Better Returns at $10,000
Bread SavingsBread Savings's High-Yield Savings Account earns more on smaller deposits (approx. $405 vs $0/yr).
Shared Benefits
Over a 1-year period, MutualOne Bank's Mo Premium Savings pays $2 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 as of
Bread Savings offers a High-Yield Savings Account with a competitive APY of 4.05%, making it an attractive option for savers looking for better returns on smaller deposits, as it earns approximately $405 annually on a $10,000 deposit. In contrast, MutualOne Bank's Mo Premium Savings account provides a slightly higher APY of 4.07%, but requires a minimum deposit of $20,000, which may not be accessible for all customers. Both accounts have no maintenance fees and are FDIC insured, with Bread Savings being an online-only option, while MutualOne Bank offers both online and physical access.
The analysis is based on current Banksparency database records
* This content is provided for informational purposes only; always verify details with the provider.
Non-sponsored link to official site
Non-sponsored link to official site
Top Market Contenders
Bread Savings vs. MutualOne Bank Savings Calculator
You earn $4 more with MutualOne Bank than Bread Savings on a $20,000 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+$810.00(3.9%)
- Total Contributions$0
- Initial Deposit$20,000
Projected Balance
$20,810.00
MutualOne Bank
Mo Premium Savings
Savings Breakdown
- Interest Earned+$814.00(3.9%)
- Total Contributions$0
- Initial Deposit$20,000
Projected Balance
$20,814.00
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
| Feature | Bread Savings | MutualOne Bank |
|---|---|---|
| APY | 4.05% Verified: 1/7/2026 ↘︎ 0.20%90d Change | 4.07% Verified: 1/7/2026 Stable (90d) |
| Product Name | High-Yield Savings Account | Mo Premium Savings |
| Minimum Deposit | $100 | $20,000 |
| Min. Balance for APY | $0 | $20,000 |
| Monthly Fee | $0 | $0 |
| Branch Access | None | Yes |
| Account Type | Online Only | Online & Branches |
| Direct Deposit Req. | None | None |
| Checking Bundle | No | No |
| Mobile Apps | iOS4.7 Android4.6 | iOS4.9 Android4.4 |
| Zelle® Support | Not Supported | Available Verified via website and app descriptions. |
| BBB Rating | A+ | A+ |
| Next Steps | Visit SiteVerify at Bread Savings Non-sponsored link to official site | Visit SiteVerify at MutualOne Bank Non-sponsored link to official site |
📈 Compare Savings Rates Over Time
Historical Performance
| Metric | Bread Savings | MutualOne Bank | |
|---|---|---|---|
| High-Yield Savings Account | Online Savings | Mo Premium Savings | |
Current APY | 4.05% | 0.40% | 4.07% |
Trend | Stable | Stable | Stable |
Velocity (bps/mo) | -6.1 | 0.0 | -0.0 |
Days Since Change | 19 | 114 | 114 |
4-Month High | 4.25% | 0.40% | 4.07% |
4-Month Low | 4.05% | 0.40% | 4.07% |
Adjustments / Mo | 1.03 | 0.00 | 0.00 |
Volatility Score | 0.017 | 0.000 | 0.000 |
How to read these metrics(Click to expand)
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High Rates (With Checking Bundle)
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