Public Kempax report

Daily Top CD Rates · 2026-09-02

Kempax Research

Loop report · 2026-09-02

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

Twenty-two current FDIC- or NCUA-insured product-term observations were screened; 12 clear the rate, funding, access, early-withdrawal, and insurance gates 7 bank rows and 5 credit-union rows , while 10 remain held with their gates visible. The highest admitted 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 and explicit nationwide eligibility were not verified. Three newly tier-mapped Consumers Credit Union rows enter the admitted board, moving Happen’s 11-month row to 8, FNBA’s 18-month row to 9, and Alliant to 10. Sixteen exact like-for-like comparisons are unchanged at 0.00 percentage points 0 basis points; no verified APY increase or decrease is present. The top-ten board has two provider logo holds—Consumers and Alliant—and no substitute logo is used.