Find the latest Bread Financial CD Rates, Offers, and Promotions here.
Best CD Rates: 5.25% APY 12-Month, 4.65% APY 24-Month, $1.5k min/$1m max deposit per account.
Availability: Nationwide, online bank
Credit Inquiry: Unknown
Update 3/19/24: The 12 month term rate has decreased to 5.25% APY (down from 5.35%).
About Bread Financial CD Rates
Bread Financial, formerly Comenity Direct, has been helping people get more for their money since they introduced their first credit card in 1986. Bread Financial mission has been to understand what’s most important to customers and develop innovative solutions that meet their needs.
They have a wide array of products to meet your individual needs such as their high-yield savings products and CDs that provide highly competitive rates. You can fund your account by check, ACH or wire transfer, or transfer from another Bread Financial account.
Term | APY Rate | Minimum opening deposit |
12-Month | 5.25% | $1,500 |
24-Month | 4.65% | $1,500 |
36-Month | 4.25% | $1,500 |
48-Month | 4.15% | $1,500 |
60-Month | 4.15% | $1,500 |
*The above rates are accurate as of 3/19/2024*
Bread Financial CD Rates
CDs are a certificate issued by a bank to a person depositing money for a specified length of time. Usually the longer the term, the higher APY rate you make.
With $1,500, you can invest in a Bread Financial CD account to make sure you gain the most for your money. If you’re interested in making a higher rate than a traditional savings account, with Bread Financial you can earn a higher savings rates. Also make sure to check out our CD rates below.
- Minimum Opening Deposit: $1,500
- Maximum Deposit: $10,000,000
- Early withdrawal penalty: For terms shorter than 1 year, the penalty is 90 days simple interest. For terms 12 months to 3 years, the penalty is 180 days simple interest. For terms 4 years and up, the penalty is 365 days simple interest.
(FDIC Insured)
Rising Bank 6-Month CD (5.35% APY) | Rising Bank 12-Month CD (5.31% APY) |
Alliant Credit Union 12-Month Certificate (5.20% APY) | Technology Credit Union 5-Month No-Penalty CD (5.15% APY) |
Western Alliance Bank 3-Month CD (5.26% APY) | Western Alliance Bank 12-Month CD (5.05% APY) |
Ponce Bank 3-Month CD (5.20% APY) | Blue Federal Credit Union 9-Month No Penalty CD (5.10% APY) |
SkyOne Federal Credit Union 5-Month CD (5.00% APY) | Sun Canyon Bank 11-Month CD (4.94% APY) |
Sun Canyon Bank 5-Month CD (5.04% APY) | Lemmata Savings Bank 9-Month CD (5.05% APY) |
Nelnet Bank 12-Month CD (4.86% APY) | Nelnet Bank 24-Month CD (4.55% APY) |
Quontic Bank 6-Month CD (5.05% APY) | Nelnet Bank 36-Month CD (4.45% APY) |
Bread Financial CD Features
- No hidden fees so you save more
- Free monthly maintenance
- Free online statements
- Member FDIC
Bottom Line
Bread Financial is offering you various CD terms from 12 to 60 months. You will have a 10-day grace period before a CD will be automatically renewed.
This account is fantastic for a Certificate of Deposits. While the rates are worth a look, still be sure to always compare them with the nation’s best using our guides: CD Rates | Savings Rates.
Compare them with our best CD Rates:
- 6-Month CD Rates
- 9-Month CD Rates
- 12-Month CD Rates
- 18-Month CD Rates
- 24-Month CD Rates
- 36-Month CD Rates
- 48-Month CD Rates
- 60-Month CD Rates
- No Penalty CD Rates
Start earning big with Bread Financial’s CD accounts! Check back for updates on the latest Bread Financial CD rates!
Disclaimer: Rates / APY terms above are current as of the date indicated. These quotes are from banks, credit unions and thrifts. Bank, thrift and credit union deposits are insured by the FDIC or NCUA. Contact the bank for the terms and conditions that may apply to you. Rates are subject to change without notice and may not be the same at all branches.
Rising Bank | 5.35% APY 6-Month CD | Review |
Rising Bank | 5.31% APY 12-Month CD | Review |
Western Alliance Bank | 5.30% APY 5-Month CD | Review |
Western Alliance Bank | 5.26% APY 3-Month CD | Review |
Western Alliance Bank | 5.23% APY 6-Month CD | Review |
Ponce Bank | 5.20% APY 3-Month High Yield CD | Review |
Ponce Bank | 5.20% APY 1-Month High Yield CD | Review |
Alliant Credit Union | 5.20% APY 12-Month Certificate | Review |
Technology Credit Union | 5.15% APY 5-Month No-Penalty CD | Review |
Mission Valley Bank | 5.15% APY 1-Month CD | Review |
Western Alliance Bank | 5.15% APY 9-Month CD | Review |
Mission Valley Bank | 5.15% APY 3-Month No Penalty CD | Review |
Blue Federal Credit Union | 5.10% APY 9-Month No Penalty CD | Review |
Western Alliance Bank | 5.05% APY 12-Month CD | Review |
Lemmata Savings Bank | 5.05% APY 9-Month CD | Review |
Quontic Bank | 5.05% APY 6-Month CD | Review |
Sallie Mae | 5.05% APY 14-Month CD | Review |
Sun Canyon Bank | 5.04% APY 5-Month CD | Review |
SkyOne Federal Credit Union | 5.00% APY 5-Month CD | Review |
Sallie Mae | 5.00% APY 10-Month CD | Review |
First Tech Federal Credit Union | 5.00% APY 13-Month Share Certificate | Review |
First Citizens Bank | 5.00% APY 11-Month CD | Review |
Sun Canyon Bank | 4.94% APY 11-Month CD | Review |
First Financial Northwest Bank | 4.90% APY 12-Month CD | Review |
Nelnet Bank | 4.86% APY 12-Month CD | Review |
GreenState Credit Union | 4.70% APY 10-Month CD | Review |
Blue Federal Credit Union | 4.70% APY 15-Month CD | Review |
Discover Bank | 4.70% APY 12-Month CD | Review |
Nelnet Bank | 4.55% APY 24-Month CD | Review |
First Mid Bank & Trust | 4.50% APY 9-Month CD | Review |
SkyOne Federal Credit Union | 4.50% APY 15-Month CD | Review |
Nelnet Bank | 4.45% APY 36-Month CD | Review |
SkyOne Federal Credit Union | 4.20% APY 12-Month CD | Review |
CIT Bank | 3.50% APY 13-Month CD | Review |
CIT Bank | 3.50% APY 11-Month No-Penalty CD | Review |
CIT Bank | 3.00% APY 6-Month CD | Review |
CIT Bank | 3.00% APY 18-Month CD | Review |
Demo says
What the ach transfer rate for CD’s?
Sherri Potter says
I couldn’t find anything about distribution in your information. Can I have the interest credited to my checking account either monthly or quarterly?
Gloria Barton says
Which bank has cd with .90% interest rate? That’s something I am definitely interested in.
Erling Marvik says
How do I purchase a CD from you?? I can find no way to get to you!