Bread Savings CD Rates — October 2026
As of October 22, 2026, Bread Savings's highest tracked CD rate is 4.85% APY on an 18-month CD ($1,500 minimum). That is 3.1 times the FDIC national average for 24-month CDs (1.55%). Standard CD rates range from 3.95% to 4.85% APY.
Tracking began .
Bread Savings CD rates
Available online to U.S. residents in every state. Bread Savings is the deposit brand of Comenity Capital Bank. Online CDs from 3 months to 5 years with a $1,500 minimum to open. Early withdrawal penalties apply.
| Term | Product | APY | vs. Treasury | Source | |
|---|---|---|---|---|---|
| 3 months | Bread Savings CD | $1,500 | 3.95% | −0.34% | Top 8% of tracked 3-month CDs · Verified October 22, 2026 |
| 6 months | Bread Savings CD | $1,500 | 4.05% | −0.35% | Top 11% of tracked 6-month CDs · Verified October 22, 2026 |
| 9 months | Bread Savings CD | $1,500 | 4.40% | −0.08% | Top 3% of tracked 9-month CDs · Verified October 22, 2026 |
| 12 months | Bread Savings CD | $1,500 | 4.45% | −0.12% | Top 6% of tracked 12-month CDs · Verified October 22, 2026 |
| 18 months | Bread Savings CD | $1,500 | 4.85% | +0.13% | Top 1% of tracked 18-month CDs · Verified October 22, 2026 |
| 24 months | Bread Savings CD | $1,500 | 4.55% | −0.32% | Top 2% of tracked 24-month CDs · Verified October 22, 2026 |
| 36 months | Bread Savings CD | $1,500 | 4.60% | −0.35% | Top 3% of tracked 36-month CDs · Verified October 22, 2026 |
| 48 months | Bread Savings CD | $1,500 | 4.65% | −0.33% | Top 2% of tracked 48-month CDs · Verified October 22, 2026 |
| 60 months | Bread Savings CD | $1,500 | 4.70% | −0.31% | Top 3% of tracked 60-month CDs · Verified October 22, 2026 |
APY = annual percentage yield. "vs. Treasury" compares each APY with the Treasury yield for the same term on 2026-10-21 (converted to APY). Treasury interest is exempt from state income tax; see the T-bill vs. CD calculator.
What are Bread Savings's best CD rates by term?
Bread Savings's best rate is 4.85% APY on 18 months, verified October 22, 2026.
- 3 mo3.95%
- 6 mo4.05%
- 9 mo4.40%
- 12 mo4.45%
- 18 mo4.85%
- 24 mo4.55%
- 36 mo4.60%
- 48 mo4.65%
- 60 mo4.70%
How much interest could a Bread Savings CD earn?
Estimated interest at maturity for the displayed institution quotes, before tax or early withdrawal penalties. Each estimate assumes the quoted APY applies to that balance and interest stays deposited. Estimates use known deposit tiers. Upper balance limits and membership, relationship or new-money requirements must be confirmed with the institution; these are conditional estimates, not personalized offers.
$736.95 interest · $10,736.95 at maturity on $10,000.00.
4.85% APY · 18 months · Bread Savings CD · Standard · verified October 22, 2026.
Before tax; interest remains deposited. Confirm all product conditions. Estimate one-year purchasing power.
| Term | $5,000 | $10,000 | $25,000 | $50,000 |
|---|---|---|---|---|
| 3 months | $48.533.95% APY · Bread Savings CD · Standard | $97.053.95% APY · Bread Savings CD · Standard | $242.633.95% APY · Bread Savings CD · Standard | $485.263.95% APY · Bread Savings CD · Standard |
| 6 months | $100.524.05% APY · Bread Savings CD · Standard | $201.044.05% APY · Bread Savings CD · Standard | $502.614.05% APY · Bread Savings CD · Standard | $1,005.224.05% APY · Bread Savings CD · Standard |
| 9 months | $164.264.40% APY · Bread Savings CD · Standard | $328.524.40% APY · Bread Savings CD · Standard | $821.314.40% APY · Bread Savings CD · Standard | $1,642.614.40% APY · Bread Savings CD · Standard |
| 12 months | $222.504.45% APY · Bread Savings CD · Standard | $445.004.45% APY · Bread Savings CD · Standard | $1,112.504.45% APY · Bread Savings CD · Standard | $2,225.004.45% APY · Bread Savings CD · Standard |
| 18 months | $368.474.85% APY · Bread Savings CD · Standard | $736.954.85% APY · Bread Savings CD · Standard | $1,842.374.85% APY · Bread Savings CD · Standard | $3,684.744.85% APY · Bread Savings CD · Standard |
| 24 months | $465.354.55% APY · Bread Savings CD · Standard | $930.704.55% APY · Bread Savings CD · Standard | $2,326.764.55% APY · Bread Savings CD · Standard | $4,653.514.55% APY · Bread Savings CD · Standard |
| 36 months | $722.234.60% APY · Bread Savings CD · Standard | $1,444.454.60% APY · Bread Savings CD · Standard | $3,611.134.60% APY · Bread Savings CD · Standard | $7,222.274.60% APY · Bread Savings CD · Standard |
| 48 months | $996.904.65% APY · Bread Savings CD · Standard | $1,993.804.65% APY · Bread Savings CD · Standard | $4,984.514.65% APY · Bread Savings CD · Standard | $9,969.024.65% APY · Bread Savings CD · Standard |
| 60 months | $1,290.764.70% APY · Bread Savings CD · Standard | $2,581.534.70% APY · Bread Savings CD · Standard | $6,453.824.70% APY · Bread Savings CD · Standard | $12,907.644.70% APY · Bread Savings CD · Standard |
How Bread Savings compares
Compare the displayed terms, minimums and quote locations. Membership, relationship and new-money conditions may apply. Institution quotes below use the exact 548-day term. Regional peers quote a shared operating state; nationwide best is limited to our tracked sample.
This quote ranks 2 of 331 tracked institutions with fresh 548-day quotes (ties share a rank). Each other institution contributes its highest APY for that exact term; minimums and eligibility can differ.
| Institution / benchmark | Term | Minimum | Who can open | APY | Verified / source date |
|---|---|---|---|---|---|
| Bread Savings (this institution)Bread Savings CD · Standard | 18 months | $1,500 | Available nationwide | 4.85% | October 22, 2026 |
| Kirtland Federal Credit Union (highest tracked APY for this term)18-Month Limited-Time Share Certificate · Promotional | 18 months | $500 | Membership required · branches in NM | 5.12% | October 22, 2026 |
| Popular DirectCD · Standard | 18 months | $10,000 | Available nationwide | 4.75% | October 22, 2026 |
| Educational Systems Federal Credit UnionStar Member Jumbo Certificate · Relationship | 18 months | $100,000 | Membership required · branches in MD | 4.65% | October 22, 2026 |
| Treasury (APY-equivalent) | 18 months (term-matched estimate) | Depends on purchase method | Federal; interest exempt from state income tax | 4.72% | 2026-10-21 |
Rate changes
See changes across all tracked institutions
No changes since we started tracking Bread Savings on October 22, 2026.
About Bread Savings
- Legal name
- Comenity Capital Bank
- Regulator ID
- FDIC 57570
- Headquarters
- Draper, UT
- Available in
- All states (online)
- Total assets
- $13.9 billion
- Also known as
- Bread Financial, Comenity Capital Bank, Comenity Bank
- Website
- www.breadfinancial.com
Source: rates read from https://www.breadfinancial.com/en/bread-savings/certificates-of-deposit.html. See the page text we read.
Frequently asked questions
What is the highest CD rate at Bread Savings?
Among the rates we track, 4.85% APY on an 18-month CD, as of October 22, 2026.
What is the minimum deposit for a Bread Savings CD?
The lowest minimum we found is $1,500.
How does Bread Savings's best CD rate compare with Treasury yields?
4.85% APY is +0.13% versus the 18-month Treasury yield of 4.72% (APY-equivalent) on 2026-10-21. Treasury interest is also exempt from state income tax.
Is 4.85% a good CD rate?
It is 3.1 times the FDIC national average for a similar term (1.55% as of 2026-10-19), which is a deposit-weighted average across all U.S. banks and credit unions. Online banks and promotional CDs often pay several times the national average.
Are Bread Savings CDs insured?
Bread Savings is an FDIC-insured bank (FDIC 57570). Deposits are insured up to $250,000 per depositor, per ownership category.
How often is this page updated?
We check Bread Savings's rate page every day. The rates above were last verified on October 22, 2026.
More bank CD rates
Rates are copied from Bread Savings's website and may change at any time. Confirm terms, minimums and eligibility with Bread Savings before opening an account. This page is not financial advice.