Bread Financial 5 Year CD Rate History (2022–2026)
RateBrain has recorded 11 rate changes for Bread Financial's 5 Year CD since May 24, 2022. Its highest rate was 4.75% (Nov 2022) and its lowest 2.55% (May 2022). It pays 4.50% APY today, last changed on September 19, 2026. That is up 0.25 percentage points from a year ago.
Current Bread Financial 5 Year CD rate »Bread Financial rate history »5 Year CD rate history »
Rate history chart
Now 4.50% APY
By year
| Year | High | Low | Year end | Changes |
|---|---|---|---|---|
| 2026 | 4.50% | 4.25% | 4.50% | 1 |
| 2025 | 4.25% | 4.25% | 4.25% | 0 |
| 2024 | 4.25% | 4.25% | 4.25% | 0 |
| 2023 | 4.50% | 4.25% | 4.25% | 3 |
| 2022 | 4.75% | 2.55% | 4.50% | 7 |
All 11 rate changes
| Date | APY | Change |
|---|---|---|
| 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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