Public Kempax report

Daily Top CD Rates · 2026-10-24

Kempax Research

Loop report · 2026-10-24

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, $1,000 balance cap, and one account per member; its share-rates page is effective Oct. 25 while the embedded product table still says Sept. 30, and numeric penalty terms remain unresolved. Quorum’s product page revalidated 4.50% at 12 months and 5.00% at 48 months, each at $100, though its Oct. 19 rates-page extraction omits numeric APYs and key penalty, maturity, renewal, membership, and state terms remain open. Happen’s 24-month 4.76% $500 display is unchanged from the Oct. 24 baseline. NASA, Dow, Northwest, Consumers, and Affinity are carry-forward observations without Oct. 25 revalidation. Sallie Mae’s Oct. 25 page labels its repeated table accurate Oct. 26, so those values remain held for freshness; its prior +25 bp 60-month move is historical context. Alliant remains at 4.30% for 12 months on a page effective Oct. 15. No new exact-term movement or verified withdrawal was established. No offer clears every eligibility, funding, disclosure, liquidity, freshness, and renewal gate; the 1– 10 qualification-first inventory is retained.