Bread Savings vs. Popular Direct
Compare rates, requirements, and features side-by-side to find the best option for you.
| Metric | Bread SavingsHigh-Yield Savings Account Jan 7, 2026 | Popular DirectPopular Direct Select Savings Jan 7, 2026 |
|---|---|---|
| APY | 4.05% | 3.90% |
Est. Earnings | $5,000+$203 $10,000+$405 $25,000+$1,013 | $5,000+$195 $10,000+$390 $25,000+$975 |
Min Deposit | $100 | $100 |
Snapshot view. Rates subject to change. | ||
| Features | FDIC InsuredLow MinimumsGreat iOS AppGreat Android App | FDIC InsuredLow Minimums |
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. Popular Direct
As of Bread Savings offers an APY of 4.05% for its High-Yield Savings Account, with a minimum balance of $0, compared to Popular Direct's 3.90% APY for its Popular Direct Select Savings account, with a minimum balance of $0.01.
Bread Savings pays $15 more than Popular Direct on a $10,000 balance after one year. Bread Savings pays $405, while Popular Direct pays $390 - an APY advantage for Bread Savings.
Why Bread Savings?
- ✓Higher potential APY (4.05% vs 3.90%) on all balances
- ✓Higher rated iOS app (4.7 vs 1.3)
- ✓Higher rated Android app (4.6 vs 1.3)
Why Popular Direct?
No distinct advantages found vs Bread Savings.
— Key Feature Differences —
Better Returns at $10,000
Bread SavingsBread Savings's High-Yield Savings Account earns more on smaller deposits (approx. $405 vs $390/yr).
Better Returns at $25,000
Bread SavingsBread Savings's High-Yield Savings Account pulls ahead with larger amounts (approx. $1013 vs $975/yr).
Best Mobile App Experience
Bread SavingsBread Savings offers an iOS app rated 4.7 (vs. 1.3) and Android app rated 4.6 (vs. 1.3)
Shared Benefits
Over a 1-year period, Bread Savings's High-Yield Savings Account pays $15 more interest on a $10,000 balance than Popular Direct's Popular Direct Select Savings.
*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 the winner compared to Popular Direct's Select Savings account, which has an APY of 3.90%. Both accounts require a minimum deposit of $100 and have no maintenance fees, with Bread Savings providing better returns on larger deposits. Additionally, Bread Savings is noted for its superior mobile app experience, enhancing customer accessibility. Both banks operate online only, and neither requires direct deposit.
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. Popular Direct Savings Calculator
You earn $15 more with Bread Savings than Popular Direct on a $10,000 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+$405.00(3.9%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,405.00
Popular Direct
Popular Direct Select Savings
Savings Breakdown
- Interest Earned+$390.00(3.8%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,390.00
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
| Feature | Bread Savings | Popular Direct |
|---|---|---|
| APY | 4.05% Verified: 1/7/2026 ↘︎ 0.20%90d Change | 3.90% Verified: 1/7/2026 ↘︎ 0.15%90d Change |
| Product Name | High-Yield Savings Account | Popular Direct Select Savings |
| Minimum Deposit | $100 | $100 |
| Min. Balance for APY | $0 | $0.01 |
| 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 Android4.6 | iOS1.3 Android1.3 |
| Zelle® Support | Not Supported | Not Supported |
| BBB Rating | A+ | A+ |
| Next Steps | Visit SiteVerify at Bread Savings Non-sponsored link to official site | Visit SiteVerify at Popular Direct Non-sponsored link to official site |
📈 Compare Savings Rates Over Time
Historical Performance
| Metric | Bread Savings | Popular Direct |
|---|---|---|
| High-Yield Savings Account | Popular Direct Select Savings | |
Current APY | 4.05% | 3.90% |
Trend | Stable | Stable |
Velocity (bps/mo) | -2.9 | -3.1 |
Days Since Change | 19 | 23 |
12-Month High | 4.50% | 4.60% |
12-Month Low | 4.05% | 3.90% |
Adjustments / Mo | 0.66 | 0.82 |
Volatility Score | 0.025 | 0.036 |
How to read these metrics(Click to expand)
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High Rates (With Checking Bundle)
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