Bread Financial 3 Year CD Rate History (2022–2026)
RateBrain has recorded 10 rate changes for Bread Financial's 3 Year CD since May 24, 2022. Its highest rate was 4.75% (Jul 2023) and its lowest 2.25% (May 2022). It pays 4.40% APY today, last changed on September 19, 2026. That is up 0.40 percentage points from a year ago.
Current Bread Financial 3 Year CD rate »Bread Financial rate history »3 Year CD rate history »
Rate history chart
Now 4.40% APY
By year
| Year | High | Low | Year end | Changes |
|---|---|---|---|---|
| 2026 | 4.40% | 4.00% | 4.40% | 1 |
| 2025 | 4.40% | 4.00% | 4.00% | 1 |
| 2024 | 4.40% | 4.40% | 4.40% | 0 |
| 2023 | 4.75% | 4.40% | 4.40% | 2 |
| 2022 | 4.50% | 2.25% | 4.50% | 6 |
All 10 rate changes
| Date | APY | Change |
|---|---|---|
| September 19, 2026 | 4.40% | +0.40 |
| February 25, 2025 | 4.00% | −0.40 |
| December 25, 2023 | 4.40% | −0.35 |
| July 14, 2023 | 4.75% | +0.25 |
| November 11, 2022 | 4.50% | +0.50 |
| October 6, 2022 | 4.00% | +0.45 |
| August 11, 2022 | 3.55% | +0.30 |
| June 27, 2022 | 3.25% | +0.50 |
| May 27, 2022 | 2.75% | +0.50 |
| May 24, 2022 | 2.25% | first tracked |
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