Public Kempax report

Daily Top CD Rates · 2026-08-08

Kempax Research

Loop report · 2026-08-08

Daily Top CD Rates — August 8, 2026

Only one of 17 reviewed candidates clears every strict verification field: First National Bank of America’s online CD at 4.25% APY for 120 months . The evidence also shows 3.95% for 12 months and 4.05% for 13 months. Because 16 candidates still have at least one unresolved field, this is a bounded verified ranking—not a market-wide “top 10” or best-rate claim. The federal funds target range was 3.50%–3.75% as of August 8, 2026. FNBA online CD rates; Federal Reserve July 29 statement; FRED lower limit; FRED upper limit

Strict verified ranking

Eligibility requires a current APY and term, minimum deposit, national availability or eligibility, FDIC or NCUA insurance, and an early-withdrawal penalty from primary institution or official insurance evidence. Ranking is by highest displayed APY, with term shown prominently because APYs are not interchangeable across terms.

Rank Institution product APY Term Minimum deposit Availability eligibility Early-withdrawal penalty Insurance Source ---: --- ---: ---: ---: --- --- --- --- 1 First National Bank of America online CD 4.25% ; rate page states rates accurate 2026-08-08 120 months $1,000 minimum balance to obtain the APY Personal online CD; the CD page exposes a National region option. The evidence does not enumerate every state. 720 days’ interest for 96–120-month terms, including 120 months; partial withdrawals are allowed and principal may be reduced. FDIC-insured up to applicable limits. Rate page, CD page, online CD FAQ

Strict count: 1 of 17. FNBA’s same rate page displays 3.95% for 12 months and 4.05% for 13 months; those terms are not separate institutions in this ranking. No prior comparable baseline was available, so no new-leader or rate-change claim is made.

Candidates excluded from the strict ranking

These displayed offers remain useful context, but each is out until the stated condition is verified. A source link is provided for each candidate; a discovery or product page does not by itself prove the missing condition.

Candidate Displayed rate or product evidence Missing verification condition s and reason for exclusion Source --- --- --- --- Popular Direct CDs 4.35% 18 months and 4.25% 12 months; APYs effective 2026-08-03. $10,000 minimum; FDIC-insured; penalty shown as 120 days’ simple interest for 12 months and 270 days for 18 months. National eligibility is not established by the primary page. Popular Direct CDs Sallie Mae CDs 4.15% 12 months, 4.25% 18 months, and 4.35% 36 or 60 months; $2,500 minimum; FDIC-insured; penalty schedule displayed. Rate snapshot is dated 2026-08-10, after this report’s 2026-08-08 as-of date, and national eligibility is unresolved. Sallie Mae CDs CFG Bank CDs 4.17% 18 months and 4.15% 12 months; rate page dated 2026-07-27; $500 minimum; FDIC-insured. National eligibility and the exact penalty schedule are missing. The page says no withdrawals during the first 30 days but gives no day-of-interest schedule afterward. CFG Bank CD rates Bread Savings CDs Primary selector exposed 3.80% 3 months; a higher 18-month rate was not primary-confirmed. $1,500 minimum; U.S. applicant requirements and FDIC insurance shown. Target APY term, exact penalty schedule, and explicit national availability are not all verified. Bread Savings products E TRADE direct Bank CD Terms of 6 months–5 years and a title indicating up to 4.40%, but the current term APY table was blank. Minimum and exact penalty schedule were not visible; Morgan Stanley Private Bank is FDIC-insured. Current APY term, minimum deposit, national eligibility, and exact penalty are unverified. This should not be mixed with E TRADE brokered CDs. E TRADE direct Bank CD TAB Bank CDs Term sequence showed 4.05% 12 months, 4.10% 18, 4.15% 24, and 4.20% 36–60, while the headline said “up to 4.05%.” $1,000 minimum; FDIC insurance stated. Rate presentation conflicts and the exact penalty schedule is missing; national eligibility is not established. TAB Bank CD rates and terms Credit One High Yield Jumbo CD Current APY term table was blank. $100,000 minimum; promotional or new-money conditions may apply; Credit One Bank is FDIC-insured. Current APY term, national eligibility, and exact penalty are unverified. The jumbo minimum is also not comparable with ordinary-minimum offers. Credit One CD Ally High Yield CD Current APY and term were not exposed in the captured primary result; no minimum balance and FDIC membership were stated. Current APY term, national eligibility, and exact penalty are unverified. Ally CD rates Synchrony Bank CD Current APY and term were not captured from the official product page. Current APY term, minimum, national eligibility, insurance evidence, and exact penalty are not all verified. Synchrony Bank CD Quontic certificates of deposit Current APY and term were not captured from the official product rate pages. Current APY term, minimum, national eligibility, insurance evidence, and exact penalty are not all verified. Quontic certificates of deposit Live Oak personal CDs Current APY and term were not captured from the official product page. Current APY term, minimum, national eligibility, insurance evidence, and exact penalty are not all verified. Live Oak personal CDs BMO Alto High Yield CD Alto-specific APY and term were not captured. An official legal page identifies FDIC insurance, but product mapping, minimum, and eligibility were not captured. Alto-specific APY term, minimum, national eligibility, insurance mapping, and exact penalty are incomplete. BMO Alto High Yield CD, Alto legal information EverBank CDs Current APY and term were not captured from the official product or rate page. Current APY term, minimum, national eligibility, insurance evidence, and exact penalty are not all verified. EverBank CDs Bask Bank CDs Official product and rate pages were discovered, but current APY and term were not captured. Current APY term, minimum, national eligibility, insurance evidence, and exact penalty are not all verified. Bask Bank CDs, current rates Alliant Credit Union certificates Current APY and term, minimum, and membership rule were not captured; an early-close FAQ was located but the current penalty rule was not captured. Current APY term, minimum, membership eligibility, NCUA product evidence, and exact penalty are incomplete. A general NCUA insurance page does not substitute for product evidence. Alliant certificate, early-close FAQ PenFed certificates Current APY and term, minimum, membership rule, and exact penalty schedule were not captured. Current APY term, minimum, membership eligibility, NCUA product evidence, and exact penalty are incomplete. PenFed certificates, current rates

Federal funds target range

The Federal Reserve maintained a 3.50%–3.75% target range in its July 29, 2026 statement. The daily FRED boundary series show 3.50% and 3.75% on August 8, 2026. The chart plots the midpoint as a visual coordinate and preserves the observed lower and upper bounds; it shows policy-change points plus the report-date observation, with repeated hold dates omitted. The target became a range on December 16, 2008. Federal Reserve accessible target-rate history; Federal Reserve policy-rate page; FRED lower limit; FRED upper limit; FRED legacy single target rate

Illustrative earnings by principal and term

These figures are interest earnings, not product quotes . They use a constant 4.25% APY scenario for every horizon to make the principal tiers easy to compare. The 4.25% input is displayed in the evidence set for specific terms, but it is not verified as an offer for all four horizons.

For an effective APY, APY = 1 + r n ^n − 1 , where r is a nominal annual rate and n is the number of compounding periods. For this illustration, the APY is used directly as an effective annual yield with geometric fractional-year compounding:

earnings = principal × 1 + 0.0425 ^ months 12 − 1

The calculation assumes the APY remains constant, interest stays in the account, and no additional deposits are made. Values are rounded to cents after calculation and exclude taxes, fees, and early-withdrawal penalties. Actual maturity proceeds can differ under an issuer’s compounding frequency, day-count convention, interest-payment option, and disclosure terms.

Principal 3 months 6 months 12 months 24 months ---: ---: ---: ---: ---: $1,000 $10.46 $21.03 $42.50 $86.81 $10,000 $104.60 $210.29 $425.00 $868.06 $25,000 $261.49 $525.72 $1,062.50 $2,170.16

Methodology and caveats

The bounded review covered 17 CD or share-certificate candidates. A candidate entered the strict ranking only when all six comparison fields were supported: current APY, term, minimum deposit, availability or eligibility, FDIC or NCUA insurance, and early-withdrawal penalty.
Primary institution pages and official insurance evidence were required for promotion. Secondary rate tables and search-discovered pages were used for context only.
Dynamic or blank rate tables, future-dated rate footnotes, missing geographic rules, and incomplete penalty schedules were treated as unresolved—not inferred.
The 4.25% FNBA offer is a 120-month rate. Its displayed 12-month rate is 3.95% and its displayed 13-month rate is 4.05%; rates for different terms should not be substituted for one another.
No comparable prior snapshot was available, so this report does not identify a new leader or a rate change.

Insurance and source notes

Bank CDs are generally covered by the FDIC up to applicable limits when held at an insured institution; federally insured credit-union share certificates are covered by the NCUA Share Insurance Fund under applicable ownership limits. General insurance references do not replace institution- and product-specific evidence in the ranking. FDIC insured deposit products; FDIC deposit insurance; NCUA share-insurance coverage

Report details

<small As of: 2026-08-08 UTC. Coverage: bounded review of 17 national-online consumer CD or share-certificate candidates. Loop: Daily Top CD Rates. Run: looprun-9edb09b7-dbe7-41a2-aacd-f8cb3a7daded. Session: Draft the top CD rates report. Owner: General Codex. Status: publication candidate pending current-run evaluation; no external publication is claimed.< small