Bread Savings CD Review 2026

Name: Bread Savings CD
Brand: Comenity Capital Bank

Among the highest short-term APYs — consistent rate-leader positioning.

Get started at Comenity Capital Bank → Pre-qualify (where available) with a soft credit pull — no score impact.

ClearValue Rating: 3.9 / 5 — our editorial assessment (how we rate)

Editorial3.6

Cost4.0

Value4.3

Access3.8

Editorial confidence (30%), cost (25%), value (25%), accessibility (20%) — scored consistently across every product, independent of compensation.

At a glance

1-year APY: ~5.00%+ (Among the highest in category, verified at breadsavings.com, Jun 2026)
Minimum deposit: $1,500 (Required to open any Bread Savings CD)
Terms available: 1–5 years (Multiple term options)
FDIC: Insured (Comenity Capital Bank — $250K coverage)

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.

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

Residency: U.S. resident with a valid SSN

Age: At least 18 years old

Minimum deposit: $1,500 required to open any Bread Savings CD

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 5.00%+ APY on 1-year terms as of June 2026 — 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.

Bread Savings CD alternatives

Marcus by Goldman Sachs High-Yield CD (Goldman Sachs Bank USA) — Better if you want a no-penalty option or a lower $500 minimum
Read review Get started at Goldman Sachs Bank USA →

CIT Bank Term CD (First-Citizens Bank & Trust Company) — Better if you want a no-penalty option at a similar APY level
Read review Get started at First-Citizens Bank & Trust Company →

Synchrony Bank CD (Synchrony Bank) — Better if you want a $0 minimum or a bump-up rate CD
Read review Get started at Synchrony Bank →

Bottom line

Bread Savings CD — Among the highest short-term APYs — consistent rate-leader positioning. Best for: APY-maximizers who have $1,500 to lock and want one of the strongest short-to-mid-term rates.. Compare it against alternatives before applying; the right fit depends on your situation, credit, and goals.

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.

How we rate

Every pick gets a 1–5 ClearValue Rating computed from four weighted factors: Editorial confidence (30%), Cost (25%), Value (25%), and Accessibility (20%).

Scored consistently across every product and independent of any compensation. Full methodology →

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Editorial disclaimer & disclosure

Not financial advice. ClearValue Lending is a business & personal financing platform — not a bank, card issuer, lender, or financial advisor. This review is independent editorial content presenting publicly available information about Bread Savings CD. Nothing on this page is a recommendation to apply for, purchase, or open this product, nor is it individualized financial or credit advice.

How we rate. Every factual claim in this review is attributed to a named source: J.D. Power satisfaction studies, CFPB consumer data, FDIC deposit insurance data, Federal Reserve / FRED rate benchmarks, or official issuer disclosures. Ratings reflect editorial opinion grounded in that data — applied consistently and independent of compensation. Full review methodology →

Affiliate disclosure. Some links on this page are affiliate links — if you apply for or open an account through them, the issuer may pay ClearValue Lending a commission at no cost to you. This does not affect our editorial ratings or rankings.

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