Bread Savings CD vs Sallie Mae 18-Month 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 | SM Sallie Mae 18-Month CD Sallie Mae Bank 93/100 | |
|---|---|---|
| Tier | Essential | Essential |
| 1-year APY | 4.00% | 4.00% |
| 3-year APY | 4.00% | 18 months |
| 5-year APY | 4.00% | $2,500 |
| Minimum deposit | $1,500 | Yes |
| Annual fee | — | — |
| Best for | Savers who can lock funds away for a fixed term | Savers who can lock $2,500+ for 18 months at a top rate |
| View profile | View profile |
Which should you choose: the Bread Savings CD or the Sallie Mae 18-Month CD?
The Bread Savings CD is the stronger pick of the two, with a money8020 score of 99/100 versus 93. Choose the Sallie Mae 18-Month CD instead if savers who can lock $2,500+ for 18 months at a top rate.
On 3-year APY, the Bread Savings CD shows 4.00% versus the Sallie Mae 18-Month CD's 18 months. On 5-year APY, the Bread Savings CD shows 4.00% versus the Sallie Mae 18-Month CD's $2,500. On minimum deposit, the Bread Savings CD shows $1,500 versus the Sallie Mae 18-Month CD's Yes. 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 Sallie Mae 18-Month CD: FAQ
Is the Bread Savings CD or the Sallie Mae 18-Month CD better?
By our scoring, the Bread Savings CD edges ahead with a money8020 score of 99/100 versus 93. The Sallie Mae 18-Month CD can still be the better fit if savers who can lock $2,500+ for 18 months at a top rate.
What is the main difference between the Bread Savings CD and the Sallie Mae 18-Month CD?
On 3-year APY, the Bread Savings CD offers 4.00% while the Sallie Mae 18-Month CD offers 18 months. Review the full table above and confirm current terms with each provider. This is not financial advice.