Bread Financial 4 Year CD Rate History (2022–2026)
RateBrain has recorded 14 rate changes for Bread Financial's 4 Year CD since May 24, 2022. Its highest rate was 4.65% (Nov 2022) and its lowest 2.35% (May 2022). It pays 4.65% APY today, last changed on October 17, 2026. That is up 0.65 percentage points from a year ago.
Current Bread Financial 4 Year CD rate »Bread Financial rate history »4 Year CD rate history »
Rate history chart
Now 4.65% APY
By year
| Year | High | Low | Year end | Changes |
|---|---|---|---|---|
| 2026 | 4.65% | 4.00% | 4.65% | 3 |
| 2025 | 4.25% | 4.00% | 4.00% | 1 |
| 2024 | 4.25% | 4.25% | 4.25% | 0 |
| 2023 | 4.50% | 4.25% | 4.25% | 3 |
| 2022 | 4.65% | 2.35% | 4.50% | 7 |
All 14 rate changes
| Date | APY | Change |
|---|---|---|
| October 17, 2026 | 4.65% | +0.10 |
| October 10, 2026 | 4.55% | +0.10 |
| September 19, 2026 | 4.45% | +0.45 |
| February 28, 2025 | 4.00% | −0.25 |
| December 25, 2023 | 4.25% | −0.25 |
| July 20, 2023 | 4.50% | +0.15 |
| March 9, 2023 | 4.35% | −0.15 |
| December 26, 2022 | 4.50% | −0.15 |
| November 11, 2022 | 4.65% | +0.50 |
| October 5, 2022 | 4.15% | +0.55 |
| August 17, 2022 | 3.60% | +0.30 |
| June 27, 2022 | 3.30% | +0.50 |
| May 27, 2022 | 2.80% | +0.45 |
| May 24, 2022 | 2.35% | 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aim to keep our information accurate and current, the rates and information shown on this page may be inaccurate or be out of date.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.