# Bread Savings CD rates

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.

Canonical page: https://apyledger.com/cd-rates/bread-savings
Institution: Comenity Capital Bank (FDIC 57570)
Aliases: Bread Financial, Comenity Capital Bank, Comenity Bank
Status: live
Last verified: 2026-10-23T03:50:02.000Z (October 22, 2026)
Official source: https://www.breadfinancial.com/en/bread-savings/certificates-of-deposit.html
Coverage: 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.
Treasury comparison date: 2026-10-21. Premiums are percentage points versus the same-term APY-equivalent Treasury yield.

| Product | Kind | Term | Minimum deposit | APY | Quoted location | vs. Treasury | Verified (UTC) | Source snapshot |
| --- | --- | --- | --- | --- | --- | --- | --- | --- |
| Bread Savings CD | standard | 3 months | $1,500 | 3.95% | Not ZIP-priced | −0.34% | 2026-10-23T03:50:02.000Z | [Snapshot 976](https://apyledger.com/snapshots/976) |
| Bread Savings CD | standard | 6 months | $1,500 | 4.05% | Not ZIP-priced | −0.35% | 2026-10-23T03:50:02.000Z | [Snapshot 976](https://apyledger.com/snapshots/976) |
| Bread Savings CD | standard | 9 months | $1,500 | 4.40% | Not ZIP-priced | −0.08% | 2026-10-23T03:50:02.000Z | [Snapshot 976](https://apyledger.com/snapshots/976) |
| Bread Savings CD | standard | 12 months | $1,500 | 4.45% | Not ZIP-priced | −0.12% | 2026-10-23T03:50:02.000Z | [Snapshot 976](https://apyledger.com/snapshots/976) |
| Bread Savings CD | standard | 18 months | $1,500 | 4.85% | Not ZIP-priced | +0.13% | 2026-10-23T03:50:02.000Z | [Snapshot 976](https://apyledger.com/snapshots/976) |
| Bread Savings CD | standard | 24 months | $1,500 | 4.55% | Not ZIP-priced | −0.32% | 2026-10-23T03:50:02.000Z | [Snapshot 976](https://apyledger.com/snapshots/976) |
| Bread Savings CD | standard | 36 months | $1,500 | 4.60% | Not ZIP-priced | −0.35% | 2026-10-23T03:50:02.000Z | [Snapshot 976](https://apyledger.com/snapshots/976) |
| Bread Savings CD | standard | 48 months | $1,500 | 4.65% | Not ZIP-priced | −0.33% | 2026-10-23T03:50:02.000Z | [Snapshot 976](https://apyledger.com/snapshots/976) |
| Bread Savings CD | standard | 60 months | $1,500 | 4.70% | Not ZIP-priced | −0.31% | 2026-10-23T03:50:02.000Z | [Snapshot 976](https://apyledger.com/snapshots/976) |

Rates and eligibility can change. ZIP-specific quotes must not be treated as statewide or nationwide offers. Confirm terms with the institution before opening an account. This is not financial advice.