Public Kempax report

Daily Top CD Rates · 2026-08-08

Kempax Research

Loop report · 2026-08-08

Daily Top CD Rates — a verification-aware comparison

The highest displayed primary signal preserved in this comparison is 4.35% APY for 18 months from Popular Direct, with a $10,000 minimum deposit. FNBA is the only provider in the set with an issuer-supplied National rate view: 4.25% APY for 120 months . That ten-year lock and its 720-day penalty are a materially different choice from the shorter offers below.

This is a bounded comparison, not a market-wide claim that every offer is nationally available. No rate-change or new-leader claim is supported because no comparable prior snapshot is available.

National-scope qualifier. FNBA’s online-rate page exposes a “National” view, making it the clearest nationwide signal in this set. That is a provider indicator, not a state-by-state legal opinion. The other bank offers below have unclear nationwide scope in the captured evidence; Quorum requires credit-union membership.

Liquidity qualifier. APY alone does not decide the choice. FNBA’s 120-month row carries a 720-day interest penalty ; Popular Direct’s 18-month row carries 270 days ; Happen’s 24-month row carries 180 days . Some other penalty schedules are incomplete or may reduce principal.

Ranked comparison

The order below is by displayed APY among insured products with a term-specific primary rate signal preserved in the evidence set. It is not a ranking of unrestricted national availability.

Rank Offer and insurance APY and term Minimum deposit Eligibility and availability Early-withdrawal penalty Signal status and sources --- --- --- --- --- --- --- 1 Popular Direct CDs — Popular Bank, Member FDIC 4.35% APY 18 months ; provider date 2026-08-03 $10,000 Online direct CD; external U.S. bank account required; all-state scope unclear 270 days of simple interest for 12–<36 months Highest readable primary signal; nationwide availability not established 2 Happen Bank CDs — Happen Bank, N.A., Member FDIC 4.30% APY 24 months ; table date 2026-08-07 $500 ; maximum opening deposit $500,000 Primary U.S. address and account approval required; no state list; eligibility limited and geography unclear 180 days of simple interest for terms over one year; 90 days for one year or less Rankable with an eligibility caveat 3 FNBA online CDs — First National Bank of America, Member FDIC 4.25% APY 120 months ; accurate 2026-08-08 $1,000 to obtain the displayed APY Personal online CD; issuer page exposes a National view; online ACH and personal-account restrictions apply 720 days of interest for 96–120 months; penalty may reduce principal Strongest national-scope signal, but the ten-year lock is not comparable to shorter terms 4 Quorum FCU Term Savings — federally NCUA-insured fixed-term share account 4.20% APY 7 months , new money only; effective 2026-07-09 $100 Membership required through a select employee group, family of an eligible member, or the American Consumer Council; eligibility is membership-limited May cost several months of accumulated dividends; exact schedule unresolved; seven-day maturity window CD-like alternative, not an unrestricted bank CD 5 CFG Bank CDs — Member FDIC FDIC-insured product flow 4.17% APY 18 months ; rate date 2026-07-27 $500 to open and $500 daily minimum balance Online and branch channels; no state list; nationwide scope unclear No withdrawals during the first 30 days; later penalty applies but the schedule is unresolved Rate signal is readable; exact penalty remains unresolved

APY signals at a glance

The chart shows only the five ranked rows above. Terms, minimums, eligibility, and availability differ, so the bars are not like-for-like investment recommendations.

Qualification and penalty callouts

The broadest-scope signal is not the highest APY. Popular Direct leads the displayed rate comparison, but its nationwide availability is unclear. FNBA’s National rate view is the clearest scope evidence, at 4.25% for 120 months.

The lock-up can outweigh the rate spread. FNBA’s CD disclosures show 720 days of interest for 96–120-month terms. Popular Direct’s disclosure shows 270 days for 12–<36 months, while Happen’s agreement shows 180 days for terms over one year.

Minimums and access rules change the shortlist. Quorum starts at $100 but requires membership and new money. Happen and CFG start at $500, with CFG also requiring a $500 daily minimum balance. Popular Direct requires $10,000.

Watchlist — not ranked

These products are retained for context but excluded from the APY ranking because the source set is future-dated, conflicting, blank, secondary-only, or missing a complete primary row.

Offer and insurance APY and term Minimum deposit Eligibility and availability Early-withdrawal penalty Why it is not ranked and sources --- --- --- --- --- --- Sallie Mae CDs — FDIC-insured 4.35% 36 or 60 months ; 4.25% 18 or 24 months ; displayed footnote dated 2026-08-10 $2,500 Online consumer application and external-bank funding; all-state scope unclear 90 days of simple interest up to 12 months; 180 days for longer terms; may reduce principal Future-dated for this snapshot; do not treat as current without a recheck TAB Bank CDs — Member FDIC Table signal: 4.05% 12 months , 4.10% 18 , 4.15% 24 , 4.20% 36–60 ; headline says “up to 4.05%” $1,000 Online personal CD; all-state scope unclear Penalty may apply; exact schedule unresolved Material headline table conflict; do not promote the 4.20% table value Bread Savings CDs — Member FDIC 3.80% 3 months on the readable primary page; a higher secondary signal is not primary-confirmed $1,500 U.S. citizen, Social Security number, U.S. address, and age 18+; all-state scope unclear Penalty applies; exact schedule unresolved Primary page does not expose a complete higher-rate row; CD flow E TRADE direct Bank CD — Morgan Stanley Private Bank, N.A., Member FDIC Current APY term not readable; product states 6 months–5 years No minimum stated U.S. retail online bank product; all-state scope unclear 90 days for 12 months; 135 for 18 months; 180 for 2 years; 270 for 3 years; 450 for 5 years; partial withdrawals not permitted Live term APY table was blank; no current term-specific quote captured Credit One Bank Jumbo CD — Member FDIC Current APY and term not readable; no current term-specific quote captured $100,000 Online deposit product; new-money or promotional conditions; all-state scope unclear Penalty may apply; exact schedule unresolved Not rate-rankable until the primary APY term row is readable

What the snapshot supports

Bank products in the comparison carry FDIC insurance signals; Quorum’s fixed-term share account carries federal NCUA insurance. Verify coverage limits and account terms before opening.
A 4.35% APY for 18 months and a 4.25% APY for 120 months are different trade-offs, not interchangeable “best rate” claims.
The source set does not support a rate-change or new-leader statement. Provider dates are shown beside the offers, and no prior comparable baseline was supplied.
The latest approved source read did not return FNBA’s page body. The values above therefore remain a bounded, source-backed register with an inconclusive verification status, not a newly re-verified quote sheet.

Report details

<small Snapshot: 2026-08-09 UTC · Evidence status: Inconclusive current-read hold · Loop: Daily Top CD Rates · Run: looprun-f7b62d4d-f471-4e1b-82b0-fd21c4228365 · Session: Compose the layout-enhanced CD report · Owner: General Codex Agent · Status: canonical publication candidate; pending evaluation and authorized publication.< small