Let a certificate of deposit work for you
Find a CD term to fit your goal
Choose a CD length that’s right for your financial life! The minimum opening deposit for each CD is $1,500. The maximum is $1 million per account.
Why choose a Bread Savings CD?
No monthly maintenance fee
FDIC insured for peace of mind
Convenient mobile and online access
Exceptional customer service
Earnings you can count on
You earn interest on your CD at a fixed rate, no matter what happens with the market.
Interest is compounded daily, then credited and posted monthly.
Deposits are FDIC insured through Comenity Capital Bank with a coverage limit of $250,000 per depositor for each ownership category.
Frequently asked questions
Generally, a CD is a deposit account with a fixed interest rate, specific term length and maturity date. Penalties may apply if withdrawals are made before maturity.
To be eligible to open a Bread Savings online account, you must be at least 18 years of age, be a United States citizen or resident alien, have a valid U.S. government-issued Social Security number, and a physical U.S. address.
Here are the fees for a Bread Savings CD:
- $5 for each paper statement request (online statements are free)
- $15 for each official check request (a check that is guaranteed by the bank)
- $25 outgoing wire transfer fee (a free, automated clearing house (ACH) transfer can be used instead)
CDs will be auto-renewed at maturity, or you can cash them out within the 10-day grace period without being charged a penalty for early withdrawal.
You’ll be notified when the maturity date is approaching on a Bread Savings Certificate of Deposit. Your CD will automatically renew at maturity unless we notify you otherwise. The CD term will remain the same, but you can check your new rate online in your account details.
You’ll have 10 calendar days to withdraw the funds or close the account without penalty. Bread Savings CDs require a $1,500 minimum balance.
Still have questions?
Tools and resources
1 Annual Percentage Yield (APY): All Bread Savings APYs are accurate as of 04/27/2026. APYs are subject to change at any time without notice. Offers apply to personal accounts only. Fees may reduce earnings. For high-yield savings accounts, a minimum of $100 is required and must be deposited in a single transaction. For high-yield savings accounts, the rate may change after the account is opened. To open a CD, a minimum of $1,500 is required and must be deposited in a single transaction. A penalty will be imposed for early withdrawals on CDs. At maturity, your CD will automatically renew and earn the base interest rate in effect at that time.
2 For terms shorter than 1 year, the penalty is 90 days simple interest. For terms 12 months to 3 years, the penalty is 180 days simple interest. For terms 4 years and up, the penalty is 365 days simple interest.
3 Refers to deposits by ACH that are received before 5 p.m. CT on a business day (Monday through Friday, excluding federal holidays). Deposits begin earning interest from the moment they are received but may not be immediately available for withdrawal. Deposits received after 5 p.m. CT or on a non-business day are received on the next business day.
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Bread Savings/Comenity Capital Bank Routing Number: 124085325