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

Today's 12-month CD rates can be found at 2.75%, 6-month CD rates at 4.20% and 3-month CD rates at 0.05%. Current savings rates are at 0.50% and money market rates are at 1.26%. Mortgage rates today on 30-year fixed loans are around 6.63%. Credit Card rates are at 12.96%. Personal Loan rates are at 18.00%. All these rates, and more, can be found in our database of rates. Bread Financial's 36-Month CD rates are at 4.00%, 24-Month CD rates are at 4.00%, 12-Month CD rates are at 4.00%. Bread Financial's savings rates are at 4.25%.

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 23.65%, which is considered excellent. The Texas Ratio for Bread Financial is higher than the national average of all banks, currently at 6.13%. 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

4.00%

2.52%

18-Month CD

N/A

2.27%

24-Month CD

4.00%

2.25%

36-Month CD

4.00%

2.18%

48-Month CD

N/A

2.14%

60-Month CD

N/A

2.26%

Savings

4.25%

0.62%

MMA

N/A

0.80%

30-Year Fixed

N/A

6.51%

Credit Card

N/A

14.10%

Personal Loan

N/A

11.27%

Bread Financial

12921 S Vista Station Blvd
Draper, UT 84020

https://www.breadfinancial.com

MonitorBankRates' Rating

5/5

★★★★★

Review Bread Financial

Bread Financial CD Rates and Interest Rates

Bread Financial

High Yield Savings

4.25%

$100

Bread Financial

12-Month CD

4.00%

$1,500

Bread Financial

24-Month CD

4.00%

$1,500

Bread Financial

36-Month CD

4.00%

$1,500

Disclaimer

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

The Golden 1 Credit Union

10-Month CD

4.25%

$500

Regent Bank (OK)

12-Month CD

4.15%

$1,000

Citizens Bank & Trust Company KY

12-Month CD

4.00%

$500

FNB of Kansas

Eagle Premier Checking

4.00%

$100

1st Street Credit Union

36-Month CD

3.80%

$1,000

Quaint Oak Bank

48-Month CD

3.75%

$500

Bank Midwest

18-Month CD

3.65%

$500

Bank of Franklin County

24-Month CD

3.60%

$500

Access Credit Union Bristol Pa Credit Union

48-Month CD

3.56%

$1,000

167th TFR Federal Credit Union

6-Month CD

3.55%

$500

Murphy Bank

12-Month CD

3.50%

$1,000

Lowell Five SB

35-Month CD

3.50%

$500

1st Street Credit Union

18-Month CD

3.50%

$1,000

First United Bank Dimmitt, TX

18-Month CD

3.40%

$1,000

Foresight Bank

24-Month CD

3.39%

$500

State Bank Spirit Lake, IA

12-Month CD

3.28%

$1,000

Beal Bank USA

Money Market

3.25%

$1,000

Truliant Federal Credit Union

36-Month CD

3.14%

$250

Merchants State Bank

6-Month CD

3.00%

$100

Profinium, Inc.

60-Month CD

3.00%

$500

Neffs National Bank

48-Month CD

3.00%

$1,000

The Bank of Protection

36-Month CD

2.87%

$500

Old Dominion National Bank

Business Prime Money Market

2.76%

$10,000

First Federal Bank Littlefield, Texas

18-Month CD

2.68%

$1,000

Coleman County State Bank

60-Month CD

2.43%

$1,000

Milton Savings Bank

48-Month CD

2.20%

$500

Town & Country Bank Ravenna, NE

36-Month CD

2.20%

$100

First FarmBank

Explorer Savings

2.00%

$10

New Millennium Bank

60-Month CD

2.00%

$500

The Apple Creek Banking Company

60-Month CD

1.62%

$500

Forcht Bank

Forcht Reserve Money Market

1.51%

$250,000

TriCentury Bank

Gold Money Market

1.50%

$5,000

American Bank of Beaver Dam

12-Month CD

1.45%

$1,000

Home Bank SB

60-Month CD

1.36%

$500

Chelsea State Bank (CSB)

Combined Money Market

1.26%

$25,000

FSB of Cando

3-Month CD

1.26%

$500

Grove Bank

NOW Checking

1.00%

$900

Mountain America Federal Credit Union

Money Market

1.00%

$2,500

Texas Heritage National Bank

Money Market

1.00%

Commonwealth Co-operative Bank

Money Market

0.75%

$50,000

Magnolia Bank Elizabethtown, KY

24-Month CD

0.60%

$500

Alec Federal Credit Union

Share Savings

0.45%

$100

Grand Rapids SB

24-Month CD

0.30%

$1,000

Empire State Bank

Empire Builder Savings

0.30%

$5,000

First National Bank of Eastern Arkansas

Regular Saving

0.25%

$100

VisionBank Saint Louis Park, MN

Vision Savings

0.10%

$50

Huntington FSB

Paymaster Checking

0.05%

$100

GSB Guilford Savings Bank

12-Month CD

0.05%

$1,000

F&M Bank of Hutsonville

Simply Savings

0.03%

$50

Vibrant Credit Union

60-Month CD

0.01%

Disclaimer

Mortgage Rates December 10, 2025

1st Northern California Credit Union

7-Year Fixed

3.990%

4.357%

0.750

1st Northern California Credit Union

10-Year Fixed

4.250%

4.514%

0.750

1st Northern California Credit Union

15-Year Fixed

4.500%

4.685%

0.750

DCU Digital Federal Credit Union

10-Year Fixed

4.875%

5.195%

1.125

State Employees Credit Union

10-Year Fixed

5.050%

5.243%

0.000

North Carolina Press Association Federal Credit Union

10 Year Fixed

5.050%

5.243%

0.000

Piedmont Advantage Credit Union

15-Year Fixed

5.000%

5.255%

0.000

Luana Savings Bank

15-Year Fixed

5.250%

5.299%

0.000

Navy Federal Credit Union

15-Year Fixed

5.125%

5.317%

0.250

First FSB of Champaign Urbana

10-Year Fixed

5.250%

5.319%

0.000

Mutual Security Credit Union

5/1 ARM

5.250%

5.362%

0.000

DCU Digital Federal Credit Union

15-Year Fixed

5.125%

5.370%

1.250

North Carolina Press Association Federal Credit Union

5 Year ARM

5.375%

5.378%

0.000

State Employees Credit Union

15-Year Fixed

5.250%

5.386%

0.000

North Carolina Press Association Federal Credit Union

15 Year Fixed

5.250%

5.386%

0.000

Abound Federal Credit Union

15-Year Fixed Jumbo

5.375%

5.400%

0.000

Sikorsky Credit Union

15-Year Fixed

5.375%

5.431%

0.000

A+ Federal Credit Union

15-Year Fixed

5.375%

5.476%

0.000

Abound Federal Credit Union

15-Year Fixed

5.375%

5.512%

0.000

1st Northern California Credit Union

15-Year Fixed (Jumbo)

5.375%

5.525%

0.750

Catskill Hudson Bank

15-Year Fixed

5.375%

5.528%

0.623

American Eagle Financial Credit Union

15-Year Fixed

5.375%

5.544%

0.000

GTE Federal Credit Union

15 Year Fixed

5.375%

5.547%

0.500

First FSB of Champaign Urbana

15-Year Fixed

5.500%

5.549%

0.000

American Bank, N.A. Le Mars, IA

10-Year Fixed

5.375%

5.552%

0.500

Disclaimer

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

Website: https://www.breadfinancial.com

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:

$12,730,018,000

Total Deposits:

$9,525,543,000

Equity Capital:

$1,986,909,000

Domestic Deposits:

$9,525,543,000

Net Income:

$100,439,000

Return on Assets:

5.6733%

Quarterly Return on Assets:

3.1300%

Pretax Return on Assets:

4.2113%

Pretax Quarterly Return on Assets:

4.2100%

Return on Equity:

35.2800%

Quarterly Return on Equity:

20.7400%

Common Equity Tier 1 Capital Ratio:

18.4998%

Tier 1 Risk-Based Capital Ratio:

18.4998%

Leverage Tier 1 (Core Capital) Ratio:

16.4584%

Total Risk-Based Capital Ratio (YTD):

19.8659%

Total Interest Income (YTD):

22.7732%

Headquarters:

Draper

FDIC Field Office:

Salt Lake City

Regulator:

FDIC

County:

Salt Lake

# of Offices:

Metropolitan Statistical Area (MSA):

Salt Lake City, UT

Consolidated Metropolitan Statistical Area (CMSA):

OTS Region:

West

FDIC Region:

San Francisco

Source: FDIC Last Updated 03/31/2024

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.

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%

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.

Explore Other Rate Deals

Comenity Direct Savings Rate - Best Savings Rate Alert

Comenity Direct savings rates are now the best savings rate on our list at 2.45 percent with an APY of 2.48 percent. Comenity Direct, the new online banking division of Comenity Capital Bank, just launched their High Yield Savings Account with the new top rate. The minimum opening deposit for a savings account at Comenity Direct is $100.

Social Security - Planning Your Retirement

Having a comfortable lifestyle in retirement is the goal for most people when they retire. Maintaining your existing lifestyle on less income can be challenging. In fact, figuring out how much income you'll need to retire on is a challenge in itself.

Mortgage Rates: Best 30 Year Mortgage Rates and 15 Year Mortgage Rates

The current national average 30 year mortgage rate is at 4.87 percent this morning, down from over 5.00 percent several weeks ago. Mortgage rates have been heading down despite the fact the Fed stopped buying mortgage backed securities in March. Mortgage interest rate declines in the U.S. have accelerated recently because of the debt trouble in Europe and a declining euro.