Bread Savings vs. Quontic 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
Quontic Bank
High Yield Savings
3.75%APYDec 10, 2025FDIC InsuredLow MinimumsGreat iOS AppGreat Android AppShow Fine Print & Trends Hide Details
Quontic Bank
High Yield Savings
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.
Bread Savings vs. Quontic Bank Savings Calculator
Bread Savings earns $225.6 more than Quontic Bank.
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
Quontic Bank
High Yield Savings
Savings Breakdown
- Interest Earned+$2,273.80(11.2%)
- Total Contributions$13,000
- Initial Deposit$5,000
Projected Balance
$20,273.80
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
Comparison Analysis
Comparing Bread Savings vs. Quontic Bank
Why Bread Savings?
- ✓Higher potential APY (4.10% vs 3.75%) on all balances
Why Quontic Bank?
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. $410 vs $375/yr).
Better Returns at $25,000
Bread SavingsBread Savings's High-Yield Savings Account pulls ahead with larger amounts (approx. $1025 vs $938/yr).
Best for Simplicity
Bread SavingsBread Savings's High-Yield Savings Account offers 4.10% APY with no bundling, direct deposit requirement or caps.
Best Mobile App Experience
Quontic BankQuontic Bank offers an iOS app rated 4.8 (vs. 4.7) and Android app rated 4.8 (vs. 4.5)
Shared Benefits
Over a 1-year period, Bread Savings's High-Yield Savings Account pays $35 more interest on a $10,000 balance than Quontic Bank's High Yield Savings.
*This calculation assumes current rates remain consistent for 1 year and does not include temporary bonuses.
Executive Summary
Bread Savings offers a High-Yield Savings Account with a competitive APY of 4.10%, making it the superior choice compared to Quontic Bank's High Yield Savings account, which has an APY of 3.75%. Both accounts require a minimum deposit of $100, have no maintenance fees, and are online-only. Bread Savings stands out for its simplicity, as it has no direct deposit requirement or account caps, while Quontic Bank is noted for its excellent mobile app experience. Overall, Bread Savings provides better returns for savers.
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 Quontic Bank.
| Feature | Bread Savings | Quontic Bank |
|---|---|---|
| APY | 4.10% Verified: 12/10/2025 ↘︎ 0.15%90d Change | 3.75% Verified: 12/10/2025 Stable (90d) |
| Product Name | High-Yield Savings Account | High Yield Savings |
| Minimum Deposit | $100 | $100 |
| Min. Balance for APY | $0 | $0 |
| 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 Android4.8 |
| BBB Rating | A+ | A+ |
| Next Steps |
📈 Compare Savings Rates Over Time
Historical Performance
| Metric | Bread Savings | Quontic Bank |
|---|---|---|
| High-Yield Savings Account | High Yield Savings | |
Current APY | 4.10% | 3.75% |
Trend | Stable | Stable |
Velocity (bps/mo) | -2.6 | -1.4 |
Days Since Change | 5 | 166 |
11-Month High | 4.40% | 3.85% |
11-Month Low | 4.10% | 3.75% |
Adjustments / Mo | 0.56 | 0.09 |
Volatility Score | 0.020 | 0.013 |
How to read these metrics(Click to expand)
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