Bread Savings
12-month CD · 12 months · Member FDIC · standard coverage limit applies
illustrative rate · checked Jul 20, 2026 · 9:15am ET · Bread Savings rate page
4.70% APY4.55% APY
$1,410 $1,365 / yr on $30,000-15 basis points since Jul 12Rates and maturities
Tracked
Hugo shows what changed, when money becomes available, and the one alert that brings you back at the right time.
U.S. Treasury
52-week Treasury bill · 52 weeks · Backed by the U.S. government
illustrative rate · checked Jul 20, 2026 · 8:58am ET · Treasury auction result
3.62% annualized yield3.70% annualized yield
$362 $370 / yr on $10,000+8 basis points since Jul 10Newtek Bank
12-month CD · 12 months · Member FDIC · standard coverage limit applies
illustrative rate · checked Jul 20, 2026 · 9:12am ET · Newtek Bank rate page
4.30% APY4.30% APY
$1,075 $1,075 / yr on $25,000No change since Jul 8Your maturity ladder
When your cash comes free
Sep 18, 2026Bread$30,000
Oct 15, 2026Treasury$10,000
Jan 22, 2027Newtek$25,000
One question, once
Did you open the 12-month CD?
What an alert looks like
Bread changed 4.70% → 4.55%
Your expected yearly interest on $30,000 fell from $1,410 to $1,365. The alert contains one action and no promotions.
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