Bread Financial Savings Account and CD Rates
Latest rate data:
Savings Accounts
Bread Financial
Savings account · FDIC
4.05%
APY
Minimum balance
$0
Opening deposit
$100
Account details & sources
Rate observed
Oct 16
Observed change
+0.10 pp
Rate history
Last observed APY 4.05% on Oct 16, 2026; up 0.10 percentage points since Jul 16, 2026.
Certificates of Deposit
Compare CD earnings
Compare earnings for the same term
Term
Estimated interest at maturity, before tax, with interest reinvested and no early withdrawal. Check minimums, membership, promotional eligibility, fees and penalties separately.
| Provider | APY | Est. interest | Rate date |
|---|---|---|---|
| Bread FinancialThis institution | 4.45% | $445.00 | 2026-10-16 |
| Popular Direct | 4.50% | $450.00 | 2026-10-16 |
| ValorFI Heroes | 4.50% | $450.00 | 2026-10-16 |
| Marcus | 4.40% | $440.00 | 2026-10-16 |
How this estimate works
Deposit × ((1 + APY / 100)^(months / 12) − 1). Only the same term is compared. This illustration does not check whether you qualify, and provider availability can differ.