What are the current interest rates at Comenity Bank?

Current rates for Comenity Bank include: 12-Month CD: 4.25%, Savings: 3.95%

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Comenity Bank Rates & Review September 2026

Q: How many branches does Comenity Bank operate?

Comenity Bank currently maintains approximately 1 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Q: Is there a first-time homebuyer program?

Currently, Comenity Bank 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.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Comenity Bank provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: September 19, 2026

Comenity Bank's 9-month Retirement CD rates are at 4.30%, 1-year CD rates are at 4.25%, 6-month CD rates are at 4.00%, 3-month CD rates are at 3.90%. Comenity Bank's savings rates are at 3.95%. Comenity Bank's Personal Loan Rates are as low as 7.99%. MonitorBankRates evaluates the financial stability of Comenity Bank with a 4.6 Star Rating, an B Overall Health Grade, and a Texas Ratio of 20.12%. Rates last updated and verified on 09/19/2026.

Comenity Bank 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 Comenity Bank? Share your experience about Comenity Bank by leaving a review below, or read customer reviews before you decide to use Comenity Bank.

Overall Health & Safety Grade

Solid Health Score: 86/100

MonitorBankRates Rating

4.6

Excellent Out of 5.0 Stars

Texas Ratio

20.12%

Good Higher than avg

Health Trend

Improving 12 quarters

Full history ›

Comenity Bank

1 Righter Pkwy
Wilmington, DE 19803

https://savings.breadfinancial.com

Comenity Bank CD Rates

Product	Rate	APY	Term
9-month Retirement CD	-	4.30%	9-month
Min Deposit $1,500 Details At maturity, your CD will automatically renew and earn the base interest rate in effect at that time. A penalty will be imposed for early withdrawals on CDs. Last Updated 09/19/2026 Institution Ratings 4.6 Star Rating B Health Grade ◈ Texas Ratio: 20.12%
1-year CD	-	4.25%	1-year
Min Deposit $1,500 Details At maturity, your CD will automatically renew and earn the base interest rate in effect at that time. A penalty will be imposed for early withdrawals on CDs. Last Updated 09/19/2026 Institution Ratings 4.6 Star Rating B Health Grade ◈ Texas Ratio: 20.12%
6-month CD	-	4.00%	6-month
Min Deposit $1,500 Details At maturity, your CD will automatically renew and earn the base interest rate in effect at that time. A penalty will be imposed for early withdrawals on CDs. Last Updated 09/19/2026 Institution Ratings 4.6 Star Rating B Health Grade ◈ Texas Ratio: 20.12%
3-month CD	-	3.90%	3-month
Min Deposit $1,500 Details At maturity, your CD will automatically renew and earn the base interest rate in effect at that time. A penalty will be imposed for early withdrawals on CDs. Last Updated 09/19/2026 Institution Ratings 4.6 Star Rating B Health Grade ◈ Texas Ratio: 20.12%

Comenity Bank Savings Rates

Product	Rate	APY	View More
High-Yield Savings Account	-	3.95%
Min Deposit $100 Details APY1 The annual percentage yield (APY) lets you know your rate of return for one year, including interest earned. Interest is compounded daily then credited to your account monthly. Deposits are FDIC insured through Comenity Capital Bank with a coverage limit of $250,000 per depositor for each ownership category. APYs are subject to change at any time without notice. Offers apply to personal accounts only. Fees may reduce earnings. Last Updated 09/19/2026 Institution Ratings 4.6 Star Rating B Health Grade ◈ Texas Ratio: 20.12%

Comenity Bank Personal Loan Rates

Product	APR	Term	View More
Fixed Interest Personal Loans	7.99%	24 to 60 months
Details Published APR range: 7.99% to 20.99%. Loans up to $35,000; No application or origination fees; No prepayment fees; Decisions in seconds; Subject to credit approval. Rates range from 7.99% to 20.99% APR. Bread LoansTM are offered only in 24, 36, 48, or 60 month terms. Minimum loan amount is $1,500 and maximum loan amount is $35,000. APRs will vary depending on credit qualifications, loan amount and term. To be eligible, an applicant must not have had an outstanding Bread LoansTM loan within the prior six months. We are unable to consolidate balances from Comenity Bank or Comenity Capital Bank, creditors who are unable to accept payment electronically and require a paper check, or non-U.S. creditor accounts. Your loan amount may only be routed to an account with a US-based financial institution that can be verified by our third-party verification service. Our third-party verification service cannot verify information for all financial institutions. If you continue to get an err Last Updated 09/19/2026 Institution Ratings 4.6 Star Rating B Health Grade ◈ Texas Ratio: 20.12%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Financial Health History

Comenity Bank’s Texas Ratio fell from 21.76% in Q3 2023 to 20.12% in Q2 2026, so its financial health has improved over the past 12 quarters. Over the same period its Star Rating moved from 4.4 to 4.6. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a bank must stay to qualify for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade15% Verified Healthy limit (green zone below = healthy)

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
June 30, 2026	$7.4B	20.12%	4.6	B
March 31, 2026	$7.8B	21.03%	4.5	B
December 31, 2025	$7.8B	22.99%	4.3	B-
September 30, 2025	$7.3B	23.46%	4.3	B-
June 30, 2025	$7.4B	21.54%	4.5	B
March 31, 2025	$7.7B	21.30%	4.5	B
December 31, 2024	$8.1B	24.31%	4.2	B-
September 30, 2024	$7.5B	25.00%	4.2	C+
June 30, 2024	$7.8B	21.25%	4.5	B
March 31, 2024	$8.1B	22.93%	4.3	B-
December 31, 2023	$8.7B	22.54%	4.4	B-
September 30, 2023	$8.2B	21.76%	4.4	B

Source: FDIC call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating: Our rating for Comenity Bank 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 Comenity Bank 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 Comenity Bank's official website for the most current offers and terms.

Bank Profile & Overview

Institution Name Comenity Bank

FDIC Certificate # 27499

Address 1 Righter Pkwy, Wilmington, DE 19803 · New Castle

Website https://savings.breadfinancial.com

Established 19890501

FDIC Insurance Date 19890501

Domestic Offices 1

Total Branches 1

Regulator FDIC

FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

Overall Health Grade Score: 86/100

4.6

Excellent Out of 5.0 Stars

20.12%

Texas Ratio Nat'l avg: 5.85%

Return on Assets (ROA) 4.9603%

Return on Equity (ROE) 36.3700%

Non-Performing Loans (NPL) 2.78%

Total Assets $7,370,991,000

Total Deposits $4,008,565,000

Equity Capital $1,018,454,000

Net Income $189,299,000

Headquarters Wilmington

Total Branches and Offices 1

Source: FDIC | Last Updated 06/30/2026

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Frequently Asked Questions About Comenity Bank

How many branches does Comenity Bank operate?

Comenity Bank 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, Comenity Bank 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, Comenity Bank provides members with tools to manage their accounts and build a solid financial history.

Does Comenity Bank offer online and mobile banking?

Most modern institutions like Comenity Bank 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://savings.breadfinancial.com.