Bread Savings CD Rates 2026: Every Term and APY (Oct 19)
Bread Savings CD rates as of October 19, 2026: 4.85% APY on 18 months, 4.45% on 1 year and 3.95% to 4.70% on other terms, with a $1,500 minimum. Penalties, renewal rules and FDIC status checked.
Bread Savings CD rates as of October 19, 2026 top out at 4.85% APY on an 18-month CD. The 1-year CD pays 4.45%, the 9-month 4.40%, and every term from 3 months to 5 years pays at least 3.95%. You need $1,500 to open, interest compounds daily, and early withdrawal costs 90 to 365 days of simple interest depending on the term.
Rates as of October 19, 2026. We loaded Bread Savings’ own certificates of deposit page on October 19, 2026, which states that all Bread Savings APYs are accurate as of 10/19/2026. We checked the bank’s insurance status in FDIC BankFind and the national averages in the FDIC’s national rates and rate caps as of September 21, 2026. Rates for new CDs can change at any time; confirm the APY with Bread Savings before you open. This page is general information and is not financial advice. Some links on Money 8020 are affiliate or partner links; see our advertiser and affiliate disclosure.
What are Bread Savings CD rates today?
| Bread Savings CD term | APY (as of Oct 19, 2026) | Interest on $10,000 at maturity (estimate) |
|---|---|---|
| 3 months | 3.95% | about $97 |
| 6 months | 4.05% | about $200 |
| 9 months | 4.40% | about $328 |
| 1 year | 4.45% | about $445 |
| 18 months | 4.85% | about $736 |
| 2 years | 4.55% | about $931 |
| 3 years | 4.60% | about $1,444 |
| 4 years | 4.65% | about $1,994 |
| 5 years | 4.70% | about $2,582 |
Source: Bread Savings, certificates of deposit, rate list, October 19, 2026. Interest estimates are our arithmetic: $10,000 compounded at the APY for the term, with interest left in the CD. Your actual interest depends on your funding date and the rate in your account documents.
Two things stand out. First, the 18-month CD at 4.85% is the best rate on Bread’s ladder, 0.40 points above the 1-year and 0.15 points above the 5-year. Second, the curve is unusual: rates rise from 3 months to 18 months, dip at 2 years, then climb again to 4.70% at 5 years. If you can lock money for 18 months, that term is the sweet spot.
For the shortest commitments, the 9-month CD at 4.40% earns almost as much as the 1-year and returns your money three months sooner.
How Bread Savings CD rates compare with the national average
The FDIC publishes a national rate for each common CD term, an average across banks and credit unions. Here is how Bread compares on the terms both publish.
| Term | Bread Savings APY (Oct 19, 2026) | FDIC national rate (Sep 21, 2026) | Bread above average by |
|---|---|---|---|
| 3 months | 3.95% | 1.13% | 2.82 points |
| 6 months | 4.05% | 1.41% | 2.64 points |
| 12 months | 4.45% | 1.73% | 2.72 points |
| 24 months | 4.55% | 1.61% | 2.94 points |
| 36 months | 4.60% | 1.36% | 3.24 points |
| 48 months | 4.65% | 1.28% | 3.37 points |
| 60 months | 4.70% | 1.38% | 3.32 points |
Sources: Bread Savings CD page, October 19, 2026; FDIC national rates and rate caps, monthly rate cap information as of September 21, 2026. The FDIC does not publish an 18-month national rate.
How Bread Savings compares with other online-bank CDs
| Bank | Best term checked Oct 19, 2026 | APY | Minimum |
|---|---|---|---|
| Bread Savings | 18 months | 4.85% | $1,500 |
| Synchrony Bank | 60 months | 4.50% | $0 |
| Sallie Mae Bank | 60 months | 4.50% | $2,500 balance |
| Marcus by Goldman Sachs | 12 months to 2 years | 4.40% | $500 |
| Capital One 360 | 11 months | 4.40% | $0 |
| American Express | 10 and 22 months | 4.40% | $0 |
Sources: each bank’s own CD page on October 19, 2026 (Synchrony, Sallie Mae, Marcus, Capital One, American Express).
Bread paid the highest CD rate we verified on October 19, 2026, and the highest 1-year rate. The trade-off is the $1,500 minimum. If you have less, Capital One, American Express and Synchrony pay 4.40% to 4.50% with no minimum. See our ranked lists of best CD rates of 2026 and best short-term and no-penalty CDs.
Bread Savings CD terms and fees
| Feature | Bread Savings CD (Oct 19, 2026) |
|---|---|
| Terms | 3 months to 5 years |
| Minimum opening deposit | $1,500, in a single transaction |
| Maximum per account | $1 million |
| Monthly maintenance fee | None |
| Compounding | Daily; credited and posted monthly |
| Additional deposits | Not listed on the CD page; plan on one opening deposit |
| Early withdrawal penalty | 90 days of simple interest (under 1 year); 180 days (12 months to 3 years); 365 days (4 years and up) |
| Maturity | Automatic renewal for the same term at the base rate; 10-day grace period |
| Other fees | $5 paper statement request; $15 official check; $25 outgoing wire |
| Issuing bank | Comenity Capital Bank, Utah state-chartered, Member FDIC (cert 57570) |
Source: Bread Savings, certificates of deposit, rate disclosures and FAQs, October 19, 2026.
What does early withdrawal cost?
Bread charges a set number of days of simple interest. Here is roughly what that means on $10,000, using the APY as a stand-in for the interest rate (our estimate; your account documents set the exact rate).
| CD | Penalty | Approximate cost on $10,000 |
|---|---|---|
| 9 months at 4.40% | 90 days of interest | about $108 |
| 1 year at 4.45% | 180 days of interest | about $219 |
| 18 months at 4.85% | 180 days of interest | about $239 |
| 5 years at 4.70% | 365 days of interest | about $470 |
How we calculated: $10,000 × APY × (penalty days ÷ 365). If you withdraw early in the term, the penalty can exceed the interest you have earned and reduce your principal. If there is a real chance you will need the money, a no-penalty CD or a high-yield savings account may fit better.
Bread Savings CD vs Bread high-yield savings
Bread’s own High-Yield Savings Account paid 4.05% APY as of 10/19/2026 with a $100 minimum, and its rate can change after you open. The 18-month CD at 4.85% pays 0.80 points more and locks that rate for the full term. The 3- and 6-month CDs (3.95% and 4.05%) pay no more than the savings account, so for very short horizons the savings account is the more flexible choice. See the Bread Savings High-Yield Savings review.
Is a Bread Savings CD safe?
Bread Savings deposit products are provided by Comenity Capital Bank, a Utah state-chartered bank owned by Bread Financial. FDIC BankFind listed Comenity Capital Bank as an active insured institution (certificate 57570, Draper, Utah) on October 19, 2026. Standard coverage is $250,000 per depositor, per insured bank, per ownership category; see the FDIC’s guide to understanding deposit insurance. Read the full Bread Savings CD review for pros and cons.
Methodology and sources
- Issuer: Bread Savings certificates of deposit page and high-yield savings page, loaded October 19, 2026 (APYs accurate as of 10/19/2026).
- Regulator: FDIC BankFind, Comenity Capital Bank, certificate 57570, active.
- Benchmark: FDIC national rates and rate caps, as of September 21, 2026.
- Comparison banks: Synchrony, Sallie Mae, Marcus, Capital One and American Express CD pages, each loaded October 19, 2026.
- Related Money 8020 pages for navigation only: Capital One 360 CD rates, Marcus CD rates, Amex CD rates, CD statistics 2026. We do not cite our own pages as sources of facts.
More rate guides: Capital One 360 CD rates, Marcus CD rates, Amex CD rates, Synchrony CD and savings rates and CD statistics 2026.
Frequently asked questions
What are Bread Savings CD rates today?
As of 10/19/2026, Bread Savings lists 3.95% APY on 3 months, 4.05% on 6 months, 4.40% on 9 months, 4.45% on 1 year, 4.85% on 18 months, 4.55% on 2 years, 4.60% on 3 years, 4.65% on 4 years and 4.70% on 5 years. Rates are fixed once the CD is opened but can change for new CDs at any time. This is not financial advice.
What is the minimum deposit for a Bread Savings CD?
Bread Savings requires $1,500 to open a CD, deposited in a single transaction. The maximum is $1 million per account. That minimum is higher than at banks such as Capital One, American Express and Synchrony, which list no minimum on their CDs.
What is the Bread Savings CD early withdrawal penalty?
Per Bread Savings, the penalty is 90 days of simple interest on terms shorter than 1 year, 180 days of simple interest on terms of 12 months to 3 years, and 365 days of simple interest on terms of 4 years and up. On a $10,000 1-year CD at 4.45% APY, 180 days of interest is roughly $219 (our estimate).
Which Bread Savings CD term pays the most?
On October 19, 2026, the 18-month CD paid the most at 4.85% APY. It paid more than every longer term, including the 5-year CD at 4.70%, so you do not need to lock money up past 18 months to get Bread's best rate.
What happens when a Bread Savings CD matures?
Bread Savings notifies you before maturity, and the CD renews automatically for the same term at the base rate then in effect. You have 10 calendar days after maturity to withdraw the money or close the CD without a penalty.
Is Bread Savings FDIC insured?
Yes. Bread Savings deposit products are provided by Comenity Capital Bank, a Utah state-chartered bank, which FDIC BankFind listed as an active insured institution (certificate 57570, Draper, Utah) on October 19, 2026. Coverage is up to $250,000 per depositor, per insured bank, per ownership category.