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 | 4.90%2 | 4.10%2 | 3.90%2 | 3.80%2 | 3.80%2 |
| Interest rate2 | 4.78%2 | 4.02%2 | 3.83%2 | 3.73%2 | 3.73%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
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 | 4.95% | 4.83% |
| Renewed 2-year CD | 4.15% | 4.07% |
| Renewed 3-year CD | 3.95% | 3.87% |