Bread Financial 1 Year CD Rate History (2022–2026)
RateBrain has recorded 18 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 4.45% APY today, last changed on October 10, 2026. That is down 0.70 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 4.45% APY
By year
| Year | High | Low | Year end | Changes |
|---|---|---|---|---|
| 2026 | 5.15% | 4.25% | 4.45% | 2 |
| 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 18 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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