Public Kempax report

Daily Top CD Rates · 2026-10-06

Kempax Research

Loop report · 2026-10-06

Daily Top CD Rates: no offer clears every gate; Congressional Federal leads the conditional screen at 6.00%

Congressional Federal’s one-year Flexible Saver remains the conditional screen leader at 6.00% APY with a $100 minimum, a $1,000 balance cap, and one account per member; its share-rates page is effective Oct. 6, but the embedded product block says 9 30 2026 and the numeric penalty remains unresolved. Quorum’s 12-month certificate remains 4.50% APY at $100, with the current Oct. 7 term-savings read confirming the row while the exact 12-month penalty, product date, maturity handling, and member-tier parity remain open. Happen’s 24-month personal CD remains 4.40% APY at $500; the current Oct. 7 read carries a 10-day maturity grace period, while the current page does not expose a complete penalty formula or principal treatment and prior long-term penalty context is not substituted. NASA’s 49-month special remains 4.55% APY with a $10,000 new-external-funds window through Oct. 31; the current Oct. 7 read shows no new APY movement, and long-term penalty evidence remains held. Hanscom’s newly recorded 12-month certificate displays 4.50% APY at $1,000 through an American Consumer Council route, but its exact penalty, principal, maturity, and renewal terms remain open. Nuvision’s 7-month 5.00% certificate remains capped at $5,000, requires new money and a membership route, and ends Dec. 31, 2026; the Oct. 7 offer-page read reconfirmed the same offer with APYs accurate Oct. 1, while its general disclosure is stale and the product penalty remains unread. No current offer clears every access, funding, disclosure, insurance, liquidity, freshness, and renewal gate. The qualification-first 1– 10 list has no fully qualified row. Popular Direct’s same online $10,000 tier remains the carried exact-match repricing: 24 36 48 60-month APYs are 4.70% 4.85% 4.95% 5.00% +5 +5 +10 +5 bp on a page effective Oct. 5 and first observed Oct. 6; access, term-specific penalty, possible principal treatment, and renewal remain held, and no new Oct. 7 movement was accepted. E TRADE’s current 12-month display is 4.75% with no stated minimum and a limited-time Oct. 19 expiry; its observed +35 bp against the prior 4.40% remains a separate conditional display, not a qualification change. Raymond James’ 60 48 36 24 18-month displays remain 5.20% 5.10% 5.05% 4.98% 4.90% +20 +15 +20 +28 +25 bp , held behind investment-client access and nonnumeric penalty language. FNBA’s 120-month row remains 4.65% versus the prior 4.60% reconciliation hold. No new accepted like-for-like movement, verified decrease, or withdrawal was found. The exact-provider logo review identifies eleven candidate URLs—seven retained candidates plus Happen, Summit, Wings, and FourLeaf—and the remaining target providers retain explicit logo holds; all candidates remain subject to display and rights review.