Home › CD rates › American Express vs Bread Savings
American Express and Bread Savings CD rates side by side for each term. Green = the higher rate.
On terms both offer, American Express pays more on 0 and Bread Savings on 2 (as of 2026-10-12).
| Term | American Express | Bread Savings |
|---|---|---|
| 6-month | — | 4.05% |
| 1-year | 3.65% | 4.45% |
| 18-month | 3.65% | 4.75% |
| 2-year | 3.65% | — |
| 3-year | 2.25% | — |
| 5-year | 3.00% | — |
| Min to open | $0 | $1,500 |
Sources: American Express, Bread Savings.
American Express CD details · Bread Savings CD details
On terms both list, American Express is higher on 0 and Bread Savings on 2, as of 2026-10-12.
Each rate is read from the bank's own public page on the date shown and linked. Rates change often: confirm on the bank's site before opening. Not financial advice.
Estimates, not financial advice. Taxes, insurance, PMI and fees vary by lender, county and city; confirm with your lender, dealer and state agency before acting.