Bread Financial CD Rate - 5 Year

Bread Financial's 5 Year CD pays 4.70% APY as of November 3, 2026, checked 4 days ago. Since RateBrain began tracking it in 2022, this 5 Year CD has paid as much as 4.75% (Nov 2022) and as little as 2.55% (May 2022). It is currently above the median 5 Year CD rate we track (3.40% across 113 banks).

4.70% APY

up from 4.60% on Oct 17

Last checked: Nov 3 · 4 days ago
Minimum deposit: $1,500

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See the full Bread Financial 5 Year CD rate history »

Bread Financial CD Rate - 5 Year CD - Rate History

Now 4.70% APY

All-time high 4.75% (Nov 2022)
Low 2.55% (May 2022)
1-year change +0.45
13 changes
Tracked since May 2022
Full rate history »

The gray line is the median 5 Year CD rate across the banks we tracked each month.

Rate changes

Date	APY	Change
October 17, 2026	4.70%	+0.10
October 10, 2026	4.60%	+0.10
September 19, 2026	4.50%	+0.25
December 21, 2023	4.25%	−0.10
July 30, 2023	4.35%	+0.10
February 6, 2023	4.25%	−0.25
December 26, 2022	4.50%	−0.25
November 11, 2022	4.75%	+0.50
October 3, 2022	4.25%	+0.60
August 16, 2022	3.65%	+0.30
June 27, 2022	3.35%	+0.50
May 27, 2022	2.85%	+0.30
May 24, 2022	2.55%	first tracked

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Other 5 Year CD rates

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Common questions

What is the Bread Financial 5 Year CD rate today?

The Bread Financial 5 Year CD pays 4.70% APY as of November 3, 2026, checked 4 days ago.

How does the Bread Financial 5 Year CD compare with other 5 Year CDs?

It pays 4.70% APY. The median across the 113 5 Year CD rates RateBrain tracks is 3.40%, so it is 1.30 percentage points above the median.

What has the Bread Financial 5 Year CD paid over time?

Since RateBrain began tracking it in 2022, it has paid as much as 4.75% (Nov 2022) and as little as 2.55% (May 2022).

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aim to keep our information accurate and current, the rates and information shown on this page may be inaccurate or be out of date.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.