Propel your future and reach your goals sooner.

Bread Savings® helps you maximize your earnings with competitive, high-yield savings, CD, and retirement accounts.

two people sit next to each other at a laptop smiling while reviewing their Bread Savings high-yield savings account

Secure growth for your finances.

person sits on a couch while reviewing their high-yield savings account on their mobile phone

High-Yield Savings¹

Watch your money grow faster than it typically would in a traditional savings account.
Start with just $100 and boost your balance with easy online deposits.
Enjoy flexible access to your funds whenever you need them.

See Savings Details

a family with a baby stands in the kitchen smiling, thanks to the feeling of security with a certificate of deposit

6-Month Certificate of Deposit¹

Lock in a fixed rate with flexible terms ranging from three months to five years.
Open your account with $1,500 and earn guaranteed returns.
Renew your CD automatically for continued, effortless growth.

See CD Details

a person looks at the tablet as they review their retirement savings

Retirement High-Yield Savings¹

Grow your retirement nest egg with a Traditional or Roth IRA.²
Enjoy the tax advantages of an IRA, plus a highly competitive savings rate.
Build your future with confidence in an FDIC-insured account.

See IRA Details

Bread Savings Benefits

No Fees or Hidden Costs

You won’t find monthly maintenance or incoming wire transfer fees.

Begin Earning Right Away³

Set up a transfer from another bank and start building interest when funds arrive.

Dedicated Member Support

Get personalized help to reach your goals for today and tomorrow.

Bread Savings Mobile App

Manage your account quickly and securely with the mobile app.

FDIC website

Frequently Asked Questions: Bread Savings Accounts

What is Bread Savings?

Bread Savings offers deposit products by Comenity Capital Bank which is part of Bread Financial. Bread Financial is a technology-driven financial services company we partner with that offers a comprehensive suite of payment, lending, and savings solutions. For more than 30 years, the company has managed credit card programs for many of the nation’s most recognized brands, delivering innovative solutions and trusted expertise.

Who can open a Bread Savings account?

What's the difference between a high-yield savings account and a certificate of deposit from Bread Savings?

What is the Bread Savings routing number?

1 Annual Percentage Yield (APY): APYs are subject to change at any time without notice. Offers apply to personal accounts only. Fees may reduce earnings. For high-yield savings accounts, a minimum of $100 is required and must be deposited in a single transaction. For high-yield savings accounts, the rate may change after the account is opened. To open a CD, a minimum of $1,500 is required and must be deposited in a single transaction. A penalty will be imposed for early withdrawals on CDs. At maturity, your CD will automatically renew and earn the base interest rate in effect at that time.

2 Bread Savings does not provide tax, legal, or financial planning advice. This material has been prepared for informational purposes only, and is not intended to provide, and should not be relied on for tax, legal, or financial planning. You should consult your personal tax, legal, and financial planning advisors for advice in engaging in any transaction.

3 Refers to deposits by ACH that are received before 5PM CT on a business day (Monday through Friday, excluding federal holidays). Deposits begin earning interest from the moment they are received but may not be immediately available for withdrawal. Deposits received after 5PM CT or on a non-business day are received on the next business day.

Bread Savings™ Account Agreement

Bread Savings/Comenity Capital Bank Routing Number: 124085325