Bread Savings vs. Valley 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
Valley Direct
High-Yield Savings Account
Up to4.10%APYDec 10, 2025FDIC InsuredLow MinimumsGreat iOS AppGreat Android AppRange: 3.50% – 4.10%Show Fine Print & Trends Hide Details
Valley Direct
High-Yield Savings Account
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. Valley Direct Savings Calculator
Bread Savings earns $342.4 more than Valley 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
Valley Direct
High-Yield Savings Account
Promo Rate: 4.10% for 12 months, then 3.50%.
Savings Breakdown
- Interest Earned+$2,157.00(10.7%)
- Total Contributions$13,000
- Initial Deposit$5,000
Projected Balance
$20,157.00
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
Comparison Analysis
Comparing Bread Savings vs. Valley Direct
Why Bread Savings?
- ✓Available to New & Existing Customers
Why Valley Direct?
No distinct advantages found vs Bread Savings.
Shared Benefits
Over a 1-year period, Bread Savings's High-Yield Savings Account pays $0 more interest on a $10,000 balance than Valley Direct's High-Yield Savings Account.
*This comparison accounts for Valley Direct's introductory promotional rate, yet Bread Savings's standard rate still yields a higher 1-year return.
Executive Summary
Bread Savings offers a High-Yield Savings Account with an APY of 4.10%, which is comparable to Valley Direct's High-Yield Savings Account, also at 4.10%. However, Valley Direct's rate is promotional and only available to new customers, while existing customers receive a lower APY of 3.50%. Both accounts are online-only, require no maintenance fees, and have daily compounding. Bread Savings has a lower minimum deposit requirement of $100 compared to Valley Direct's $1,000. Overall, Bread Savings provides a more accessible option 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 Valley Direct.
| Feature | Bread Savings | Valley Direct |
|---|---|---|
| APY | 4.10% Verified: 12/10/2025 ↘︎ 0.15%90d Change | 4.10% Range: 3.50% - 4.10% Verified: 12/10/2025 ↘︎ 0.20%90d Change |
| Product Name | High-Yield Savings Account | High-Yield Savings Account |
| Minimum Deposit | $100 | $1,000 |
| 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 | iOS4.8 Android4.5 |
| BBB Rating | A+ | A+ |
| Important Notes | - | Promo rate for new customers. 3.50% APY applies to existing customers. |
| Next Steps |
📈 Compare Savings Rates Over Time
Historical Performance
| Metric | Bread Savings | Valley Direct |
|---|---|---|
| High-Yield Savings Account | High-Yield Savings Account | |
Current APY | 4.10% | 4.10% |
Trend | Stable | Stable |
Velocity (bps/mo) | -2.7 | 1.8 |
Days Since Change | 5 | 75 |
12-Month High | 4.60% | 4.55% |
12-Month Low | 4.10% | 3.75% |
Adjustments / Mo | 0.67 | 0.67 |
Volatility Score | 0.022 | 0.049 |
How to read these metrics(Click to expand)
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