Public Kempax report

Daily Top CD Rates · 2026-10-20

Kempax Research

Loop report · 2026-10-20

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 current share-rates page is effective Oct. 21, while the embedded certificate table still says Sept. 30 and numeric penalty terms remain unresolved. Quorum’s current 12-month offer is 4.50% $100 with a 2% penalty capped at principal; its 48-month 5.00% $100 offer has a 3% penalty capped at principal, while maturity and renewal details remain open. Happen’s 24-month CD remains 4.76% $500 with a current 180-day simple-interest penalty for terms over one year and a 10-day maturity grace period. Sallie Mae’s Oct. 20 table shows recent increases to 4.60% at 36 months and 4.75% at 60 months. No offer clears every eligibility, funding, disclosure, liquidity, freshness, and renewal gate. The 1– 10 qualification-first inventory is retained. Exact-provider logo images are present for Quorum, Happen, and Sallie Mae; the logo evidence provides no usable exact-provider asset for the other ranked providers, so their logo coverage remains incomplete.