You have places to go and money to grow, which is why we make opening a Bread Savings Certificate of Deposit (CD) so simple. We offer highly competitive rates,1 and opening an account only takes a few minutes. Then, when your CD matures, you’ll have more money to reinvest or to spend toward your best life.
| Term | 1-year CD | 2-year CD | 3-year CD | 4-year CD | 5-year CD |
|---|---|---|---|---|---|
| APY2 | 5.05%2 | 5.10%2 | 4.50%2 | 4.35%2 | 4.25%2 |
| Interest rate2 | 4.93%2 | 4.97%2 | 4.40%2 | 4.26%2 | 4.16%2 |
Open 1-year CD |
Open 2-year CD |
Open 3-year CD |
Open 4-year CD |
Open 5-year CD |
Get more, save more
Earn competitive rates1 with a higher degree of liquidity by investing in a series of CDs, called a CD ladder.
Product features
Balances
- $1,500 minimum opening deposit
- FDIC insured4 Learn more about how the FDIC keeps your money safe
- Maximum deposit limit of $1 million per account and $10 million limit per customer
Interest
- Accrued and compounded daily
- Credited and posted monthly
Fees
- No hidden fees so you save more
- Free monthly maintenance
- Free online statements
- Early withdrawal penalty applies5
- $25 per outgoing wire transfer
- $15 per official check request
- $5 per paper statement request
- Auto-renew at maturity or cash out without penalty within the 10-day grace period