Rate checked November 1, 2026
Bread Savings 3-month CD rate: 3.95% APY
Bread Savings's 3-month CD pays 3.95% APY. That ranks 5th of the 38 banks we track for this term. The best is 4.30% at Bank5 Connect.
What it earns on $25,000
At 3.95%, $25,000 earns about $988 in the first year.
The best 3-month CD earns about $1,075 on the same money. Choosing Bread Savings instead gives up about $87 a year.
The middle 3-month rate across 38 banks is 2.95%. Figures are first-year interest at the quoted APY, before taxes.
Banks that pay more for a 3-month CD
- Bank5 Connect4.30%
- Popular Direct4.30%
- Merrick Bank4.26%
Bread Savings CD rates for other terms
Questions
What is Bread Savings's 3-month CD rate?
Bread Savings pays 3.95% APY on its 3-month CD, based on its own rate page when we last checked. That earns about $988 a year on $25,000.
Is Bread Savings's 3-month CD rate good?
It ranks 5th of the 38 banks we track for this term. The best rate for this term is 4.30% at Bank5 Connect, and the middle rate is 2.95%. Choosing Bread Savings over the best costs about $87 a year on $25,000.
Which banks pay more than Bread Savings on a 3-month CD?
Bank5 Connect (4.30%), Popular Direct (4.30%), Merrick Bank (4.26%).
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.