Bread Financial is a product of Comenity Capital Bank, an FDIC-insured bank headquartered in Utah. Bread Savings offers loans and financing, credit cards and savings products such as high-yield savings accounts and certificates of deposit (CDs). Keep reading to learn more about Bread Savings CD rates in 2025.
Current Bread Savings CD Rates: November 2025
Here are the current term lengths, annual percentage yields (APYs) and minimum deposits required for Bread Savings:
| Term Length | Standard Rate | Minimum Deposit |
|---|---|---|
| 3-month CD | $1,500 | |
| 6-month CD | $1,500 | |
| 9-month CD | $1,500 | |
| 1-year CD | $1,500 | |
| 18-month CD | $1,500 | |
| 2-year CD | $1,500 | |
| 3-year CD | $1,500 | |
| 4-year CD | $1,500 | |
| 5-year CD | $1,500 |
Pros and Cons of Bread Savings CDs
Here are the advantages and disadvantages of a Bread Savings CD:
Pros
- FDIC-insured: All CDs are insured up to $250,000.
- Variety of rates: Bread Savings has a wide range of rates for different savers.
- No monthly maintenance fees: CDs do not require any maintenance fees.
Cons
- Minimum deposit: A minimum deposit of $1,500 may be too high a bar for some individuals.
- Early withdrawal penalties: If you decide to withdraw early, you will have to pay a penalty.
How Much Can You Earn With a Bread Savings CD?
The amount you earn on a Bread Savings CD depends on the amount of money you deposit, your term length and the APY.
Here’s a simple example of what you could earn:
| Deposit Amount | Term Length | APY | Estimated Interest Earned* |
|---|---|---|---|
| $1,500 | 1-year | $56.25 | |
| $5,000 | 18-month | $283.87 | |
| $10,000 | 2-year | $764.06 | |
| $25,000 | 3-year | $2,919.29 |
How To Open a CD With Bread Savings: 6-Step Guide
If you are interested in Bread Savings CD rates, opening a new account can be done in just a few steps:
- Choose the term you want — from three months to five years.
- Enter your information, including your name, email address, phone number and mailing address.
- You can choose to make your CD a joint account. If you do, you’ll need the personal information for both account holders.
- Once you enter your name, email and phone number, you’ll receive a confirmation code. If you don’t see it within a few minutes, check your junk mail folder.
- After you’ve entered the code, you’ll need to provide a mailing address and your Social Security number.
- You can begin funding your account.
Good To Know
You can fund your Bread Savings CD via ACH transfer from another bank or by depositing a paper check through the mobile app. Funds will be available within 10 business days.
To avoid early withdrawal penalties, plan to keep your money in the account until the CD reaches maturity.
Bread Savings CD Rates vs. Other Banks
How do top competitors stack up against Bread Savings? Take a look at this comparison to find out more:
| Bank | 1-Year CD Rate | 3-Year CD Rate | Minimum Deposit |
|---|---|---|---|
| Bread Savings | $1,500 | ||
| Ally Bank | $0 | ||
| Capital One* | $0 | ||
| Marcus by Goldman Sachs | $500 |
Is a Bread Savings CD Right for You?
Bread Savings CDs aren’t one-size-fits-all. Here’s when they make sense — and when you might want to look elsewhere.
A Bread Savings CD might be a good fit if you:
- Want a variety of term lengths to choose from
- Prefer a fixed, competitive APY with no monthly fees
- Don’t need quick access to your money before the term ends
You may want to skip if you:
- Need quick access to your funds
- Prefer a more flexible or higher-yield investment options
Quick Tips for Getting the Best CD Rates
If you want the best rate on a Bread Savings CD, try these strategies:
- Compare the rates for multiple terms: Look at CD rates for 12 months, two years and three years.
- Look for deals: Financial institutions often have limited-time offers or bonuses for opening a new account.
- Consider relationship banking perks: If you are a current customer, you may get a better CD rate.
- Consider using a CD laddering strategy: Use a CD laddering strategy if liquidity matters.
Bread Savings CDs: FAQ
Here are the answers to some frequently asked questions about Bread Savings CD rates and features.- What is the minimum deposit for a Bread Savings CD?
- To open a Bread Savings CD, you need a minimum deposit of $1,500. This amount must be deposited in a single transaction.
- Do I need a Bread Savings account to open a CD?
- You do not need an existing Bread Savings account to open a CD.
- Can I open a CD online?
- Yes, you can open a CD online at Bread Savings.
- What happens if I withdraw before the term ends?
- You will incur an early withdrawal penalty.
- Are Bread Savings CD rates competitive in 2025?
- Yes, Bread Savings is offering a six-month CD with a 4.00% APY, which is higher than the national average.
Rudri Patel contributed to the reporting for this article.
Rates are subject to change; unless otherwise noted, rates are updated periodically. All other information on accounts is accurate as of Nov. 5, 2025.
*Capital One interest rates accurate as of Nov. 5, 2025. See website for all current rates.
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