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Written by
Bestmoney Staff
The BestMoney editorial team is composed of writers and experts covering a full range of financial services. Our mission is to simplify the process of selecting the right provider for every need, leveraging our extensive industry knowledge to deliver clear, reliable advice.

October 30, 2026

Bread Savings CD Pros & Cons

Pros

High-interest rates
Free monthly maintenance and no hidden fees
FDIC insurance

Cons

$1,500 minimum opening deposit
No physical branches or ATM access

Bread Savings CD at a glance

4.8
Editorial score

Fees

This category measures the overall quality of the product
2.4

Security

FDIC insured through a partner bank, SSL/AES encryption and supports 2 factor authentication
9.0

Customer Service

Customer service during extended business hours,, FAQ/help page on website; no live chat
8.0

Online and Mobile Experience

This category measures the overall quality of the product
2.4

Features and Benefits

This category measures the overall quality of the product
2.4
Written byBestmoney Staff

The BestMoney editorial team is composed of writers and experts covering a full range of financial services. Our mission is to simplify the process of selecting the right provider for every need, leveraging our extensive industry knowledge to deliver clear, reliable advice.

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Trustpilot reviews
See what some customers are saying about Bread Savings CD
Poor • reviews 4,522
on
Excellent
84%
Great
8%
Average
3%
Poor
2%
Bad
4%
We upload 100 to 400 Trustpilot reviews to our website daily, displaying them by default from "best" to "worst". You have the option to adjust the sorting criteria. If you wish to see all reviews, you can visit Trustpilot's website here.
Sort by
Abdulsamad Mustapha
10 months ago
Abdulsamad
Abdulsamad
Ali Ahmad
3 years ago
Good easy to use
Good easy to use
Nisar Ahmed
3 years ago
Nice aap very good nice app
Nice aap very good nice app
Brenton Rahm
3 years ago
Bread Rocks!
Bread gave me what I have always wanted...a way to afford more expensive items by paying over time, despite my limited credit. I have a futon that is made by Furniture of America, that cost $600, and I expected that was made in America...no. Only issue I have had and that is more a merchant communication/disclosure issue than anything Bread did. They extended me substantial credit, I have improved my home and my kids have a better life as a result. Couldn't be happier. For those wondering: Bread does a really good job of being upfront about all your costs. If you pay the number of payments in the amount you agree to pay, your item will be fully paid off. The amount of interest is virtually negligible compared to other deferred payment or finance companies. I have enjoyed using Bread and checking out their expanding list of merchants. I've had nothing less than a great experience.
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