What are the current interest rates at Bread Savings?

Current rates for Bread Savings include: Savings: 4.00%

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Bread Savings Rates & Review September 2026

Q: How many branches does Bread Savings operate?

Bread Savings currently maintains approximately 1 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Q: Is there a first-time homebuyer program?

Currently, Bread Savings does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Bread Savings provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: September 27, 2026

Bread Savings's top rates as of September 27, 2026 are 4.30% APY on its 9-Month Certificate of Deposit, and 4.00% APY on savings, according to rates verified by MonitorBankRates. MonitorBankRates evaluates the financial stability of Bread Savings with a 4.5 Star Rating, an B Overall Health Grade, and a Texas Ratio of 21.05%. Rates last updated and verified on 09/27/2026.

Bread Savings money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Bread Savings? Share your experience about Bread Savings by leaving a review below, or read customer reviews before you decide to use Bread Savings.

Overall Health & Safety Grade

Solid Health Score: 84/100

MonitorBankRates Rating

4.5

Excellent Out of 5.0 Stars

Texas Ratio

21.05%

Good Higher than avg

Health Trend

Improving 12 quarters

Full history ›

Bread Savings

12921 S Vista Station Blvd
Draper, UT 84020

https://www.breadsavings.com

Financial health data as of Q2 2026 (FDIC call report for the quarter ended June 30, 2026). This is the most recent call report available. The FDIC publishes bank call reports about eight weeks after each quarter ends.

Bread Savings CD Rates

Product	Rate	APY	Term	View More
9-Month Certificate of Deposit	-	4.30%	9-Month
Rate History No change since Sep 24, 2026 · 4.30% APY · checked 2 times Min Deposit $1,500 Details Lock in a fixed rate by opening a CD, with terms from 3-month to 5 years available. Set up your account with $1,500 or more, and earn guaranteed returns. Let your CD renew automatically to keep earning. Last Updated 09/27/2026 Institution Ratings 4.5 Star Rating B Health Grade ◈ Texas Ratio: 21.05%

Bread Savings Savings Rates

Product	Rate	APY
Flexible Savings	-	4.00%
Rate History 1 change since Sep 24, 2026 · 3.95% → 4.00% ▲ 0.05 pts · high 4.00% / low 3.95% Sep 27, 20264.00%▲ from 3.95% Sep 24, 20263.95%first recorded Min Deposit $100 Details Typically, earn interest at a higher rate than with a traditional savings account. Accelerate earnings, with flexible access to your money. Open with $100 or more, then boost your balance with online deposits. Last Updated 09/27/2026 Institution Ratings 4.5 Star Rating B Health Grade ◈ Texas Ratio: 21.05%
Retirement High-Yield Savings	-	4.00%
Rate History 1 change since Sep 24, 2026 · 3.95% → 4.00% ▲ 0.05 pts · high 4.00% / low 3.95% Sep 27, 20264.00%▲ from 3.95% Sep 24, 20263.95%first recorded Details Build your retirement savings in a Traditional or Roth IRA. Get both the tax advantages of an IRA and a great savings rate. Save confidently for the future with an FDIC-insured account. Last Updated 09/27/2026 Institution Ratings 4.5 Star Rating B Health Grade ◈ Texas Ratio: 21.05%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Financial Health History

Bread Savings’s Texas Ratio fell from 22.10% in Q3 2023 to 21.05% in Q2 2026, so its financial health has improved over the past 12 quarters. Over the same period its Star Rating moved from 4.4 to 4.5. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a bank must stay to qualify for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade15% Verified Healthy limit (green zone below = healthy)

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
June 30, 2026	$13.9B	21.05%	4.5	B
March 31, 2026	$13.3B	23.78%	4.3	B-
December 31, 2025	$13.6B	24.44%	4.2	C+
September 30, 2025	$12.7B	22.85%	4.4	B-
June 30, 2025	$12.9B	21.19%	4.5	B
March 31, 2025	$13.2B	23.65%	4.3	B-
December 31, 2024	$13.3B	24.71%	4.2	C+
September 30, 2024	$12.6B	25.09%	4.2	C+
June 30, 2024	$12.7B	20.22%	4.6	B
March 31, 2024	$12.7B	24.38%	4.2	C+
December 31, 2023	$13.0B	26.29%	4.1	C+
September 30, 2023	$11.9B	22.10%	4.4	B

Source: FDIC call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating: Our rating for Bread Savings is derived from comprehensive financial data published quarterly by the FDIC. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with customer feedback (user reviews) to help you make informed banking decisions.

Texas Ratio: We calculate the Texas Ratio using standard industry methodology. This ratio compares the bank's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation: We gather Bread Savings rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with Bread Savings's official website for the most current offers and terms.

Bank Profile & Overview

Institution Name Bread Financial

FDIC Certificate # 57570

Address 12921 S Vista Station Blvd, Draper, UT 84020 · Salt Lake

Website https://www.breadsavings.com

Established 20031201

FDIC Insurance Date 20031201

Domestic Offices 1

Total Branches 1

Regulator FDIC

FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

Overall Health Grade Score: 84/100

4.5

Excellent Out of 5.0 Stars

21.05%

Texas Ratio Nat'l avg: 5.85%

Return on Assets (ROA) 1.6540%

Return on Equity (ROE) 12.7400%

Non-Performing Loans (NPL) 2.73%

Total Assets $13,859,050,000

Total Deposits $10,991,696,000

Equity Capital $1,796,019,000

Net Income $112,461,000

Headquarters Draper

Total Branches and Offices 1

Source: FDIC | Last Updated 06/30/2026

Customer Reviews

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Frequently Asked Questions About Bread Savings

How many branches does Bread Savings operate?

Bread Savings currently maintains approximately 1 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is there a first-time homebuyer program?

Currently, Bread Savings does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, Bread Savings provides members with tools to manage their accounts and build a solid financial history.

Does Bread Savings offer online and mobile banking?

Most modern institutions like Bread Savings provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.breadsavings.com.