Certificates of deposit

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.

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

piggy bank Balances

dollar sign and arrow graph Interest

  • Accrued and compounded daily
  • Credited and posted monthly

hand holding coins 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.