Bread Savings CD Review

Bread Savings CD rates today

Term	APY
3 months	3.95%
6 months	4.05%
9 months	4.40%
1 year	4.45%
18 months	4.85%
2 years	4.55%
3 years	4.60%
4 years	4.65%
5 years	4.70%

Rates as of October 15, 2026, from the Bread Savings website. On Oct 15 Bread raised its 18 month CD from 4.75% to 4.85% and its 2 to 5 year CDs by 0.10 point each.

CD rates change often for new deposits. Once you open a CD, your rate is fixed for the term.

Our verdict

Bread Savings pays strong rates on every term from 3 months to 5 years, and its 18 month CD is the highest CD rate we track at our latest check. The trade offs are a $1,500 minimum and some of the steepest early withdrawal penalties we track, especially the full year of interest on 4 and 5 year CDs.

Which Bread CD term is best?

• 18 months pays the most, 4.85%, with a 180 day penalty.
• 9 months at 4.40% is the best short term, with a 90 day penalty.
• 4 and 5 years pay 4.65% and 4.70%, but breaking them costs 365 days of interest. On $10,000 at 4.70%, that is about $470.

Bread vs. Barclays and Marcus

Barclays pays 4.75% on its 2 and 5 year CDs (valid as of Oct 7, 2026) with no minimum deposit and a 180 day penalty on long terms, so it beats Bread on those two terms. Bread pays more on 6, 9 and 18 months and on 3 and 4 years. See Barclays vs. Bread Savings CDs and Marcus vs. Bread Savings CDs. The best 12 month rate we track is 4.65% APY at CFG Bank CDs; every CD is on our best CD rates page.

Rules to know

The minimum opening deposit is $1,500 and the maximum is $1 million per CD. Interest compounds daily and is credited monthly. Early withdrawal penalties are 90 days of simple interest on terms under 12 months, 180 days on 12 months to 3 years, and 365 days on 4 years and up, and the penalty can reduce your principal. CDs renew automatically at maturity at the base rate then in effect, with a 10 day grace period to make changes.

Is it safe?

Bread Savings is offered by Comenity Capital Bank in Draper, Utah, FDIC insured under certificate 57570, which we confirmed in the FDIC BankFind database on Oct 15, 2026. Deposits are insured up to $250,000 per depositor, per ownership category.

Compare CD rates by term: 6 month · 9 month · 1 year · 18 month · 2 year · 3 year · 4 year · 5 year

How we rated it

It earns top marks for rates across every term, and loses points on the $1,500 minimum and steep penalties on long terms. It scores 4.4 out of 5 on our scorecard for this category. See how we score on the comparison page and our methodology.