Bread Savings CD Rates: 2-Year 5.10%, 1-Year 5.05%, 3-Year 4.50%

Bread Savings CD rates on the bank's 1-year and 2-year CD accounts are some of the top rates available right now. Current 2-year CD rates are at 4.97% with an APY of 5.10%, 1-year CD rates are at 4.92% with an APY of 5.05% and 3-year CD rates are at 4.40% with an APY of 4.50%. Rates are lower on longer-term CD accounts.

The minimum opening deposit for all CD accounts at Bread Financial is only $1,500. The good news is the maximum opening deposit to earn these CD rates and yields is a lot higher than most other bank's maximum opening deposit. The maximum deposit limit of $1 million per account and $10 million limit per customer.

Bread Savings CD account interest earned is accrued and compounded daily, credited and posted monthly. You can view a complete list of today's CD rates at Bread Financial below. CD interest rates change constantly so be sure to always check for current rates available.

Bread Savings CD Rates

  • 12-Month CD rate 4.92% APY 5.05%
  • 24-Month CD rate 4.97% APY 5.10%
  • 36-Month CD rate 4.40% APY 4.50%
  • 48-Month CD rate 4.26% APY 4.35%
  • 60-Month CD rate 4.16% APY 4.25%

Bread Savings CD Account Fees, Features and Benefits:

  • No hidden fees
  • No monthly maintenance
  • Online statements
  • $25 per outgoing wire transfer
  • $15 per official check request
  • $5 per paper statement request
  • Auto-renew at maturity or cash out without penalty within the 10-day grace period

To learn more about Bread Savings Financial CD accounts or to open an account go to

Author: Brian McKay
April 7th, 2023

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