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Bread Savings CD Rates: June 2025

An easy-to-understand set of CDs offering♈ high interest rates helps Bread Savings toast the competition

By

澳洲幸运5开奖号码历史查询:Lindsay VanSomeren

Updated May 29, 2025

financial advisor meeting with client about CD rates — Hero Images Inc / Getty Images

Bread Savings may have a bit of a bland name, but it offers some pretty exciting CD options with rates of up to 4.35% if you’re looking to maximize your earnings. Bread Savings CD rates are some of 澳洲幸运5开奖号码历史查询:the best CD rates being offered by any bank, as of publication.

As with any bank, there are limitations. Bread Savings CDs are a good choice if you have at least $1,500 you can part ways with temporarily, to be reunited with later (and with a good bit of interest, too).

Bread Savings CD Account Overview
CD Term	APY	Minimum Deposit
3 months	3.80%	$1,500
6 months	4.35%	$1,500
9 months	3.80%	$1,500
1 year	4.00%	$1,500
1.5 years	3.80%	$1,500
2 years	4.00%	$1,500
3 years	4.00%	$1,500
4 years	4.00%	$1,500
5 years	4.00%	$1,500

Compare Bread Savings CD Rates

Bread savings does offer fairly competitive rates on its CDs, but by comparing the terms and returns of several CDs, you can determine which one best suits your needs.

Bread Savings CDs: Key Features

Bread Savings CDs: Key Features
APY Range	3.80%–4.35%
Minimum Deposit	$1,500
Term Range	1–5 years
Early Withdrawal Penalty	180 days' interest for 1-, 2-, or 3-year CDs; 365 days' interest for 4- and 5-year CDs

Bread Savings offers a simple yet valu𓄧able range of CDs. Instead of giving you a case of analysis paralysis with lots of different offerings and conditions, Bread makes it easy to make a decision: You get a choice of five different CD options, at one-year intervals. The rates offered on these CDs are especially good—even for the shorter-term options—compared with most other banks and credit unio♔ns.

One downside of these CDs is the minimum deposit requirement of $1,500 per CD. Many banks charge higher amounts, to be sure, but there also are numerous 澳洲幸运5开奖号码历史查询:other CDs available with similar rates but lower minimum depos🉐it requirements. Bread Savings' minimum deposit requirement is in the range of what most institutions require, so only those with at least $1,500 can access these CDs.

Pros and Cons of Bread Savings

Pros

Competitive interest rates
Several choices

Cons

Minimum deposit requirement
Limited options

Pros Explained

Competitive interest rates: The rates offered on these CDs are especially good—even for the shorter-term options—compared with most other banks and credit unions.
Several choices: Bread offers CDs with several terms in one-year increments, up to five years.

Cons Explained

Minimum deposit: These CDs have a minimum deposit requirement of $1,500 per CD. Many banks charge higher amounts, to be sure, but there also are numerous 澳洲幸运5开奖号码历史查询:other CDs available with similar rates but lower minimum deposit requirements.
Limited options: While Bread Savings does offer several term options, you can only get them in one-year increments, not less than 1 year.

About Bread Savings

Bread Savings is an online-only financial institution specializing in 澳洲幸运5开奖号码历史查询:high-yield savings accounts and CDs. If you’ve ever heard of Comenity Bank, the issuer of many popular retail store credit cards, you may be familiar with Bread Savings. A division of the company rebranded in March 2022, switching things up to offer more customer-friendly savings accounts into the mix—such as these high-yield CD accounts.

Bread Savings does have a maximum deposit limit of $1,000,000 per CD, and $10,000,000 per customer. However, we don’t recommend keeping more than $250,000 in the account because unlike some other banks, Bread Savings doesn’t offer a CDARS or ICS program that spreads your larger balances out among banks in order to keep the same 澳洲幸运5开奖号码历史查询:FDIC protection on a larger balance of money.

Tip

Bread Savings isn’t a full-service bank with a 澳洲幸运5开奖号码历史查询:checking account, so it’s also a good choice if you’re looking to keep your sav🔯ings a bit more separ🍌ated from your everyday bank accounts.

Alternatives to Bread Savings CDs

High-yield savings accounts: If you’re willing to open an online savings account elsewhere, you may be able to earn higher rates than what Bread Savings CDs offer. See the best high-yield savings account rates to compare how much you could earn.
High-yield checking accounts: You may find relatively high rates with some checking accounts. Be aware of their requirements and limits. The 澳洲幸运5开♒奖号码历史查询:best high-interest checking accounts give you easy access to your money.
Certificates of deposit (CDs): Bread Savings has some competitive 澳洲幸运5开奖号码历史查询:rates on its CDs. You can also choose from a range of 澳洲幸运5开奖号码历史查询:ᩚᩚᩚᩚᩚᩚ⁤⁤⁤⁤ᩚ⁤⁤⁤⁤ᩚ⁤⁤⁤⁤ᩚ𒀱ᩚᩚᩚCDs from other fi𒁏nancial institutions.
Money market account: Money market account can also provide a return on your savings. Check the 澳洲幸运5开奖号码历史查询:best money market account rates to see how it compares.
Treasury securities: These government-backed bills, notes, and bonds sometimes offer even higher rates than CDs and may be more liquid.

Frequently Asked Questions (FAQs)

Do CDs at Bread Savings Auto-Renew?

Yes. When your Bread Savings 澳洲幸运5开奖号码历史查询:CD matures and its term ends, it’ll auto-renew for another term. When it renews, it’ll do so at the then-current rates, not necessarily at the rates you were earning during your prior term. You will have a 10-day grace period when you can withdraw the money penalty-free if you want to use it.

What Is the Minimum Deposit to Open a CD Account at Bread Savings?

Bread Savings requires a minimum $1,500 deposit for its CDs. 澳洲幸运5开奖号码历史查询:Many options for CDs these days ha💜ve lower minimum deposit requirements, but $1,500 is in the range of what commonly is required.

Can You Ladder CDs at Bread Savings?

Yes, you can create a 澳洲幸运5开奖号码历史查询:CD ladder with CDs from Bread Savings. ✃It even offers a handy on its website that can help you plan out a good CD ladder strategy given how much you have to invest, letting you know how much youꦓ can expect to earn in return.

Is There an Early Withdrawal Penalty for CDs at Bread Savings?

Yes, Bread charges early withdrawal penalties. If you withdraw your money early from a CD with a term shorter than one year, you’ll pay a penalty of 90 days worth of interest; for a one-, two-, or three-year CD, you’ll pay an 澳洲幸运5开奖号码历史查询:early withdrawal penalty of 180 days’ worth of interest. And for terms of four years and up, you’ll pay an early withdrawal penalty of 365 days’ worth of interest.

Your Guide to CDs

Article Sources

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