Bread Savings vs. Salem Five Direct
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
Salem Five Direct
eOne Savings
3.71%APYDec 10, 2025FDIC InsuredLow MinimumsGreat iOS AppGreat Android AppShow Fine Print & Trends Hide Details
Salem Five Direct
eOne 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. Salem Five Direct Savings Calculator
Bread Savings earns $251.3 more than Salem Five Direct.
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
Salem Five Direct
eOne Savings
Savings Breakdown
- Interest Earned+$2,248.10(11.1%)
- Total Contributions$13,000
- Initial Deposit$5,000
Projected Balance
$20,248.10
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
Comparison Analysis
Comparing Bread Savings vs. Salem Five Direct
Why Bread Savings?
- ✓Higher potential APY (4.10% vs 3.71%) on all balances
- ✓Higher rated Android app (4.5 vs 4.2)
Why Salem Five 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. $410 vs $371/yr).
Better Returns at $25,000
Bread SavingsBread Savings's High-Yield Savings Account pulls ahead with larger amounts (approx. $1025 vs $928/yr).
Best for Simplicity
Bread SavingsBread Savings's High-Yield Savings Account offers 4.10% APY with no bundling, direct deposit requirement or caps.
Shared Benefits
Over a 1-year period, Bread Savings's High-Yield Savings Account pays $39 more interest on a $10,000 balance than Salem Five Direct's eOne 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 Salem Five Direct's eOne Savings account, which has an APY of 3.71%. Both accounts require no maintenance fees and have no direct deposit requirements, but Bread Savings provides better returns on deposits, especially at higher amounts. Additionally, both accounts are online-only, with Bread Savings requiring a minimum deposit of $100, while Salem Five Direct has a lower minimum deposit of just $10.
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 Salem Five Direct.
| Feature | Bread Savings | Salem Five Direct |
|---|---|---|
| APY | 4.10% Verified: 12/10/2025 ↘︎ 0.15%90d Change | 3.71% Verified: 12/10/2025 ↘︎ 0.30%90d Change |
| Product Name | High-Yield Savings Account | eOne Savings |
| Minimum Deposit | $100 | $10 |
| 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 Android4.5 | iOS4.7 Android4.2 |
| BBB Rating | A+ | A- |
| Next Steps |
📈 Compare Savings Rates Over Time
Historical Performance
| Metric | Bread Savings | Salem Five Direct |
|---|---|---|
| High-Yield Savings Account | eOne Savings | |
Current APY | 4.10% | 3.71% |
Trend | Stable | Stable |
Velocity (bps/mo) | -2.6 | -2.5 |
Days Since Change | 5 | 35 |
11-Month High | 4.40% | 4.01% |
11-Month Low | 4.10% | 3.71% |
Adjustments / Mo | 0.56 | 0.19 |
Volatility Score | 0.020 | 0.029 |
How to read these metrics(Click to expand)
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