Rate checked November 1, 2026
Bread Savings 18-month CD rate: 4.85% APY
Bread Savings's 18-month CD pays 4.85% APY. That is the highest of the 29 banks we track for this term. No bank we track pays more for this term today.
What it earns on $25,000
At 4.85%, $25,000 earns about $1,212 in the first year.
This is the top rate for the term, so there is no gap to close.
The middle 18-month rate across 29 banks is 4.35%. Figures are first-year interest at the quoted APY, before taxes.
Bread Savings CD rates for other terms
Questions
What is Bread Savings's 18-month CD rate?
Bread Savings pays 4.85% APY on its 18-month CD, based on its own rate page when we last checked. That earns about $1,212 a year on $25,000.
Is Bread Savings's 18-month CD rate good?
Yes. It is the highest 18-month CD rate among the 29 banks we track. The middle rate for this term is 4.35%.
Which banks pay more than Bread Savings on a 18-month CD?
None of the banks we track pays more for this term today.
General information only. Rates change often; confirm the rate, minimum deposit and early withdrawal penalty with the bank before you open a CD. SwitchWize is not a bank and does not give financial advice.