Bread Financial 1 Year CD Rate History (2022–2026)
RateBrain has recorded 17 rate changes for Bread Financial's 1 Year CD since May 24, 2022. Its highest rate was 5.50% (Dec 2023) and its lowest 1.75% (May 2022). It pays 4.25% APY today, last changed on September 19, 2026. That is down 0.90 percentage points from a year ago.
Current Bread Financial 1 Year CD rate »Bread Financial rate history »1 Year CD rate history »
Rate history chart
Now 4.25% APY
By year
| Year | High | Low | Year end | Changes |
|---|---|---|---|---|
| 2026 | 5.15% | 4.25% | 4.25% | 1 |
| 2025 | 5.15% | 5.15% | 5.15% | 0 |
| 2024 | 5.50% | 5.15% | 5.15% | 3 |
| 2023 | 5.50% | 4.50% | 5.50% | 6 |
| 2022 | 4.50% | 1.75% | 4.50% | 7 |
All 17 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 |
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aim to keep our information accurate and current, the rates and information shown on this page may be inaccurate or be out of date.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.