When your kids are ready to go off to college, or you're ready to start your retirement adventures, your savings will be waiting. Bread Savings deposits grow at top market-rate1 speeds to maximize every moment they help fund.
| Product | Annual percentage yield2 |
Interest rate |
|---|---|---|
| High-yield savings |
5.15% | 5.02% |
| 1-year CD | 5.55% | 5.40% |
| 2-year CD | 5.00% | 4.88% |
| 3-year CD | 4.90% | 4.78% |
| 4-year CD | 4.50% | 4.40% |
| 5-year CD | 4.50% | 4.40% |
Each account you open is considered new during the first 30 days after you open it. Funds will generally be available for new accounts on the 10th business day, unless an exception applies.
CD Renewal Rates6
We appreciate our loyal customers, and to show our gratitude we offer an even higher renewal rate for 1,2, and 3 year Certificate of Deposit (CD) customers. You don't have to do anything to get these rates when you let your CD automatically renew.
| Product | Annual percentage yield2 |
Interest rate |
|---|---|---|
| Renewed 1-year CD | 5.60% | 5.45% |
| Renewed 2-year CD | 5.05% | 4.93% |
| Renewed 3-year CD | 4.95% | 4.83% |
Special fees
There are 3 fees that we will charge you in the special circumstances described below.
| Types of fees | When it applies | Amount/ frequency |
|---|---|---|
| Paper statement request |
When you request that we mail you a copy of your account statement | $5 per request |
| Official check request |
When you request a withdrawal from your account by official check | $15 per request |
| Outgoing wire | When you request a wire transfer from your account | $25 per request |