High-Yield Savings Account Comparison

Bread Savings vs. UFB Direct

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 FreqDaily
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 57570)
EligibilityUnited States
Mobile Ratings
iOS:4.7Android: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

UFB Direct

UFB Checking and Savings Bundle

Up to
3.71%
APY
Dec 10, 2025
FDIC InsuredHigh MinimumDirect Deposit ReqChecking BundleGreat iOS AppGreat Android App
Range: 3.51% – 3.71%
Show Fine Print & Trends
Min. Deposit$5000
Min. Balance$10,000
Maintenance Fee$0
Compound FreqDaily
Direct DepositRequired (See terms)
Deposit InsuranceFDIC Insured(Cert: 35546)
EligibilityUnited States
Mobile Ratings
iOS:4.8Android:4.3
BBB Rating
A+(BBB Accredited)

Important Note

The regular savings or money market APY may be boosted up to 3.71% by direct deposits, minimum balance of $10,000 and making 10 approved debit card transactions per statement cycle. The checking account earns 2% APY. See bank for full details.

Rate Stability

Rate Adjusted
-0.50%
Since 90 days ago
Sponsored LinkOpen Account

at UFB Direct, Member FDIC

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. UFB Direct Savings Calculator

Calculations based on current APY for High-Yield Savings Account and UFB Checking and Savings Bundle
$
$

Bread Savings earns $280.7 more than UFB Direct.

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

UFB Direct

UFB Checking and Savings Bundle

3.71% APY

Higher APY requires $10,000

Savings Breakdown

  • Interest Earned
    +$2,218.70(11.0%)
  • Total Contributions
    $13,000
  • Initial Deposit
    $5,000

Projected Balance

$20,218.70

Effective APY
3.66%

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

Comparison Analysis

Comparing Bread Savings vs. UFB Direct

Updated: Dec 10, 2025

Why Bread Savings?

  • ✓Higher potential APY (4.10% vs 3.51%-3.71%) on all balances

Why UFB Direct?

  • ✓Offers 2.00% APY on Checking Account in addition to the savings APY
  • ✓Access to over 90,000 fee-free ATMs
  • ✓Offers 2 different high-yield savings options

— Key Feature Differences —

Better Returns at $10,000
Bread Savings

Bread Savings's High-Yield Savings Account earns more on smaller deposits (approx. $410 vs $371/yr).

Better Returns at $25,000
Bread Savings

Bread Savings's High-Yield Savings Account pulls ahead with larger amounts (approx. $1025 vs $928/yr).

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 $39 more interest on a $10,000 balance than UFB Direct's UFB Checking and Savings Bundle.

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

UFB DirectBread Savings
Automated Data Audit

Executive Summary

Bread Savings offers a High-Yield Savings Account with a competitive APY of 4.10%, making it the top choice for savers seeking higher returns without any direct deposit requirements or maintenance fees. This account is ideal for both small and large deposits, providing better returns compared to UFB Direct's UFB Portfolio Savings, which offers a lower APY of 3.51%. UFB Direct does provide a checking and savings bundle that can yield up to 3.71% with certain conditions, but it requires a checking account and direct deposits. Both banks operate online only, ensuring ease of access for customers.

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 SavingsExploreUFB Direct

Top Market Contenders

See who beats both Bread Savings and UFB Direct.

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 SavingsPibank vs UFB Direct
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 SavingsAxos Bank vs UFB Direct
TIMBR
Premium Savings Account
FDIC InsuredLow Minimums
4.40% APY
+0.30% vs Bread Savings
Better Rate
TIMBR vs Bread SavingsTIMBR vs UFB Direct
FeatureBread SavingsUFB Direct
APY
4.10%
Verified: 12/10/2025
↘︎ 0.15%90d Change
3.71%
Range: 3.51% - 3.71%
Verified: 12/10/2025
↘︎ 0.50%90d Change
Product NameHigh-Yield Savings AccountUFB Checking and Savings Bundle
Minimum Deposit$100$5000
Min. Balance for APY$0$10,000
Monthly Fee$0$0
Branch AccessNoneNone
Account Type
Online Only
Online Only
Direct Deposit Req.None
Required
Checking BundleNo Yes
Mobile Apps
iOS4.7
Android4.5
iOS4.8
Android4.3
BBB RatingA+A+
Important Notes-The regular savings or money market APY may be boosted up to 3.71% by direct deposits, minimum balance of $10,000 and making 10 approved debit card transactions per statement cycle. The checking account earns 2% APY. See bank for full details.
Next Steps
- View Details
SponsoredOpen Account

📈 Compare Savings Rates Over Time

Historical Performance

Last 11 Months Analysis
MetricBread SavingsUFB Direct
High-Yield Savings AccountUFB Checking and Savings BundleUFB Portfolio Savings
Current APY
4.10%3.71%3.51%
Trend
 Stable Stable Stable
Velocity (bps/mo)
-2.6-5.2-4.6
Days Since Change
54141
11-Month High
4.40%4.21%4.01%
11-Month Low
4.10%3.71%3.51%
Adjustments / Mo
0.560.280.28
Volatility Score
0.0200.0480.049
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 323-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

vs Bread Savings
PibankNo Bundle Req
4.60%
APY
vs Bread Savings
TIMBRNo Bundle Req
4.40%
APY
vs Bread Savings
Newtek BankNo Bundle Req
4.35%
APY

Compare UFB Direct vs...

Comparing against other Bundled Accounts

vs UFB Direct
Axos BankChecking Bundle
4.31%
APY
vs UFB Direct
SoFi BankChecking Bundle
4.30%
APY
vs UFB Direct
Presidential BankChecking Bundle
4.00%
APY

More Comparisons

Compare Bread Savings' APY of 4.10% with other banks
Bank PairCompetitor APYMin Deposit
Bread Savings vs Affirm3.60%$0
Bread Savings vs Ally Bank3.30%$0
Bread Savings vs American Express3.40%$0
Bread Savings vs Axos Bank4.31%$0
Bread Savings vs Bank of America0.01%$100
Bread Savings vs Barclays4.00%$0
Bread Savings vs Bask Bank3.90%$0
Bread Savings vs Betterment3.50%$10
Bread Savings vs BMO Alto3.25%$0
Bread Savings vs BrioDirect4.00%$5,000
Bread Savings vs Capital One3.40%$0
Bread Savings vs Charles Schwab Bank0.15%$0
Bread Savings vs Chase Bank0.01%$0
Bread Savings vs Chime3.50%$0
Bread Savings vs CIT Bank3.75%$100
Bread Savings vs Citibank3.30%$0
Bread Savings vs Citizens Access™3.15%$0.01
Bread Savings vs Climate First Bank4.21%$50
Bread Savings vs Discover Bank3.40%$0
Bread Savings vs E*TRADE from Morgan Stanley3.75%$0
Bread Savings vs Elevault4.08%$0
Bread Savings vs EverBank4.05%$0
Bread Savings vs Fitness Bank4.75%$100
Bread Savings vs FNBO Direct3.00%$1
Bread Savings vs Forbright Bank4.00%$0
Bread Savings vs FVCbank3.85%$500
Bread Savings vs GO2bank4.50%$0
Bread Savings vs Ivy Bank4.25%$2,500
Bread Savings vs LendingClub4.20%$0
Bread Savings vs Marcus by Goldman Sachs3.65%$0
Bread Savings vs Neighbors Bank4.30%$0
Bread Savings vs Newtek Bank4.35%$0.01
Bread Savings vs Openbank4.20%$500
Bread Savings vs Peak Bank4.20%$100
Bread Savings vs Pibank4.60%$0
Bread Savings vs PNC3.53%$0
Bread Savings vs Presidential Bank4.00%$5,000
Bread Savings vs Quontic Bank3.75%$100
Bread Savings vs Salem Five Direct3.71%$10
Bread Savings vs Sallie Mae Bank3.90%$0
Bread Savings vs Santander Bank0.01%$25
Bread Savings vs SoFi Bank4.30%$0
Bread Savings vs Synchrony Bank3.65%$0
Bread Savings vs TD Bank2.75%$0
Bread Savings vs TIMBR4.40%$1,000
Bread Savings vs Upgrade3.05%$0
Bread Savings vs Valley Direct4.10%$1,000
Bread Savings vs Varo Bank5.00%$0
Bread Savings vs Vio Bank4.16%$100
Bread Savings vs Wealthfront4.15%$0
Bread Savings vs Wells Fargo0.05%$25
Bread Savings vs Zynlo Bank4.05%$10
Compare UFB Direct's APY of 3.71% with other banks
Bank PairCompetitor APYMin Deposit
UFB Direct vs Affirm3.60%$0
UFB Direct vs Ally Bank3.30%$0
UFB Direct vs American Express3.40%$0
UFB Direct vs Axos Bank4.31%$0
UFB Direct vs Bank of America0.01%$100
UFB Direct vs Barclays4.00%$0
UFB Direct vs Bask Bank3.90%$0
UFB Direct vs Betterment3.50%$10
UFB Direct vs BMO Alto3.25%$0
UFB Direct vs BrioDirect4.00%$5,000
UFB Direct vs Capital One3.40%$0
UFB Direct vs Charles Schwab Bank0.15%$0
UFB Direct vs Chase Bank0.01%$0
UFB Direct vs Chime3.50%$0
UFB Direct vs CIT Bank3.75%$100
UFB Direct vs Citibank3.30%$0
UFB Direct vs Citizens Access™3.15%$0.01
UFB Direct vs Climate First Bank4.21%$50
UFB Direct vs Discover Bank3.40%$0
UFB Direct vs E*TRADE from Morgan Stanley3.75%$0
UFB Direct vs Elevault4.08%$0
UFB Direct vs EverBank4.05%$0
UFB Direct vs Fitness Bank4.75%$100
UFB Direct vs FNBO Direct3.00%$1
UFB Direct vs Forbright Bank4.00%$0
UFB Direct vs FVCbank3.85%$500
UFB Direct vs GO2bank4.50%$0
UFB Direct vs Ivy Bank4.25%$2,500
UFB Direct vs LendingClub4.20%$0
UFB Direct vs Marcus by Goldman Sachs3.65%$0
UFB Direct vs Neighbors Bank4.30%$0
UFB Direct vs Newtek Bank4.35%$0.01
UFB Direct vs Openbank4.20%$500
UFB Direct vs Peak Bank4.20%$100
UFB Direct vs Pibank4.60%$0
UFB Direct vs PNC3.53%$0
UFB Direct vs Presidential Bank4.00%$5,000
UFB Direct vs Quontic Bank3.75%$100
UFB Direct vs Salem Five Direct3.71%$10
UFB Direct vs Sallie Mae Bank3.90%$0
UFB Direct vs Santander Bank0.01%$25
UFB Direct vs SoFi Bank4.30%$0
UFB Direct vs Synchrony Bank3.65%$0
UFB Direct vs TD Bank2.75%$0
UFB Direct vs TIMBR4.40%$1,000
UFB Direct vs Upgrade3.05%$0
UFB Direct vs Valley Direct4.10%$1,000
UFB Direct vs Varo Bank5.00%$0
UFB Direct vs Vio Bank4.16%$100
UFB Direct vs Wealthfront4.15%$0
UFB Direct vs Wells Fargo0.05%$25
UFB Direct vs Zynlo Bank4.05%$10