Bread Savings vs. Peak 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
Peak Bank
Envision High Yield Savings
4.20%APYDec 10, 2025FDIC InsuredLow MinimumsGreat iOS AppGreat Android AppShow Fine Print & Trends Hide Details
Peak Bank
Envision High Yield Savings
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. Peak Bank Savings Calculator
Peak Bank earns $64.9 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
Peak Bank
Envision High Yield Savings
Savings Breakdown
- Interest Earned+$2,564.30(12.5%)
- Total Contributions$13,000
- Initial Deposit$5,000
Projected Balance
$20,564.30
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
Comparison Analysis
Comparing Bread Savings vs. Peak Bank
Why Bread Savings?
No distinct advantages found vs Peak Bank.
Why Peak Bank?
- ✓Higher potential APY (4.20% vs 4.10%) on all balances
— Key Feature Differences —
Better Returns at $10,000
Peak BankPeak Bank's Envision High Yield Savings earns more on smaller deposits (approx. $420 vs $410/yr).
Better Returns at $25,000
Peak BankPeak Bank's Envision High Yield Savings pulls ahead with larger amounts (approx. $1050 vs $1025/yr).
Shared Benefits
Over a 1-year period, Peak Bank's Envision High Yield Savings pays $10 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
Peak Bank offers a higher APY of 4.20% on its Envision High Yield Savings account, compared to Bread Savings' 4.10% on its High-Yield Savings Account. Both accounts require a minimum deposit of $100 and have no maintenance fees, but only online access is available. While Bread Savings provides a solid option, Peak Bank stands out with better returns on larger deposits, making it a more attractive choice for savers. Both accounts do not require direct deposit, allowing for flexibility in funding.
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 Peak Bank.
| Feature | Bread Savings | Peak Bank |
|---|---|---|
| APY | 4.10% Verified: 12/10/2025 ↘︎ 0.15%90d Change | 4.20% Verified: 12/10/2025 ↘︎ 0.15%90d Change |
| Product Name | High-Yield Savings Account | Envision High Yield Savings |
| Minimum Deposit | $100 | $100 |
| Min. Balance for APY | $0 | N/A |
| 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 | iOS4.8 Android4.6 |
| BBB Rating | A+ | A+ |
| Next Steps |
📈 Compare Savings Rates Over Time
Historical Performance
| Metric | Bread Savings | Peak Bank |
|---|---|---|
| High-Yield Savings Account | Envision High Yield Savings | |
Current APY | 4.10% | 4.20% |
Trend | Stable | Stable |
Velocity (bps/mo) | -2.7 | -3.8 |
Days Since Change | 5 | 70 |
10-Month High | 4.40% | 4.54% |
10-Month Low | 4.10% | 4.20% |
Adjustments / Mo | 0.60 | 0.40 |
Volatility Score | 0.019 | 0.029 |
How to read these metrics(Click to expand)
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