Bread Financial Savings Rates & APY
Latest rate data:
Savings Accounts
Bread Financial
Savings account · FDIC
4.05%
APY
Minimum balance
$0
Opening deposit
$100
Account details & sources
- Last checked
- Nov 14, 2026
- Last attempt
- Nov 14, 2026
Observed change
+0.10 pp
Rate history
Last observed APY 4.05% on Nov 14, 2026; up 0.10 percentage points since Aug 17, 2026.
Certificates of Deposit
Rate details
- Last checked
- Nov 13, 2026
- Last attempt
- Nov 14, 2026
- Refresh
- Failed; prior rate retained
Compare CD earnings
Compare earnings for the same term
Term
Estimated interest at maturity, before tax, with interest reinvested and no early withdrawal. Check minimums, membership, promotional eligibility, fees and penalties separately.
| Provider | APY | Est. interest | Rate date |
|---|---|---|---|
| Bread FinancialThis institution | 4.45% | $445.00 | 2026-11-13 |
| Popular Direct | 4.60% | $460.00 | 2026-11-14 |
| Sallie Mae Bank | 4.60% | $460.00 | 2026-11-14 |
| Ally Bank | 4.50% | $450.00 | 2026-11-14 |
How this estimate works
Deposit × ((1 + APY / 100)^(months / 12) − 1). Only the same term is compared. This illustration does not check whether you qualify, and provider availability can differ.