Rate checked November 8, 2026 (today)
Bread Savings 9-month CD rate: 4.40% APY
Bread Savings's 9-month CD pays 4.40% APY. That ranks 3rd of the 17 banks we track for this term. The best is 4.50% at Merrick Bank.
- APY
- 4.40%
- Last change
- None yet
- Tracked since Nov 7, 2026
- Last checked
- today
- Nov 8, 2026
New or unusual rate. This rate is well above the rest or rests on very little history, so we do not call it the best until a second reading backs it. Verify it on Bread Savings's site before you open an account.
What it earns on $25,000
At 4.40%, $25,000 earns about $1,100 in the first year.
The best 9-month CD earns about $1,125 on the same money. Choosing Bread Savings instead gives up about $25 a year.
The middle 9-month rate across 17 banks is 4.15%. Figures are first-year interest at the quoted APY, before taxes.
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Bread Savings 9-month CD rate history
We have tracked this rate since November 7, 2026 and it has not changed.
| Date | APY | Change |
|---|---|---|
| November 7, 2026 | 4.40% | First tracked |
Banks that pay more for a 9-month CD
- Merrick Bank4.50%
- Synchrony4.50%
Bread Savings CD rates for other terms
Other Bread Savings rates
Questions
What is Bread Savings's 9-month CD rate?
Bread Savings pays 4.40% APY on its 9-month CD, based on its own rate page when we last checked. That earns about $1,100 a year on $25,000.
Is Bread Savings's 9-month CD rate good?
It ranks 3rd of the 17 banks we track for this term. The best rate for this term is 4.50% at Merrick Bank, and the middle rate is 4.15%. Choosing Bread Savings over the best costs about $25 a year on $25,000.
Which banks pay more than Bread Savings on a 9-month CD?
Merrick Bank (4.50%), Synchrony (4.50%).
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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.