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%

  • Minimum Deposit: $1,500

    • Bread Financial 24-Month CD

  • Rate: 5.15%

  • Minimum Deposit: $1,500

    • Bread Financial 36-Month CD

  • Rate: 4.85%

  • Minimum Deposit: $1,500

    • Bread Financial 48-Month CD

  • Rate: 4.65%

  • Minimum Deposit: $1,500

    • Bread Financial 60-Month CD

  • Rate: 4.65%

  • Minimum Deposit: $1,500

    • Bread Financial Savings Account

  • Rate: 5.15%

  • Minimum Deposit: $100

    • Bread Financial CD Account Disclosures

    Limits

  • Minimum Deposit: $1,500

  • Maximum Deposit: $1,000,000 per account, $10,000,000 per customer

  • FDIC Insured

    • Interest

  • Method: Accrued and compounded daily, credited monthly

  • APY: Fixed for the term, assuming interest remains on deposit

    • Fees

  • Early Withdrawal Penalty: Applies

  • Other Fees: $25 for outgoing wire, $15 for official check, $5 for paper statement

    • Renewal Rates

  • 1-Year CD: 5.65% APY

  • 2-Year CD: 5.20% APY

  • 3-Year CD: 4.90% APY

  • Auto-renewal or 10-day grace period for cash-out without penalty

    • Early Withdrawal Penalty

  • < 12 Months: 90 days' simple interest

  • 12-36 Months: 180 days' simple interest

  • > 36 Months: 365 days' simple interest

    • Special Conditions

  • Penalty waived if account owner passes away or is declared legally incompetent

    • Maturity, Grace Period, and Renewal

  • 10-day grace period post-maturity for penalty-free withdrawal or auto-renewal

  • Rates upon renewal as per then-current rates

    • Special Fees

  • Paper Statement Fee: $5

  • Official Check Fee: $15

  • Outgoing Wire Fee: $25

    • For more details, refer to the account agreement and specific disclosures provided by Bread Financial. Compare other fintech CD rates by using our free rate comparison tool.

     
    Author: Brian McKay
    October 12th, 2023

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