Account rates & fees

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.

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.

Special fees

There are 3 fees that we will charge you in the special circumstances described below.