Wealthy PotBread Savings CD Rates (2026)
Consistently high rates at every term (18-month tops out at 4.35%)
By Wealthy Pot · Last updated September 2026
Bread Savings CD rates by term
| Term | APY |
|---|---|
| 6-month | 4.00% |
| 1-year | 4.15% |
| 3-year | 4.25% |
| 5-year | 4.25% |
Who Bread Savings CDs are for
Savers who can meet a $1,500 minimum for strong rates across all terms
Rates, minimum & penalties
Bread Savings requires a $1,500 minimum deposit to open a CD. The early-withdrawal penalty is 90 days interest (<1 yr); 180 days (1–3 yr); 365 days (4 yr+). Bread Savings does not offer a no-penalty CD, so plan to keep the money locked for the full term. FDIC-insured (Comenity Capital Bank). CD APYs are fixed once you open but change for new CDs frequently, confirm the current rate on the official site.
The bottom line
Consistently high rates at every term (18-month tops out at 4.35%) Main drawback: a $1,500 minimum; no no-penalty cd option.
See how Bread Savings stacks up in our best CD rates comparison, or compare liquid options in our high-yield savings guide.
We summarize each bank's published CD terms, not user reviews. CD APYs are fixed for the term but reprice for new CDs often; figures are re-checked against each bank's official page. CDs are FDIC-insured to legal limits. Some outbound links may be affiliate links — that never affects which banks we include or how we rate them. Nothing here is financial advice.