Comenity Capital Bank
Bread Savings CD Review 2026
Updated August 25, 2026
Among the highest short-term APYs — consistent rate-leader positioning.
Who Bread Savings CD is best for
APY-maximizers who have $1,500 to lock and want one of the strongest short-to-mid-term rates.
At a glance
- 1-year APY
- ~4.25%
- Minimum deposit
- $1,500
- Terms available
- 1–5 years
- FDIC
- Insured
Verified via bankrate.com CD rate survey, Aug 18 2026 — down from ~5.00%+ in Jun 2026; confirm at breadsavings.com before opening
Required to open any Bread Savings CD
Multiple term options
Comenity Capital Bank — $250K coverage
Pros
- +Consistently among the top published APYs in the 1-year CD category
- +Clean online application process
- +No monthly maintenance fees on CDs
- +FDIC-insured via Comenity Capital Bank (Ally Financial subsidiary)
Cons
- −$1,500 minimum deposit (higher than Ally, Synchrony, Capital One)
- −Smaller brand — less consumer visibility than Marcus or Ally
- −No no-penalty or bump-up CD option as of Jun 2026
- −No companion checking or debit product
Bread Savings CD requirements
- US resident with SSN
- At least 18 years old
- $1,500 minimum opening deposit
Bread Savings CD rates & fees
Bread Savings CDs were offering approximately 4.25% APY on 1-year terms as of August 18, 2026 — down from ~5.00%+ in June 2026, but still among the highest in the category. Terms range from 1 to 5 years. There are no monthly maintenance fees. Verify the current rate at breadsavings.com before opening.
Rates & fees last verified at the issuer on 2026-08-25. Always confirm current terms before applying.
Bread Savings CD alternatives
Top alternatives worth comparing from Best CD Rates 2026.
Goldman Sachs Bank USA
Marcus by Goldman Sachs High-Yield CD
Better if you want a no-penalty option or a lower $500 minimum
First-Citizens Bank & Trust Company
CIT Bank Term CD
Better if you want a no-penalty option at a similar APY level
Synchrony Bank
Synchrony Bank CD
Better if you want a $0 minimum or a bump-up rate CD
Ready to apply?
Application takes minutes. Pre-qualification (where available) uses a soft credit pull with no impact to your credit score.
Apply at Comenity Capital Bank→Last verified at the issuer on 2026-08-25
The full lineup
See all picks in Best CD Rates 2026
Editorial methodology + complete ranking criteria + side-by-side comparison of all picks.
Read the full guide →Bottom line
Bread Savings CD scores 3.9 / 5 on the ClearValue Rating — a deterministic editorial composite from the product's own published fees, terms, and eligibility. Best for: APY-maximizers who have $1,500 to lock and want one of the strongest short-to-mid-term rates.
◆ How we scored it
The ClearValue Rating, broken down.
- Cost
- 35%
- Fit & approval odds
- 30%
- Speed & terms
- 20%
- Transparency
- 15%
Cost (35%), Fit & approval odds (30%), Speed & terms (20%), Transparency (15%) — scored consistently across every product, independent of compensation. Full methodology →
Frequently asked
Questions about Bread Savings CD
What is Bread Savings and who issues the CD?+
Bread Savings is the online-banking brand of Comenity Capital Bank, which is a subsidiary of Ally Financial. Bread Savings CDs are FDIC-insured through Comenity Capital Bank (separate FDIC certificate from Ally Bank — if you hold CDs at both Ally Bank and Bread Savings, each bank provides its own $250K FDIC coverage per ownership category). Verify the FDIC status of Comenity Capital Bank at fdic.gov. Current CD APYs and terms are published at breadsavings.com.
Is ClearValue Lending a bank or CD issuer?+
No. ClearValue Lending is not a bank, CD issuer, lender, or financial advisor. This review presents publicly available editorial information about Bread Savings CDs. CDs are issued and operated by Comenity Capital Bank (Bread Savings). APYs, terms, fees, and eligibility are determined solely by Comenity Capital Bank and may change — verify current terms at breadsavings.com before opening.
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Independent editorial review. ClearValue Lending is a business & personal financing platform — not a lender, broker, or financial advisor. Some links are affiliate links; the issuer may pay a referral commission at no cost to you, which never changes the score. Specific product terms vary; verify with the issuer before applying. See privacy policy.