Public Kempax report

Daily Top CD Rates · 2026-09-18

Kempax Research

Loop report · 2026-09-18

Daily Top CD Rates: no offer clears every gate; Quorum leads the qualification-first list at 4.35% APY

Quorum’s 12-month term account is the strongest low-minimum conditional route in this screen at 4.35% APY with a $100 minimum, but no current candidate clears every publication gate. Its exact provider-term match is unchanged at 4.35% versus the immutable baseline, while the effective date and product scope still need confirmation. Happen’s 24-month CD is the strongest current bank evidence package at 4.40% APY with a $500 minimum, and Connexus remains the clearest broad-U.S.-access route at 4.00% APY with a $5,000 minimum; both remain conditional. Consumers, Alliant, Service, NASA, Sallie Mae, and FourLeaf retain explicit access, freshness, funding, penalty, renewal, or disclosure gates. Popular Direct’s highest current bank display is 4.50% APY for 36, 48, and 60 months but stays held because the $10,000 minimum, geographic caveat, and exact penalty disclosure are unresolved. The baseline Congressional Federal 6.00% Flexible Saver observation remains held outside the numbered list because its $1,000 balance cap, one-per-membership limit, date conflict, and unreadable current penalty disclosure remain unresolved. Five exact provider-specific logo candidates are attached to matching ranked items; the other five ranked providers retain explicit logo holds. Held-bank comparisons show Raymond James increases of +20 +25 basis points and E TRADE increases of +20 +5 +5 basis points versus the pinned baseline; BTG Pactual’s +5-basis-point 48 60-month movement is provisional because its selector has no printed effective date. No decrease or withdrawal was verified; current-only rows are not withdrawals or decreases.