Propel your future and reach your goals sooner.
Bread Savings® helps you maximize your earnings with competitive, high-yield savings, CD, and retirement accounts.
Secure growth for your finances.
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.
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.
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.
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.
Frequently Asked Questions: Bread Savings Accounts
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.
To open a Bread Savings online account, you must:
- Be at least 18 years of age and a United States citizen or resident alien
- Have a valid U.S. government-issued Social Security number
- Have a physical U.S. address
Keep in mind, only individuals may open a sole or joint ownership account.
There are a few basic differences. A Bread Savings High-Yield Savings Account (HYSA) offers flexible access to your funds, and the rates are variable, meaning they may go up or down over time.
Bread Certificates of Deposit (CDs) offer fixed rates that do not change over the term. The CDs also provide access to your funds although penalties apply if withdrawals are made before maturity.
The routing number is 124085325.
