Public Kempax report

Daily Top CD Rates · 2026-09-01

Kempax Research

Loop report · 2026-09-01

Daily Top CD Rates: Happen Bank and Sallie Mae tie at 4.40% APY

Twelve current FDIC- or NCUA-insured product-term rows clear the current rate, funding, access, early-withdrawal, and insurance gates. The highest verified APY is 4.40%, shared by Happen Bank’s 24-month CD and Sallie Mae Bank’s 36- and 60-month CDs. Popular Direct displays 4.50% but remains held because its exact term-specific penalty schedule could not be verified. The top-ten board has two explicit logo holds—Alliant and Marcus lack verified standalone issuer-hosted image URLs—and no substitute logo is used. No like-for-like APY increase is verified; NASA’s comparable 49- and 15-month specials are each down 0.10 percentage point 10 basis points.