Bread Financial CD Rate - 1 Year
Bread Financial's 1 Year CD pays 4.25% APY as of September 22, 2026, checked 1 day ago. The rate was lowered from 5.15% on September 19, 2026. 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 (3.92% across 66 banks).
4.25% APY
down from 5.15% on Sep 19
- Last checked
- Sep 22 · 1 day ago
- Minimum deposit
- $1,500
Rate history
Now 4.25% APY
- All-time high 5.50% (Dec 2023)
- Low 1.75% (May 2022)
- 1-year change −0.90
- 17 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 |
|---|---|---|
| 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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Copy linkOther Bread Financial rates
- 3 Month CD3.90%
- 6 Month CD4.00%
- 9 Month CD4.30%
- 18 Month CD4.40%
- 2 Year CD4.35%
- 3 Year CD4.40%
- 4 Year CD4.45%
- 5 Year CD4.50%
- Savings3.95%
Other 1 Year CD rates
- Apple Federal Credit Union5.00%
- PenFed Credit Union4.80%
- State Bank of India4.52%
- Citizens Access4.50%
- BTG Pactual US4.45%
- EagleBank4.45%
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aim to keep our information accurate and current, the rates and information shown on this page may be inaccurate or be out of date.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.