Bread Financial 4 Year CD Rate History (2022–2026)
RateBrain has recorded 12 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 4.45% APY today, last changed on September 19, 2026. That is up 0.45 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 4.45% APY
By year
| Year | High | Low | Year end | Changes |
|---|---|---|---|---|
| 2026 | 4.45% | 4.00% | 4.45% | 1 |
| 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 12 rate changes
| Date | APY | Change |
|---|---|---|
| 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 |
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