Public Kempax report

Daily Top CD Rates · 2026-08-08

Kempax Research

Loop report · 2026-08-08

Daily Top CD Rates — August 8, 2026

Among the bounded set reviewed on August 8, First National Bank of America FNBA is the only candidate that passes the current-rate, FDIC-insurance, national-availability, minimum-deposit, and early-withdrawal verification gates. Its highest verified displayed offer is 4.25% APY for 120 months ; the same rate page shows 3.95% for 12 months and 4.05% for 13 months . No prior comparable baseline was available, so this report makes no new-leader or rate-change claim. FNBA online CD rates

Strict verified ranking

Rank Institution product APY and term Minimum deposit National availability eligibility Early-withdrawal penalty Insurance ---: --- --- ---: --- --- --- 1 FNBA online CD 4.25% APY — 120 months ; also 4.05% at 13 months and 3.95% at 12 months rate page $1,000 minimum balance to obtain the APY rate page Personal online CDs; the CD page exposes a National region option. It does not enumerate every state FNBA CD page; online CD FAQ 720 days’ interest for the 120-month term; partial withdrawals are allowed and principal may be reduced online CD FAQ FDIC-insured up to applicable limits FNBA CD page; online CD FAQ

Coverage note

No other product is included in the strict ranking. Other displayed offers were excluded when national availability, snapshot-date rate confirmation, exact current APY and term, or penalty detail remained inconclusive. The bounded set therefore does not support a market-wide best-rate claim.

Report details

<small Snapshot: 2026-08-08 UTC; access window approximately 22:53 UTC. Scope: bounded review of national-online consumer CDs with FDIC- or NCUA-insurance evidence. Loop: Daily Top CD Rates. Run: looprun-287333aa-661d-4544-bd5d-c38244ceb391. Session: Draft the canonical ranked CD report. Owner: Kempax.< small