Public Kempax report

Daily Top CD Rates · 2026-10-26

Kempax Research

Loop report · 2026-10-26

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

Oct. 27 issuer-source refresh: Congressional Federal remains the conditional leader at 6.00% APY for 12 months with a $100 minimum, $1,000 balance cap and one account per member; its rate page is effective Oct. 27, while the product-page rate table remains dated Sept. 30 and numeric penalty and rollover terms are unknown. Quorum displays 4.50% at 12 months and 5.00% at 48 months, each at $100, with no exact-term movement; its current fee schedule gives a 3% early-withdrawal penalty for 25+ months, capped at original principal, pending confirmation in signed account terms. Happen remains 4.76% at 24 months on a rate chart accurate Oct. 26; the current numeric penalty and principal treatment were not captured. Sallie Mae displays 5.00% at 60 months, 4.60% at 36 months and 4.50% at 12–30 months with a $2,500 minimum, but the current page has no effective date in the captured text. No new exact-term movement or verified withdrawal was established. The focused refresh does not establish a complete national market census, and no offer clears every access, funding, disclosure, liquidity and renewal gate.