Comenity Capital Bank
Bread Savings CD Review 2026
Updated October 10, 2026
4.45% APY on a 1-year CD — the highest 12-month rate we verified, with a $1,500 minimum.
Quick answer
Bread Savings' 1-year CD paid 4.45% APY on October 10, 2026 — the highest 12-month rate among the six open CDs in this guide — and its 18 months CD paid 4.75%. Every term requires a $1,500 minimum deposit. CDs are issued by Comenity Capital Bank, Member FDIC.
Who Bread Savings CD is best for
Savers with at least $1,500 to lock who do not need a no-penalty option.
At a glance
- 1-year APY
- 4.45%
- Minimum deposit
- $1,500
- Terms available
- 3 months–5 years
- FDIC
- Insured
12-month term, read at breadfinancial.com on October 10, 2026; the bank dates its rates October 10, 2026
Required to open any Bread Savings CD; maximum $1 million per account
Highest: 18 months at 4.75%
Comenity Capital Bank — $250K coverage
Pros
- +Highest 12-month APY among the six open CDs in this guide when we checked (4.45%)
- +18 months term at 4.75% APY — the highest rate on any term we read for this guide
- +Nine terms from 3 months to 5 years
- +No monthly maintenance fee
- +FDIC-insured through Comenity Capital Bank, a Bread Financial company
Cons
- −$1,500 minimum deposit — the highest in this guide
- −Early-withdrawal penalty: 90 days of simple interest on terms shorter than 1 year, 180 days on terms of 12 months to 3 years, and 365 days on terms of 4 years and up
- −No no-penalty or rate-increase CD on the Bread Savings CD page we read
Bread Savings CD requirements
- US citizen or resident alien with a Social Security number
- At least 18 years old
- $1,500 minimum opening deposit
Bread Savings CD rates & fees
Bread Savings' 1-year CD paid 4.45% APY when we read breadfinancial.com on October 10, 2026 (rates dated October 10, 2026), and its 18 months CD paid 4.75%. Terms range from 3 months to 5 years, each with a $1,500 minimum. There is no monthly maintenance fee. Verify the current rate before opening.
Rates & fees last verified at the issuer on 2026-10-10. Always confirm current terms before applying.
◆ ClearValue platform data
How Bread Savings' 12-month CD compares with the FDIC national average
The FDIC's national average for a 12-month CD was 1.73% as of September 21, 2026 (FDIC National Rates and Rate Caps). Bread Savings' 12-month CD paid 4.45% APY when we read breadfinancial.com on October 10, 2026 — about 2.6x the national average.
On a $10,000 deposit held for 12 months, 4.45% APY earns $445 in interest and the national average earns $173 — a difference of $272. Among the six CDs in this guide that are open to new customers, Bread Savings' 12-month APY ranked first (the range was 4.00%–4.45%). Its $1,500 minimum is also the highest of the six; the next-highest 12-month rate, Marcus at 4.40%, takes $500 to open.
Primary sources: FDIC National Rates and Rate Caps
The 1.73% figure is the FDIC's national average across insured institutions, not a Bread Savings quote. Bread Savings' APY is the one its site showed on October 10, 2026 (the bank dates its rates October 10, 2026). A CD's rate is fixed only once the account is opened and funded, so confirm it at breadfinancial.com first.
Bread Savings CD alternatives
Top alternatives worth comparing from Best CD Rates 2026.
Goldman Sachs Bank USA
Marcus by Goldman Sachs High-Yield CD
4.40% on a 12-month CD with a lower $500 minimum, plus a no-penalty CD
Synchrony Bank
Synchrony Bank CD
4.20% on a 12-month CD with no minimum deposit
First-Citizens Bank & Trust Company
CIT Bank Term CD
3.90% on an 11-month no-penalty CD with a $1,000 minimum
Ready to apply?
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Apply at Comenity Capital Bank→Guide last updated October 10, 2026
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 4.2 / 5 on the ClearValue Rating — a deterministic editorial composite from the product's own published fees, terms, and eligibility. Best for: Savers with at least $1,500 to lock who do not need a no-penalty option.
◆ 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 savings brand of Comenity Capital Bank, a Utah state-chartered bank and Member FDIC that describes itself as a Bread Financial company. Bread Savings CDs are FDIC-insured through Comenity Capital Bank up to $250,000 per depositor for each ownership category. Verify the FDIC status of Comenity Capital Bank at fdic.gov. Current CD APYs and terms are published at breadfinancial.com.
What is the early-withdrawal penalty on a Bread Savings CD?+
Bread Savings charges 90 days of simple interest on terms shorter than 1 year, 180 days on terms of 12 months to 3 years, and 365 days on terms of 4 years and up. At maturity there is a 10-day grace period in which you can withdraw the funds or close the account without a penalty; otherwise the CD renews automatically.
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 (Bread Savings) and may change — verify current terms at breadfinancial.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.