{"account":{"slug":"bread-savings","bank":"Bread Savings (Bread Financial)","name":"High-Yield Savings"},"status":"recent","lastVerified":"2026-11-02","officialSource":"https://www.breadfinancial.com/en/bread-savings/high-yield-savings-account.html","history":[{"date":"2026-11-02","apy":"4.05% (as of November 2026, up from 4.00%)","monthlyFee":"$0","minimumOpen":"$100 (in a single transaction)","note":"Freshness-rotation CHANGE: Bankrate's rate history and YieldFinder independently agree Bread's high-yield savings rose from 4.00% to 4.05% around October 13-16, 2026.","sourceUrl":"https://www.bankrate.com/banks/comenity-capital-bank/3224580/","sourceLabel":"Bankrate Bread Savings rate history and YieldFinder Bread Financial listing, both checked November 2, 2026"}],"verificationEvents":[],"methodology":"https://creditcompound.com/how-we-rate#verification"}