Last updated on 2024-11-24
Low min. deposit balance
Only online banking
Interest can be withdrawn monthly
High yields
No physical banks
$1,500 & Above | |
---|---|
12 months | 4.30% APY |
24 months | 4.00% APY |
36 months | 3.90% APY |
48 months | 3.90% APY |
60 months | 3.85% APY |
Receive up to 4.70% APY for Bread Financial CDs
Receive 3.80% / 4.70% / 3.80% APY for 3 / 6 / 9 months Bread Financial CDs
US$1,500 minimum opening balance and maximum deposit balance limit of US$10 million
Interest is accrued and compounded daily, and credited and posted monthly
No hidden fees
Free monthly maintenance
Interest is automatically added back to your account monthly because the annual percentage yield (APY) assumes interest remains on deposit until maturity. However, you can contact Bread Financial to have interest paid out monthly via automated clearing house (ACH) electronic transfer to a verified or Bread Financial savings account. Requests must be made three days before the interest payment date for the change to apply to the next interest payment
Auto-renew at maturity or cash out without penalty within a 10-day grace period
Early withdrawal penalty (for principal) of 180 / 365 days simple interest for 12 or 24 or 36 months CDs / 48 or 60 months CDs applies
Click here to go to Comenity Direct website for more details
Bread Financial is the online banking division of Comenity Bank and Comenity Capital Bank. Bread Financial combines the convenience of online savings with the security of an established bank. There are no brick-and-mortar locations for Bread Financial. Online banking is available via app or website for all customers.
Bread Financial Customer Care can be reached via phone on 1-833-755-4354 Weekdays from 7am to 11pm CT and Weekends and most holidays from 9am to 5pm CT
Comenity Capital Bank and its divisions (including Bread Financial) is a member of FDIC which covers the deposits of a depositor to up to US$250,000