Bread Financial CD Rate - 1 Year
Bread Financial's 1 Year CD pays 4.45% APY as of November 9, 2026, checked 18 hours ago. Since RateBrain began tracking it in 2022, this 1 Year CD has paid as much as 5.50% (Dec 2023) and as little as 1.75% (May 2022). It is currently above the median 1 Year CD rate we track (4.00% across 145 banks).
4.45% APY
up from 4.25% on Oct 10
- Last checked
- Nov 9 · 18 hours ago
- Minimum deposit
- $1,500
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See the full Bread Financial 1 Year CD rate history »
Bread Financial CD Rate - 1 Year CD - Rate History
Now 4.45% APY
- All-time high 5.50% (Dec 2023)
- Low 1.75% (May 2022)
- 1-year change −0.70
- 18 changes
- Tracked since May 2022
- Full rate history »
The gray line is the median 1 Year CD rate across the banks we tracked each month.
Rate changes
| Date | APY | Change |
|---|---|---|
| October 10, 2026 | 4.45% | +0.20 |
| September 19, 2026 | 4.25% | −0.90 |
| August 11, 2024 | 5.15% | −0.10 |
| May 10, 2024 | 5.25% | −0.10 |
| February 16, 2024 | 5.35% | −0.15 |
| December 19, 2023 | 5.50% | +0.10 |
| August 21, 2023 | 5.40% | +0.05 |
| July 20, 2023 | 5.35% | +0.10 |
| June 30, 2023 | 5.25% | +0.05 |
| May 10, 2023 | 5.20% | +0.15 |
| March 26, 2023 | 5.05% | +0.55 |
| November 11, 2022 | 4.50% | +0.50 |
| November 3, 2022 | 4.00% | +0.40 |
| October 3, 2022 | 3.60% | +0.60 |
| August 11, 2022 | 3.00% | +0.50 |
| June 27, 2022 | 2.50% | +0.50 |
| May 27, 2022 | 2.00% | +0.25 |
| May 24, 2022 | 1.75% | first tracked |
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ShareOther Bread Financial rates
- 3 Month CD3.95%
- 6 Month CD4.05%
- 9 Month CD4.40%
- 18 Month CD4.85%
- 2 Year CD4.55%
- 3 Year CD4.60%
- 4 Year CD4.65%
- 5 Year CD4.70%
- Savings4.05%
Other 1 Year CD rates
- State Bank of India4.89%
- EagleBank4.80%
- USALLIANCE Financial4.75%
- BTG Pactual US4.65%
- CFG Bank4.65%
- Merrick Bank4.65%
Common questions
What is the Bread Financial 1 Year CD rate today?
The Bread Financial 1 Year CD pays 4.45% APY as of November 9, 2026, checked 18 hours ago.
How does the Bread Financial 1 Year CD compare with other 1 Year CDs?
It pays 4.45% APY. The median across the 145 1 Year CD rates RateBrain tracks is 4.00%, so it is 0.45 percentage points above the median.
What has the Bread Financial 1 Year CD paid over time?
Since RateBrain began tracking it in 2022, it has paid as much as 5.50% (Dec 2023) and as little as 1.75% (May 2022).
Please Note: We are not a bank or credit union and are not affiliated with any. The information above is provided 'as is' and solely for informational purposes, not for specific financial advice. While we aim to keep our information accurate and current, the rates and information shown on this page may be inaccurate or be out of date. Please check with banks directly for the most up to date and accurate information.