Bread Financial CD Rates, Savings & MMA, Mortgage & Loan Rates, Reviews

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Today's 12-month CD rates can be found at 0.15%, 6-month CD rates at 4.70% and 3-month CD rates at 0.05%. Current savings rates are at 0.30% and money market rates are at 0.50%. Mortgage rates today on 30-year fixed loans are around 7.44%. Credit Card rates are at 8.90%. Personal Loan rates are at 13.49%. All these rates, and more, can be found in our database of rates. Bread Financial's 12-Month CD rates are at 5.25%, 24-Month CD rates are at 4.65%, 36-Month CD rates are at 4.25%, 60-Month CD rates are at 4.15%, 48-Month CD rates are at 4.15%. Bread Financial's savings rates are at 5.15%.

Bread Financial

To see how these rates compare to Bread Financial CD rates, feel free to use our comprehensive rate tables for side-by-side comparisons of CD rates from Bread Financial, savings rates and money market rates, with rates from other banks and credit unions below. You can use our bank rate lists to compare CD rates for all CD terms, with Bread Financial CD rates. You can also compare Bread Financial savings rates, MMA rates and mortgage rates using our other rate lists.

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 Texas Ratio

Bread Financial's Texas Ratio is at 20.68%, which is considered excellent. The Texas Ratio for Bread Financial is higher than the national average of all banks, currently at 6.24%. The Texas Ratio was developed in the early 1980s, and it is used to identify potential problem banks. Banks that have a Texas Ratio of 100% or more have a high chance of failing.

Overall, Bread Financial is an excellent bank worth considering, with an overall rating of 5 stars out of 5 stars.

Rate
APY/APR
vs Avg
12-Month CD
5.25%
18-Month CD
N/A
24-Month CD
4.65%
36-Month CD
4.25%
48-Month CD
4.15%
60-Month CD
4.15%
Savings
5.15%
MMA
N/A
30-Year Fixed
N/A
Credit Card
N/A
Personal Loan
N/A
Bread Financial
12921 S Vista Station Blvd
Draper, UT 84020
Member FDIC
MonitorBankRates' Rating
5/5
★★★★★

Bread Financial CD Rates and Interest Rates

Bank
Product
APY
Min Dep
Bread Financial
Bread Financial
12-Month CD
5.25%
$1,500
Bread Financial
Bread Financial
Savings Account
5.15%
$100
Bread Financial
Bread Financial
24-Month CD
4.65%
$1,500
Bread Financial
Bread Financial
36-Month CD
4.25%
$1,500
Bread Financial
Bread Financial
48-Month CD
4.15%
$1,500
Bread Financial
Bread Financial
60-Month CD
4.15%
$1,500
Show More

The Annual Percentage Yields (APYs) displayed are based on the highest APY offered for the specified deposit amount or less. Rates may change without prior notice. The "Min. Balance" indicates the minimum amount required to earn the stated APY. Please note that some of the offers presented on this site are from advertisers, who provide compensation for their inclusion. However, these advertised offers do not encompass all available deposit accounts.

Compare Bread Financial Rates with Other Competitive Bank and Credit Union Rates

Bank
Product
APY
Min Dep
Riverside Bank of Dublin
Riverside Bank of Dublin
6-Month CD
5.35%
$500
MyeBanc, a division of Bradesco Bank
MyeBanc, a division of Bradesco Bank
12-Month CD
5.30%
$5,000
WCF Financial Bank
WCF Financial Bank
7-Month CD special
5.10%
$1,000
New Albin Savings Bank
New Albin Savings Bank
12-Month Jumbo CD
5.09%
$100,000
PNB of Kewanee
PNB of Kewanee
15-Month CD special
4.71%
$1,000
Woodlands National Bank
Woodlands National Bank
6-Month CD
4.41%
$10,000
United States Senate Federal Credit Union
United States Senate Federal Credit Union
36-Month CD (Certificate)
4.10%
$1,000
Acme Continental Credit Union
Acme Continental Credit Union
18-Month CD share certificate
4.08%
$1,000
KodaBank
KodaBank
3-Month CD
4.06%
$1,000
First Resource Bank Exton, PA
First Resource Bank Exton, PA
48-Month CD
3.75%
$500
Brentwood Bank
Brentwood Bank
Interest Rewards Checking
3.55%
$50
Abilene Teachers Federal Credit Union
Abilene Teachers Federal Credit Union
12-Month CD share certificate
3.40%
$500
AAA Federal Savings Bank
AAA Federal Savings Bank
24-Month CD
3.30%
$1,500
Atkins Savings B&T
Atkins Savings B&T
36-Month CD Adjust-A-Rate
3.28%
$1,000
TriCentury Bank
TriCentury Bank
High Yield Savings IRA
3.00%
$200,000
Tri-County Trust Company
Tri-County Trust Company
60-Month CD
2.78%
$1,000
Salem Co-operative Bank
Salem Co-operative Bank
36-Month CD
2.53%
$500
NBT Financial Bank
NBT Financial Bank
36-Month Jumbo CD
2.52%
$250,000
Bank Forward
Bank Forward
18-Month CD
2.50%
$500
Union Federal S&L
60-Month CD
2.25%
$200
Peoples T&S Bank Boonville, IN
Peoples T&S Bank Boonville, IN
18-Month CD
2.15%
$500
Grinnell State Bank
Grinnell State Bank
6-Month CD
2.06%
$1,000
FNB at St. James
FNB at St. James
18-Month CD
2.02%
$500
Fifth District Savings Bank
Fifth District Savings Bank
36-Month CD
2.00%
$1,000
The Citizens Bank Company
The Citizens Bank Company
12-Month CD
1.76%
$1,000
First Savings Bank of Hegewisch
First Savings Bank of Hegewisch
FSBH E-Account Checking
1.76%
$250
Washington State Bank Washington, IA
Washington State Bank Washington, IA
6-Month CD
1.46%
$500
NCS Bank
NCS Bank
36-Month CD
1.26%
$500
SSB State Street Bank
SSB State Street Bank
60-Month CD
1.21%
$1,000
Farmers State Bank of Western Illinois
Farmers State Bank of Western Illinois
48-Month CD
1.15%
$500
Murray Bank
Murray Bank
30-Month CD
1.00%
$1,000
SSB Sherwood State Bank
SSB Sherwood State Bank
18-Month CD
1.00%
$1,000
Thumb Bank and Trust
Thumb Bank and Trust
60-Month CD
0.90%
$500
Clay County Savings Bank
Clay County Savings Bank
12-Month CD
0.76%
$500
First Arkansas Bank and Trust
First Arkansas Bank and Trust
36-Month CD
0.75%
$500
BAC Community Bank
BAC Community Bank
48-Month CD
0.75%
$2,500
Platte Valley Bank North Bend, NE
Platte Valley Bank North Bend, NE
Checking Account Now
0.65%
$1,000
RBAZ Republic Bank of Arizona
Republic Basic Savings
0.51%
$100
Frontier State Bank
Frontier State Bank
Regular Savings Account
0.40%
$100
First National Bank in Pinckneyville
First National Bank in Pinckneyville
30-Month CD
0.40%
$500
First Security State Bank Evansdale, IA
First Security State Bank Evansdale, IA
Platinum Money Market
0.40%
$5,000
Tremont First National Bank
Tremont First National Bank
36-Month CD
0.40%
$1,000
American Commerce Bank, N.A.
American Commerce Bank, N.A.
Personal Savings
0.35%
$100
Washington State Bank Washington, IA
Washington State Bank Washington, IA
Savings
0.25%
$100
First Hawaiian Bank
First Hawaiian Bank
18-Month CD eCD
0.12%
$500
First FSB Rochester, IN
First FSB Rochester, IN
Preferred Interest Checking
0.05%
$1,500
The Bank of Tioga
The Bank of Tioga
Money Market
0.03%
$2,500
NCF Savings Bank
NCF Savings Bank
Statement Savings
0.02%
$0
Kitsap Bank
Kitsap Bank
Legends Checking
0.02%
$100
Chelsea Groton Bank
Chelsea Groton Bank
Money Market
0.01%
$25
Show More

The Annual Percentage Yields (APYs) displayed are based on the highest APY offered for the specified deposit amount or less. Rates may change without prior notice. The "Min. Balance" indicates the minimum amount required to earn the stated APY. Please note that some of the offers presented on this site are from advertisers, who provide compensation for their inclusion. However, these advertised offers do not encompass all available deposit accounts.

Mortgage Rates April 14, 2024

Lender
Product
Rate
APR
Points
4.500%
4.666%
0.000
4.650%
4.766%
0.000
4.990%
5.287%
0.500
5.000%
5.363%
2.000
5.500%
5.570%
0.000
5.500%
5.614%
0.000
10-Year Power Rate Fixed
5.954%
5.625%
0.000
15-Year Fixed
5.625%
5.681%
0.000
5.500%
5.716%
0.500
15-Year Power Rate Fixed
5.974%
5.750%
0.000
5.625%
5.777%
0.500
5.750%
5.834%
0.000
People\'s Alliance Federal Credit Union
People\'s Alliance Federal Credit Union
10 Year Fixed
0.000%
5.875%
1.000
15-Year Fixed
5.625%
5.877%
0.975
5.750%
5.883%
0.500
6.000%
5.892%
0.000
10-Year Fixed (LTV 90% or less)
5.675%
5.894%
0.000
5.625%
5.909%
1.000
5.875%
5.913%
0.000
15 Year Fixed
5.625%
5.923%
1.000
15-Year Fixed
5.875%
5.925%
0.000
5.750%
5.946%
0.250
5.875%
5.958%
0.000
Show More

The mortgage rates presented are solely intended for informational use. Please consult the mentioned lenders for up-to-date mortgage rates. The actual mortgage rates and other loan conditions depend on the lender's approval and are not guaranteed.

Bread Financial Information

Bread Financial
12921 S Vista Station Blvd
Draper, UT 84020
Salt Lake
Established Date: 12/01/2003
FDIC Certificate #: 57570
Date of FDIC Deposit Insurance: 12/01/2003
How Many Domestic U.S. Offices? 1
How Many Branches are There? 1
Is Bread Financial FDIC Insured? Yes
What is Bread Financial's Cert number? 57570
What is the maximum amount for insured deposits? $250,000 per holder, per account

Bread Financial Financials

Total Assets:
$11,913,520,000
Total Deposits:
$8,831,549,000
Equity Capital:
$2,254,653,000
Domestic Deposits:
$8,831,549,000
Net Income:
$413,917,000
Return on Assets:
3.0292%
Quarterly Return on Assets:
12.3500%
Pretax Return on Assets:
16.5459%
Pretax Quarterly Return on Assets:
16.5500%
Return on Equity:
20.3500%
Quarterly Return on Equity:
77.1100%
Common Equity Tier 1 Capital Ratio:
18.3955%
Tier 1 Risk-Based Capital Ratio:
18.3955%
Leverage Tier 1 (Core Capital) Ratio:
16.1236%
Total Risk-Based Capital Ratio (YTD):
19.7419%
Total Interest Income (YTD):
21.4727%
 
 
Headquarters:
Draper
FDIC Field Office:
Salt Lake City
Regulator:
FDIC
County:
Salt Lake
# of Offices:
1
Metropolitan Statistical Area (MSA):
Salt Lake City, UT
Consolidated Metropolitan Statistical Area (CMSA):
OTS Region:
West
FDIC Region:
San Francisco
Source: FDIC

Top 50 CD Rates on 12-Month Certificates of Deposit 1/6/24

The 12-month CD rates listed here are significantly higher than the average 12-month rate of 2.82% in our database of rates as of 1/6/24. Right now the best CD rate on our 12-month list is at 6.00%, two credit unions are currently offering the top rate, City Credit Union Credit Human FCU. The third best rate is also from a credit union, All In Credit Union is offering a 12-month jumbo CD rate of 5.80%.

The 4th best 12-month rate is from MyeBanc, currently offering a 12-month jumbo CD rate of 5.77% APY. Bayer Heritage FCU has the 5th best rate at 5.76% for a 12-month jumbo CD. The 6th best rate is a three-way tie at 5.75% APY, All In Credit Union, One World Bank and Washita State Bank are all offering a 5.75% APY for a regular 12-month CD. You can view the top 50 rates below, do your own search of our database for the best CD rates on 12-month CDs.

    Read more...

Bread Financial CD Rates: Top Rate 5.60% APY 12-Month CD

Bread Financial CD rates for short and intermediate-term certificates of deposit are all above 5.00%. The best CD rate offered at Bread Financial is on the 12-month CD, which has a current rate of 5.45% and an APY of 5.60%. Other great rates to mention are on Bread Financial's 24-month CD which has a current rate of 5.02% with an APY of 5.15%. View a complete list of Bread Financial CD rates below and compare those rates with other rates available.

Bread Financial 12-Month CD

  • Rate: 5.60%
  •     Read more...

    Highest Savings Account Rates for September 8, 2023

    Since the Federal Reserve has been increasing rates for the past 15 months, high-yield savings accounts have become an even more attractive option for savers and investors. Gone are the days of low interest rates for online banks, if you're looking to maximize your returns on your savings account, you've come to the right place. Below, we list some of the highest and most competitive savings account rates available in descending order of the interest rate offered:

    Highest Savings Rates:

  • UBS Bank USA: 5.40%, Minimum deposit: $1000
  •     Read more...

    Bread Savings Rates at 4.65% APY

    Bread savings rates are at the top end of savings rates available these days. Savings rates at Bread Savings rates are currently at 4.65% APY, much higher than the national average savings rate. Chances are you might not have heard of the Bread Savings Account but in the world of personal finance, the name "Bread Savings Account" has become synonymous with an innovative, user-friendly, and high-interest savings solution.

    Offered by Bread Financial, the Bread Savings Account (BSA) has been designed to make saving money easier and more rewarding for its customers. One of the most attractive features of the Bread Savings Account is its competitive savings rate. As of May 2023, the annual percentage yield (APY) on the BSA at 1.75% is more than 11x the current national average savings rate.

    This high savings rate ensures that you can grow your savings at a faster pace, without worrying about the erosion of their purchasing power due to inflation. The interest on the BSA is compounded daily and credited monthly, allowing savers to maximize their earnings with minimal effort.

        Read more...

    Explore Other Rate Deals

    Mortgage Rates Friday, January 13, 2012: 30 Year Mortgage Rates at 4.05%Mortgage rates today on 30 year home loans are averaging 4.05%, an increase from yesterday's average 30 year mortgage rate of 4.00%. This is the third consecutive day 30 year conforming mortgage rates are higher in our average mortgage rates survey. Today's mortgage rates on 15 year home loans are averaging 3.33%, an increase from yesterday's average 15 year mortgage rate of 3.30%.

    As we predicted late last week average 15 year mortgage rates hit a record low and broke through 3.00 percent in Freddie Mac's Primary Mortgage Market Survey. In the survey, 15 year mortgage rates hit an all-time record low of 2.97 percent with 0.7 points, down from the previous week's average 15 year mortgage rate of 3.04 percent.
    Falling Treasury yields late last week are sending mortgage rates today lower on both conforming and jumbo mortgage loans. 10 year Treasury yields closed at 1.56 percent last Friday on news the Federal Reserve is more likely to act with another round of quantitative easing to force bond yields lower. At a conference in Jackson Hole, Wyoming, the Fed Chairman, Ben Bernanke, said they are ready to act with more easing if the economy slows down. This news sent bond yields lower and current mortgage rates lower as well.

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