Synchrony Bank vs. Bread Savings CD Rates — October 2026
Bread Savings pays more at 8 of the 9 standard terms both offer; Synchrony Bank pays more at 1. The highest rate in this comparison is 4.85% APY on Bread Savings's 18-month CD, verified October 26, 2026.
Synchrony Bank vs. Bread Savings: CD rates by term
Each cell is that institution's highest fresh quote for the exact term, across the locations we check. Relationship rates that need another account are left out. Bold marks the higher APY.
| Term | Synchrony Bank | Bread Savings | Difference |
|---|---|---|---|
| 3-month | 0.25%Not stated min · Standard | 3.95%$1,500 min · Standard | Bread Savings +3.70% |
| 6-month | 4.10%Not stated min · Standard | 4.05%$1,500 min · Standard | Synchrony Bank +0.05% |
| 9-month | 4.15%Not stated min · Standard | 4.40%$1,500 min · Standard | Bread Savings +0.25% |
| 11-month | 0.25%Not stated min · Standard | —Not offered or not tracked | — |
| 1-year | 4.20%Not stated min · Standard | 4.45%$1,500 min · Standard | Bread Savings +0.25% |
| 18-month | 4.35%Not stated min · Standard | 4.85%$1,500 min · Standard | Bread Savings +0.50% |
| 2-year | 4.35%Not stated min · Standard | 4.55%$1,500 min · Standard | Bread Savings +0.20% |
| 3-year | 4.40%Not stated min · Standard | 4.60%$1,500 min · Standard | Bread Savings +0.20% |
| 4-year | 4.40%Not stated min · Standard | 4.65%$1,500 min · Standard | Bread Savings +0.25% |
| 5-year | 4.50%Not stated min · Standard | 4.70%$1,500 min · Standard | Bread Savings +0.20% |
Other differences
| Synchrony Bank | Bread Savings | |
|---|---|---|
| Insurance | FDIC-insured bank (FDIC 27314) | FDIC-insured bank (FDIC 57570) |
| Lowest minimum (tracked) | Not stated | $1,500 |
| Standard terms tracked | 10 | 9 |
| No-penalty CD | Yes | None tracked |
| Prices vary by ZIP | No | No |
Membership, new-money and product conditions are not compared here. See each institution's page for opening requirements, early withdrawal penalties and rate history: Synchrony Bank CD rates · Bread Savings CD rates.
Common questions
Which has better CD rates, Synchrony Bank or Bread Savings?
Bread Savings pays more at 8 of the 9 standard terms both offer; Synchrony Bank pays more at 1. The highest rate in this comparison is 4.85% APY on Bread Savings's 18-month CD, verified October 26, 2026.
Which has a lower CD minimum deposit, Synchrony Bank or Bread Savings?
We could not compare: Synchrony Bank does not state a minimum on the rates we track.
Are Synchrony Bank and Bread Savings CDs insured?
Synchrony Bank is an FDIC-insured bank (FDIC 27314) and Bread Savings is an FDIC-insured bank (FDIC 57570). Deposits are insured up to $250,000 per depositor, per institution, per ownership category, so splitting a large deposit between the two can raise total coverage.
How current is this comparison?
Both institutions' rate pages are checked daily. Every quote here was verified within the last seven days; the latest on October 26, 2026.