Home › CD rates › Bread Savings vs Happen Bank
Bread Savings and Happen Bank CD rates side by side for each term. Green = the higher rate.
On terms both offer, Bread Savings pays more on 1 and Happen Bank on 1 (as of 2026-10-12).
| Term | Bread Savings | Happen Bank |
|---|---|---|
| 6-month | 4.05% | 4.30% |
| 1-year | 4.45% | 3.50% |
| 18-month | 4.75% | — |
| 2-year | — | 4.60% |
| 5-year | — | 3.40% |
| Min to open | $1,500 | $500 |
Sources: Bread Savings, Happen Bank.
Bread Savings CD details · Happen Bank CD details
On terms both list, Bread Savings is higher on 1 and Happen Bank on 1, 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.