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iAdvertiser Disclosure
Advertiser Disclosure
Some institutions listed may have a business relationship with MonitorBankRates. Our proprietary systems independently track and verify all rates. Advertiser relationships do not influence our Safety Ratings, Star Ratings, Texas Ratio calculations, or the rates shown.
 Bread Financial Rates & Review April 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Read Full Bio →
Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
✓Fact Checked
Rates Last Updated: April 11, 2026
Bread Financial's 9-month CD rates are at 4.15%, 9-month certificate of deposit rates are at 4.15%, 9-month Retirement CD rates are at 4.15%, 6-month CD rates are at 4.00%, 6-month Retirement CD rates are at 4.00%. Bread Financial's savings rates are at 4.00%. MonitorBankRates evaluates the financial stability of Bread Financial with a 5.0 Star Rating, an B+ Overall Health Grade, and a Texas Ratio of 22.10%. Rates were last updated on 04/11/2026. Bread Financial money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Bread Financial? Share your experience about Bread Financial by leaving a review below, or read customer reviews before you decide to use Bread Financial. 
Bread Financial CD Rates
Bread Financial Savings Rates
Methodology & Data SourcesMonitorBankRates Star Rating: Our rating for Bread Financial is derived from comprehensive financial data published quarterly by the FDIC. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with customer feedback (user reviews) to help you make informed banking decisions. Texas Ratio: We calculate the Texas Ratio using standard industry methodology. This ratio compares the bank's non-performing assets to its tangible common equity and loan loss reserves to assess financial health. Rate Data Aggregation: We gather Bread Financial rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.
Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions.
It is always advisable to check with Bread Financial's official website for the most current offers and terms.
Bank Profile & Overview
Institution Name
Bread Financial
FDIC Certificate #
57570
Address
12921 S Vista Station Blvd,
Draper, UT 84020 · Salt Lake
Website
https://www.breadfinancial.com
Established
12/01/2003
FDIC Insurance Date
12/01/2003
Domestic Offices
1
Total Branches
1
Regulator
FDIC
FDIC Insured
✓ Yes — Up to $250,000
Financial Health & AssetsB+
Overall Health Grade
Score: 89/100
5.0
Exceptional
Out of 5.0 Stars
22.10%
Texas Ratio
Nat'l avg: 5.85%
Return on Assets (ROA)
5.6733%
Return on Equity (ROE)
35.2800%
Non-Performing Loans (NPL)
3.14%
Total Assets
$13,626,906,000
Total Deposits
$10,445,771,000
Equity Capital
$1,770,490,000
Net Income
$209,750,000
Headquarters
Draper
Total Offices
1
Source: FDIC | Last Updated 12/31/2025
Frequently Asked Questions About Bread FinancialIs Bread Financial a safe place to deposit money?Yes, Bread Financial is considered a safe financial institution. With a Texas Ratio of 22.101730512229%, the institution's financial health is rated as stable. Your accounts are federally insured by the FDIC (Federal Deposit Insurance Corporation) up to $250,000 per depositor, for each account ownership category. How many branches does Bread Financial operate?Bread Financial currently maintains approximately 1 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes. Is there a first-time homebuyer program?Currently, Bread Financial does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing. Are credit management and repair services offered?While formal credit repair services are not currently listed, Bread Financial provides members with tools to manage their accounts and build a solid financial history. Does Bread Financial offer online and mobile banking?Most modern institutions like Bread Financial provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.breadfinancial.com. Current Bread Financial Rates
Retrieved from our database of financial products. Rates subject to change.
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