Bread Savings CD vs Capital One 360 1-Year CD
Side by side on the numbers that decide it. The money8020 Score already weighs these — this is the receipts.
money8020 pick BS Bread Savings CD Bread Savings (Comenity Capital Bank) 99/100 | CO Capital One 360 1-Year CD Capital One 94/100 | |
|---|---|---|
| Tier | Essential | Essential |
| 1-year APY | 4.00% | 3.90% |
| 3-year APY | 4.00% | 12 months |
| 5-year APY | 4.00% | $0 |
| Minimum deposit | $1,500 | Yes |
| Annual fee | — | — |
| Best for | Savers who can lock funds away for a fixed term | Savers who want to lock a strong 1-year rate with no minimum |
| View profile | View profile |
Which should you choose: the Bread Savings CD or the Capital One 360 1-Year CD?
The Bread Savings CD is the stronger pick of the two, with a money8020 score of 99/100 versus 94. Choose the Capital One 360 1-Year CD instead if savers who want to lock a strong 1-year rate with no minimum.
On 1-year APY, the Bread Savings CD shows 4.00% versus the Capital One 360 1-Year CD's 3.90%. On 3-year APY, the Bread Savings CD shows 4.00% versus the Capital One 360 1-Year CD's 12 months. On 5-year APY, the Bread Savings CD shows 4.00% versus the Capital One 360 1-Year CD's $0. Both figures are reflected in the money8020 score above; confirm current terms with each provider before deciding. This is not financial advice.
Bread Savings CD vs Capital One 360 1-Year CD: FAQ
Is the Bread Savings CD or the Capital One 360 1-Year CD better?
By our scoring, the Bread Savings CD edges ahead with a money8020 score of 99/100 versus 94. The Capital One 360 1-Year CD can still be the better fit if savers who want to lock a strong 1-year rate with no minimum.
What is the main difference between the Bread Savings CD and the Capital One 360 1-Year CD?
On 1-year APY, the Bread Savings CD offers 4.00% while the Capital One 360 1-Year CD offers 3.90%. Review the full table above and confirm current terms with each provider. This is not financial advice.