Public Kempax report

Daily Top CD Rates · 2026-10-22

Kempax Research

Loop report · 2026-10-22

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. 23, while the embedded certificate table still says Sept. 30 and numeric penalty terms remain unresolved. The latest accepted Quorum displays are 4.50% $100 at 12 months and 5.00% $100 at 48 months, but current numeric rates were omitted from today’s retrieved rate page, so these remain unconfirmed baseline observations. The latest accepted Happen observation is 4.76% $500 at 24 months; it was not revalidated in today’s bank screen. Today’s focused bank screen observed Credit One at 4.85% for 19 months $100,000 new money, T Bank at 4.70% for 12 months $25,000 online or $1,000 in branch, and Sallie Mae at 4.50% 12 months, 4.60% 36 months, and 4.75% 60 months. Sallie Mae’s 12- and 13-month rows rose 10 bp; its 36- and 60-month rows are unchanged. These observations remain conditional or held because the screen is incomplete and access, funding, penalty, or renewal terms remain open. No offer clears every eligibility, funding, disclosure, liquidity, freshness, and renewal gate. The 1– 10 qualification-first inventory is retained. Exact-provider logo candidates appear for Quorum, Happen, and Sallie Mae but current pixels display rights are unverified; no direct exact-provider image URL was verified for the other seven ranked providers, leaving their logo gaps unresolved.