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

Today's 12-month CD rates can be found at 3.03%, 6-month CD rates at 4.86% and 3-month CD rates at 4.25%. Current savings rates are at 0.15% and money market rates are at 0.05%. Mortgage rates today on 30-year fixed loans are around 6.58%. Credit Card rates are at 17.20%. Personal Loan rates are at 8.25%. All these rates, and more, can be found in our database of rates. Bread Financial's 12-Month CD rates are at 5.10%, 24-Month CD rates are at 4.40%, 36-Month CD rates are at 4.00%, 60-Month CD rates are at 3.90%, 48-Month CD rates are at 3.90%. 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 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

5.10%

2.77%

18-Month CD

N/A

2.39%

24-Month CD

4.40%

2.36%

36-Month CD

4.00%

2.22%

48-Month CD

3.90%

2.11%

60-Month CD

3.90%

2.25%

Savings

5.15%

0.83%

MMA

N/A

1.52%

30-Year Fixed

N/A

6.37%

Credit Card

N/A

14.06%

Personal Loan

N/A

11.28%

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

Savings

5.15%

$100

Bread Financial

12-Month CD

5.10%

$1,500

Bread Financial

24-Month CD

4.40%

$1,500

Bread Financial

36-Month CD

4.00%

$1,500

Bread Financial

48-Month CD

3.90%

$1,500

Bread Financial

60-Month CD

3.90%

$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

UFB Direct

Secure Savings

5.15%

Tioga-Franklin Savings Bank

Affinity Savings

5.13%

First National Bank of America (FNBA)

12-Month CD

5.05%

$1,000

Hancock Whitney Bank

3-Month CD (special)

5.00%

$1,000

Consumers Credit Union

Free Rewards Checking

5.00%

Metropolitan Bank and Trust Company

12-Month CD

4.00%

$1,000

Primary Bank

12-Month CD

4.00%

$1,000

Vermont State Bank

18-Month CD

3.92%

$500

Compass Savings Bank

60-Month CD

3.82%

$500

American Bank & Trust Co, Inc.

36-Month CD

3.75%

$1,000

Abbott Laboratories Credit Union

36-Month CD

3.75%

$500

Exchange Bank of Alabama

60-Month CD

3.38%

$1,000

1st Cooperative Federal Credit Union

24-Month CD

3.05%

$500

American National Bank - Fox Cities

Kasasa Checking

3.00%

Manasquan Bank

60-Month CD

3.00%

$500

Bayer Heritage Federal Credit Union

36-Month CD

2.79%

$100

Castroville State Bank

18-Month CD

2.63%

$1,000

FSB of Randolph County

Secure Plus Checking

2.50%

$75,000

CorTrust Bank

Cor Savings

2.50%

$1,000,000

F&M Bank Miamisburg, OH

48-Month CD

2.30%

$1,000

Oakwood Bank Pigeon Falls, WI

36-Month CD

2.27%

$100

Community First Bank of Indiana

12-Month CD

2.25%

$1,000

Fox Valley Savings Bank

48-Month CD

2.20%

$500

National Exchange Bank and Trust

Money Market

2.02%

$250,000

Stryv Bank

24-Month CD

2.02%

$1,000

FLC Bank

Money Market

2.00%

$200,000

Second Federal S&L

Money Market

2.00%

$50,000

Readlyn Savings Bank

36-Month CD

1.85%

$1,000

Washington State Bank Washington, IA

18-Month CD

1.56%

$500

TrustCo Bank

36-Month CD

1.50%

$500

NCS Bank

24-Month CD

1.00%

$1,000

CIBM Bank

60-Month CD

0.85%

$500

1st Bank Yuma

60-Month CD

0.65%

$1,000

Greenstate Credit Union

48-Month CD

0.60%

$500

First National B&T Co. of Bottineau

Super NOW Checking

0.55%

$2,500

Exchange State Bank Ames, IA

Money Market

0.50%

$2,500

First National Bank of Shiner

Money Market

0.40%

$250,000

Volunteer State Bank

Premium Money Market

0.35%

$100

First Horizon

Traditional Savings

0.30%

NVE Bank

60-Month CD

0.26%

$1,000

Wallkill Valley Federal S&L

Statement Savings

0.25%

$10

First National Bank of Steeleville

NOW Checking

0.15%

$250

Milford Bank

24-Month CD

0.15%

$1,000

Charles River Bank

Passbook Savings

0.05%

$10

First Federal S&L Bath

Savings

0.05%

$10

First Southern Bank Florence, AL

Savings

0.05%

$25

Hancock County SB

Statement Savings

0.05%

$100

Y-12 Federal Credit Union

Primary Share Savings

0.05%

The Union Bank Company

3-Month CD

0.03%

$500

First Federal S&L of Van Wert

NOW Checking

0.01%

$500

Disclaimer

Mortgage Rates September 13, 2024

Greenstate Credit Union

15 Year Fixed

4.750%

4.790%

0.000

Farmers State Bank Waterloo, IA

15-Year Fixed

4.875%

4.930%

0.000

Navy Federal Credit Union

15-Year Fixed

4.750%

4.940%

0.250

Nuvision Federal Credit Union

15-Year Fixed

4.750%

5.066%

1.000

One Nevada Credit Union

15 Year Fixed

4.875%

5.074%

1.000

Wells Fargo

15 Year Fixed

4.750%

5.077%

1.000

Institution for Savings

15-Year Fixed

4.750%

5.110%

2.000

Premier Bank Dubuque, IA

15-Year Fixed

5.000%

5.150%

0.000

Citi

15-Year Fixed

5.000%

5.153%

0.875

Peoples Trust Co. of St. Albans

15-Year Fixed

5.125%

5.162%

0.000

American Eagle Financial Credit Union

15-Year Fixed

5.000%

5.165%

0.000

Luana Savings Bank

15-Year Fixed

5.125%

5.174%

0.000

American Bank, N.A. Le Mars, IA

10-Year Fixed

5.000%

5.175%

0.500

Sikorsky Credit Union

15-Year Fixed

5.125%

5.180%

0.000

Freedom Credit Union

15 Year Fixed

5.125%

5.192%

0.000

Pittsford Federal Credit Union

10-Year Fixed

5.125%

5.197%

0.000

NASA Federal Credit Union

15-Year Fixed

5.000%

5.207%

0.000

Genisys Credit Union

10 Year Fixed

5.125%

5.225%

0.735

Ideal Credit Union

7/1 ARM

5.250%

0.000

North Carolina Press Association Federal Credit Union

10 Year Fixed

5.050%

5.267%

0.000

M&T Bank

15-Year Fixed Jumbo

5.000%

5.281%

0.000

Citizens State Bank Cadott, WI

15-Year Fixed

5.000%

5.282%

0.000

1st Northern California Credit Union

7-Year Fixed

4.990%

5.287%

0.500

GTE Federal Credit Union

15 Year Fixed

5.125%

5.293%

0.500

Navy Federal Credit Union

15-Year Fixed Jumbo

5.125%

5.317%

0.250

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%

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

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

Mortgage Interest Rates Decrease and Mortgage Applications Increase: Average Contract Rate on 30 Year Mortgages at 4.78%

The average contract rate on long term mortgages decreased for the week ending January 7, 2011. In the most recent Weekly Mortgage Applications Survey released this morning by the Mortgage Bankers Association, the average contract rate on 30 year mortgages decreased to 4.78 percent. The previous week's mortgage survey had 30 year rates at 4.82 percent. Mortgage discount points on 30 year mortgages decreased to 0.91 points, down from the previous week's average of 1.10 points.

Bank of America Risk Free Certificate of Deposit (CD)

Bank of America is offering a "Risk Free" certificate of deposit (CD) that currently pays a 2.80% APY, the risk free CD allows you to withdrawal your money without paying penalties after the first six days. The minimum opening balance is $5,000 and you might be limited to a maximum of $500,000.

Mortgage Rates Lower as Commodity Prices Plunged Last Week: 30 Year Mortgage Rates at 4.70%

In this week's Mortgage Rate Survey released by MonitorBankRates.com, current 30 year conforming mortgage rates are averaging 4.70% for the week ending May 9, 2011, up from last week's average 30 year mortgage rate of 4.69%. 30 year mortgage rates were as high as 4.92% last week but have retreated following interest rates lower on the plunge in commodity prices. Average 30 year mortgage rate in California are higher than the national average. Today's 30 year rates in California are averaging 4.75%.