Public Kempax report

Daily Top CD Rates · 2026-09-12

Kempax Research

Loop report · 2026-09-12

Daily Top CD Rates: no offer clears every gate; Raymond James is 4.75% held and Quorum is the best-supported small-minimum route

Quorum’s 12-month display remains the best-supported small-minimum route at 4.35% APY, but no current candidate clears every publication gate. Raymond James Bank’s highest displayed row is 4.75% APY for 60 months, but brokerage advisor access and an unresolved early-withdrawal formula keep it held; the exact current-versus-baseline match is unchanged at 0 basis points. Credit One’s exact 18-month row remains 4.45% APY with a $100,000 minimum; its earlier +10-basis-point move was already recorded in the baseline, and missing product-level state-scope evidence keeps it conditional. NASA Federal’s dated 49-month special is 4.30% APY and requires $10,000 of new external funds during Sep. 1–30; other displayed rates remain held when access, funding, penalty, freshness, or disclosure evidence is incomplete. Popular Direct, Happen, FNBA, Sallie Mae, and Credit One have issuer-specific logo candidates pending image-display and rights review, while the other visible held providers retain explicit logo holds. No new leader or genuine exact provider-term APY increase decrease was verified; unmatched rows are not withdrawals or decreases.