Bread Financial CD Rates: 5.25% APY 12-Month Term (Nationwide)

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.

*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)

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.