Bank · FDIC insured
Comenity Capital Bank CD Rates
Top CarrotComenity Capital Bank’s best CD rate is 4.85% APY on an 18-month CD. Terms run from 3 months to 5 years. Rates checked October 22, 2026.
How Comenity Capital Bank’s CD rates compare
Compared with banks and credit unions nationwide. $10,000, best rate first.
This bank’s best
Comenity Capital Bank
4.85%APY
- Term
- 18 months
- Requires
- None
- Minimum
- $1,500
- Earns on $10,000
- $736
Certificate of Deposit
Top rate
SouthPoint Financial Credit Union
9.00%APY
- Term
- 9 months
- Requires
- None
- Minimum
- —
- Earns on $10,000
- $668
2nd-highest rate
802 Credit Union
8.02%APY
- Term
- 5 months
- Requires
- Another account
- Minimum
- $500
- Earns on $10,000
- $327
Comenity Capital Bank CD score
99
CD score
Higher than 99% of U.S. banks and credit unions
- 3–8 months3–8 mo4.05%
- 9–15 months9–15 mo4.45%
- 16–30 months16–30 mo4.85%
- 31–60 months31–60 mo4.70%
- QualifiedQualified4.85%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where Comenity Capital Bank ranks
By CD score, in each area where it has branches
Every rate
Current CD rates
Rates from the bank’s website. Earnings assume the rate doesn’t change.
Certificate of Deposit
Up to 4.85%APY · 9 terms
Must be at least 18 years old, US citizen or resident alien with valid SSN and physical US address. Minimum opening deposit $1,500 in a single transaction; maximum $1,000,000 per account. Early withdrawal penalty applies. Automatically renews at maturity with a 10-day grace period. Compounded daily, credited monthly.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 monthsEarly withdrawal penalty: 90 days simple interest for terms shorter than 1 year | 3.95% | $97 |
| 6 monthsEarly withdrawal penalty: 90 days simple interest for terms shorter than 1 year | 4.05% | $200 |
| 9 monthsEarly withdrawal penalty: 90 days simple interest for terms shorter than 1 year | 4.40% | $328 |
| 12 monthsEarly withdrawal penalty: 180 days simple interest for terms 12 months to 3 years | 4.45% | $445 |
| 18 monthsEarly withdrawal penalty: 180 days simple interest for terms 12 months to 3 years | 4.85% | $736 |
| 24 monthsEarly withdrawal penalty: 180 days simple interest for terms 12 months to 3 years | 4.55% | $931 |
| 36 monthsEarly withdrawal penalty: 180 days simple interest for terms 12 months to 3 years | 4.60% | $1,444 |
| 48 monthsEarly withdrawal penalty: 365 days simple interest for terms 4 years and up | 4.65% | $1,994 |
| 60 monthsEarly withdrawal penalty: 365 days simple interest for terms 4 years and up | 4.70% | $2,582 |
Sources (1)
- breadfinancial.com/en/bread-sa…ificates-of-deposit.html · captured Oct 17, 2026
Special-purpose accounts
Retirement Certificate of Deposit
Up to 4.85%APY · 9 terms
Available as Traditional or Roth IRA. Minimum opening deposit $1,500 in a single transaction. Early withdrawal penalty applies. Automatically renews at maturity. Early withdrawal requires downloading and mailing in an IRA distribution form.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 months | 3.95% | $97 |
| 6 months | 4.05% | $200 |
| 9 months | 4.40% | $328 |
| 12 months | 4.45% | $445 |
| 18 months | 4.85% | $736 |
| 24 months | 4.55% | $931 |
| 36 months | 4.60% | $1,444 |
| 48 months | 4.65% | $1,994 |
| 60 months | 4.70% | $2,582 |
Sources (1)
- breadfinancial.com/en/bread-sa…-retirement-account.html · captured Oct 17, 2026
Opening an account
Confirm the bank’s opening requirements and whether the account is available where you live. A nearby branch does not establish eligibility for every rate.