Public Kempax report

Daily Top CD Rates · 2026-09-05

Kempax Research

Loop report · 2026-09-05

Daily Top CD Rates: Happen leads at 4.40% APY; higher displays remain held

Eight current FDIC- or NCUA-insured product-term rows clear the rate, funding, access, early-withdrawal, and insurance gates for the ranked screen, with stated access and source-readability caveats. Happen Bank leads the admitted set at 4.40% APY for 24 months; Credit One, NASA Federal, Happen, First National Bank of America, and Alliant follow on the current evidence. Raymond James Bank displays 4.60% and Popular Direct 4.50%, but both remain held because exact penalty and or national-access evidence is incomplete. Sallie Mae’s 4.40% display is also held because its issuer date is 2026-09-08, after this 2026-09-06 screen, and its current exact penalty was not surfaced. Twenty-one exact like-for-like comparisons are unchanged at 0.00 percentage points 0 basis points; no verified APY increase or decrease is present. Confirmed provider assets cover Happen, Credit One, and FNBA; NASA Federal, Alliant, and Raymond James retain explicit logo holds.