High-Yield Savings Account Comparison

Bread Savings vs. Presidential Bank

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 Freq	Daily
Direct Deposit	Not required
Deposit Insurance	FDIC Insured(Cert: 57570)
Eligibility	United States
Mobile Ratings	iOS:4.7 Android: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

Presidential Bank

Advantage Savings

Up to

4.00%

APY

Dec 10, 2025

FDIC InsuredMod. MinimumDirect Deposit ReqChecking BundleGreat iOS AppGreat Android AppIn-Person Access

Range: 3.50% – 4.00%

Show Fine Print & Trends

Min. Deposit	$5,000
Min. Balance	N/A
Maintenance Fee	$0
Compound Freq	Monthly
Direct Deposit	Required (To earn the higher APY you need a monthly direct deposit into an Advantage Checking Account of $500.)
Branch Access	10 locations in Maryland, Virginia and Washington D.C.
Deposit Insurance	FDIC Insured(Cert: 32363)
Eligibility	United States
Mobile Ratings	iOS:4.8 Android:4.1
BBB Rating	A-(Not BBB Accredited)

Rate Stability

30 days

↘︎ 0.25%

90 days

↘︎ 0.50%

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. Presidential Bank Savings Calculator

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

Initial Deposit

Recurring Deposit

Frequency

Duration

Bread Savings earns $64.7 more than Presidential Bank.

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

Presidential Bank

Advantage Savings

4.00% APY

Savings Breakdown

Interest Earned
+$2,434.70(11.9%)
Total Contributions
$13,000
Initial Deposit
$5,000

Projected Balance

$20,434.70

Effective APY

4.00%

View Details

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

Comparison Analysis

Comparing Bread Savings vs. Presidential Bank

Updated: Dec 10, 2025

Why Bread Savings?

✓No checking account or direct deposit required
✓Higher rated Android app (4.5 vs 4.1)

Why Presidential Bank?

✓Physical branch access (10 locations in Maryland, Virginia and Washington D.C.)

— Key Feature Differences —

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 $10 more interest on a $10,000 balance than Presidential Bank's Advantage Savings.

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

Presidential BankBread Savings

Automated Data Audit

Executive Summary

Bread Savings offers a High-Yield Savings Account with a competitive APY of 4.10%, making it a strong choice for those seeking simplicity, as it has no direct deposit requirement or maintenance fees. In contrast, Presidential Bank's Advantage Savings provides a slightly lower APY of 4.00%, but it requires a monthly direct deposit of $500 into an Advantage Checking Account to qualify for the higher rate, along with a minimum deposit of $5,000. While both accounts are FDIC insured, Bread Savings stands out for its ease of access and higher yield.

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 Savings ExplorePresidential Bank

Top Market Contenders

See who beats both Bread Savings and Presidential Bank.

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 Savings Pibank vs Presidential Bank

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 Savings Axos Bank vs Presidential Bank

TIMBR

Premium Savings Account

FDIC InsuredLow Minimums

4.40% APY

+0.30% vs Bread Savings

Better Rate

TIMBR vs Bread Savings TIMBR vs Presidential Bank

Feature	Bread Savings	Presidential Bank
APY	4.10% Verified: 12/10/2025 ↘︎ 0.15%90d Change	4.00% Range: 3.50% - 4.00% Verified: 12/10/2025 ↘︎ 0.50%90d Change
Product Name	High-Yield Savings Account	Advantage Savings
Minimum Deposit	$100	$5,000
Min. Balance for APY	$0	N/A
Monthly Fee	$0	$0
Branch Access	None	Yes
Account Type	Online Only	Online & Branches
Direct Deposit Req.	None	RequiredTo earn the higher APY you need a monthly direct deposit into an Advantage Checking Account of $500.
Checking Bundle	No	Yes
Mobile Apps	iOS4.7 Android4.5	iOS4.8 Android4.1
BBB Rating	A+	A-
Next Steps	- View Details	- View Details

📈 Compare Savings Rates Over Time

Historical Performance

Last 12 Months Analysis

Metric	Bread Savings	Presidential Bank
	High-Yield Savings Account	Advantage Savings
Current APYMost recent advertised annual-percentage yield.	4.10%	4.00%
TrendDirection over the last 12 months (regression slope).	Stable	Stable
Velocity (bps/mo)Average monthly change; 10 bps = 0.10 pp.	-2.7	-2.3
Days Since ChangeRecency of the latest APY adjustment.	5	19
12-Month HighHighest APY in the last 358 days.	4.60%	4.50%
12-Month LowLowest APY in the last 358 days.	4.10%	4.00%
Adjustments / MoTypical number of APY moves per month.	0.67	0.17
Volatility ScoreCoefficient of variation (stdev ÷ mean). Lower is more stable.	0.022	0.032

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 358-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 Alternatives

Compare Bread Savings vs...

Comparing against Standard Savings

Newtek BankNo Bundle Req

4.35%

APY

Compare Presidential Bank vs...

Comparing against other Bundled Accounts

vs Presidential Bank

Axos BankChecking Bundle

4.31%

APY

vs Presidential Bank

SoFi BankChecking Bundle

4.30%

APY

vs Presidential Bank

UFB DirectChecking Bundle

3.71%

APY

More Comparisons

Compare Bread Savings' APY of 4.10% with other banks

Bank Pair	Competitor APY	Min Deposit
Bread Savings vs Affirm	3.60%	$0
Bread Savings vs Ally Bank	3.30%	$0
Bread Savings vs American Express	3.40%	$0
Bread Savings vs Axos Bank	4.31%	$0
Bread Savings vs Bank of America	0.01%	$100
Bread Savings vs Barclays	4.00%	$0
Bread Savings vs Bask Bank	3.90%	$0
Bread Savings vs Betterment	3.50%	$10
Bread Savings vs BMO Alto	3.25%	$0
Bread Savings vs BrioDirect	4.00%	$5,000
Bread Savings vs Capital One	3.40%	$0
Bread Savings vs Charles Schwab Bank	0.15%	$0
Bread Savings vs Chase Bank	0.01%	$0
Bread Savings vs Chime	3.50%	$0
Bread Savings vs CIT Bank	3.75%	$100
Bread Savings vs Citibank	3.30%	$0
Bread Savings vs Citizens Access™	3.15%	$0.01
Bread Savings vs Climate First Bank	4.21%	$50
Bread Savings vs Discover Bank	3.40%	$0
Bread Savings vs E*TRADE from Morgan Stanley	3.75%	$0
Bread Savings vs Elevault	4.08%	$0
Bread Savings vs EverBank	4.05%	$0
Bread Savings vs Fitness Bank	4.75%	$100
Bread Savings vs FNBO Direct	3.00%	$1
Bread Savings vs Forbright Bank	4.00%	$0
Bread Savings vs FVCbank	3.85%	$500
Bread Savings vs GO2bank	4.50%	$0
Bread Savings vs Ivy Bank	4.25%	$2,500
Bread Savings vs LendingClub	4.20%	$0
Bread Savings vs Marcus by Goldman Sachs	3.65%	$0
Bread Savings vs Neighbors Bank	4.30%	$0
Bread Savings vs Newtek Bank	4.35%	$0.01
Bread Savings vs Openbank	4.20%	$500
Bread Savings vs Peak Bank	4.20%	$100
Bread Savings vs Pibank	4.60%	$0
Bread Savings vs PNC	3.53%	$0
Bread Savings vs Quontic Bank	3.75%	$100
Bread Savings vs Salem Five Direct	3.71%	$10
Bread Savings vs Sallie Mae Bank	3.90%	$0
Bread Savings vs Santander Bank	0.01%	$25
Bread Savings vs SoFi Bank	4.30%	$0
Bread Savings vs Synchrony Bank	3.65%	$0
Bread Savings vs TD Bank	2.75%	$0
Bread Savings vs TIMBR	4.40%	$1,000
Bread Savings vs UFB Direct	3.71%	$5000
Bread Savings vs Upgrade	3.05%	$0
Bread Savings vs Valley Direct	4.10%	$1,000
Bread Savings vs Varo Bank	5.00%	$0
Bread Savings vs Vio Bank	4.16%	$100
Bread Savings vs Wealthfront	4.15%	$0
Bread Savings vs Wells Fargo	0.05%	$25
Bread Savings vs Zynlo Bank	4.05%	$10

Compare Presidential Bank's APY of 4.00% with other banks

Bank Pair	Competitor APY	Min Deposit
Presidential Bank vs Affirm	3.60%	$0
Presidential Bank vs Ally Bank	3.30%	$0
Presidential Bank vs American Express	3.40%	$0
Presidential Bank vs Axos Bank	4.31%	$0
Presidential Bank vs Bank of America	0.01%	$100
Presidential Bank vs Barclays	4.00%	$0
Presidential Bank vs Bask Bank	3.90%	$0
Presidential Bank vs Betterment	3.50%	$10
Presidential Bank vs BMO Alto	3.25%	$0
Presidential Bank vs BrioDirect	4.00%	$5,000
Presidential Bank vs Capital One	3.40%	$0
Presidential Bank vs Charles Schwab Bank	0.15%	$0
Presidential Bank vs Chase Bank	0.01%	$0
Presidential Bank vs Chime	3.50%	$0
Presidential Bank vs CIT Bank	3.75%	$100
Presidential Bank vs Citibank	3.30%	$0
Presidential Bank vs Citizens Access™	3.15%	$0.01
Presidential Bank vs Climate First Bank	4.21%	$50
Presidential Bank vs Discover Bank	3.40%	$0
Presidential Bank vs E*TRADE from Morgan Stanley	3.75%	$0
Presidential Bank vs Elevault	4.08%	$0
Presidential Bank vs EverBank	4.05%	$0
Presidential Bank vs Fitness Bank	4.75%	$100
Presidential Bank vs FNBO Direct	3.00%	$1
Presidential Bank vs Forbright Bank	4.00%	$0
Presidential Bank vs FVCbank	3.85%	$500
Presidential Bank vs GO2bank	4.50%	$0
Presidential Bank vs Ivy Bank	4.25%	$2,500
Presidential Bank vs LendingClub	4.20%	$0
Presidential Bank vs Marcus by Goldman Sachs	3.65%	$0
Presidential Bank vs Neighbors Bank	4.30%	$0
Presidential Bank vs Newtek Bank	4.35%	$0.01
Presidential Bank vs Openbank	4.20%	$500
Presidential Bank vs Peak Bank	4.20%	$100
Presidential Bank vs Pibank	4.60%	$0
Presidential Bank vs PNC	3.53%	$0
Presidential Bank vs Quontic Bank	3.75%	$100
Presidential Bank vs Salem Five Direct	3.71%	$10
Presidential Bank vs Sallie Mae Bank	3.90%	$0
Presidential Bank vs Santander Bank	0.01%	$25
Presidential Bank vs SoFi Bank	4.30%	$0
Presidential Bank vs Synchrony Bank	3.65%	$0
Presidential Bank vs TD Bank	2.75%	$0
Presidential Bank vs TIMBR	4.40%	$1,000
Presidential Bank vs UFB Direct	3.71%	$5000
Presidential Bank vs Upgrade	3.05%	$0
Presidential Bank vs Valley Direct	4.10%	$1,000
Presidential Bank vs Varo Bank	5.00%	$0
Presidential Bank vs Vio Bank	4.16%	$100
Presidential Bank vs Wealthfront	4.15%	$0
Presidential Bank vs Wells Fargo	0.05%	$25
Presidential Bank vs Zynlo Bank	4.05%	$10