{
 "api": "v1",
 "updated": "2026-11-06",
 "attribution": "Source: Movable Capital (movablecapital.com), rates verified at each provider’s own page on the date shown.",
 "license": {
  "name": "CC BY 4.0",
  "url": "https://creativecommons.org/licenses/by/4.0/"
 },
 "docs": "https://www.movablecapital.com/developers",
 "rates": [
  {
   "id": "sallie-mae-cd-60m",
   "provider": "Sallie Mae Bank",
   "name": "Sallie Mae Bank 5-year CD",
   "termMonths": 60,
   "noPenalty": false,
   "ratePct": 5,
   "minimum": 2500,
   "penalty": "Applies; amount not listed on the rate page",
   "verifiedOn": "2026-11-02",
   "rateAsOf": "2026-11-02",
   "sourceUrl": "https://www.salliemae.com/savings/rate-table/",
   "protection": "FDIC: standard $250k per depositor",
   "citeUrl": "https://www.movablecapital.com/cd-rates"
  },
  {
   "id": "quorum-fcu-60m",
   "provider": "Quorum Federal Credit Union",
   "name": "Quorum Federal Credit Union 5-year CD",
   "termMonths": 60,
   "noPenalty": false,
   "ratePct": 5,
   "minimum": 100,
   "penalty": "Applies; amount not listed on the rate page",
   "verifiedOn": "2026-11-02",
   "rateAsOf": "2026-10-19",
   "sourceUrl": "https://www.quorumfcu.org/rates",
   "protection": "NCUA: standard $250k per member",
   "citeUrl": "https://www.movablecapital.com/cd-rates"
  },
  {
   "id": "cfg-bank-24m",
   "provider": "CFG Bank",
   "name": "CFG Bank 2-year CD",
   "termMonths": 24,
   "noPenalty": false,
   "ratePct": 4.82,
   "minimum": 500,
   "penalty": "Applies; amount not listed on the rate page",
   "verifiedOn": "2026-11-02",
   "rateAsOf": "2026-10-27",
   "sourceUrl": "https://www.cfg.bank/our-cd-rates/",
   "protection": "FDIC: standard $250k per depositor",
   "citeUrl": "https://www.movablecapital.com/cd-rates"
  },
  {
   "id": "cfg-bank-60m",
   "provider": "CFG Bank",
   "name": "CFG Bank 5-year CD",
   "termMonths": 60,
   "noPenalty": false,
   "ratePct": 4.82,
   "minimum": 500,
   "penalty": "Applies; amount not listed on the rate page",
   "verifiedOn": "2026-11-02",
   "rateAsOf": "2026-10-27",
   "sourceUrl": "https://www.cfg.bank/our-cd-rates/",
   "protection": "FDIC: standard $250k per depositor",
   "citeUrl": "https://www.movablecapital.com/cd-rates"
  },
  {
   "id": "cfg-bank-12m",
   "provider": "CFG Bank",
   "name": "CFG Bank 1-year CD",
   "termMonths": 12,
   "noPenalty": false,
   "ratePct": 4.65,
   "minimum": 500,
   "penalty": "Applies; amount not listed on the rate page",
   "verifiedOn": "2026-11-02",
   "rateAsOf": "2026-10-27",
   "sourceUrl": "https://www.cfg.bank/our-cd-rates/",
   "protection": "FDIC: standard $250k per depositor",
   "citeUrl": "https://www.movablecapital.com/cd-rates"
  },
  {
   "id": "popular-direct-12m",
   "provider": "Popular Direct",
   "name": "Popular Direct 1-year CD",
   "termMonths": 12,
   "noPenalty": false,
   "ratePct": 4.6,
   "minimum": 10000,
   "penalty": "270 days' interest",
   "verifiedOn": "2026-11-02",
   "rateAsOf": "2026-10-26",
   "sourceUrl": "https://www.populardirect.com/products/cds/",
   "protection": "FDIC: standard $250k per depositor",
   "citeUrl": "https://www.movablecapital.com/cd-rates"
  },
  {
   "id": "fnba-60m",
   "provider": "First National Bank of America",
   "name": "First National Bank of America 5-year CD",
   "termMonths": 60,
   "noPenalty": false,
   "ratePct": 4.6,
   "minimum": 1000,
   "penalty": "Applies; amount not listed on the rate page",
   "verifiedOn": "2026-11-02",
   "rateAsOf": "2026-11-02",
   "sourceUrl": "https://www.fnba.com/deposit-rates/online/",
   "protection": "FDIC: standard $250k per depositor",
   "citeUrl": "https://www.movablecapital.com/cd-rates"
  },
  {
   "id": "rising-bank-12m",
   "provider": "Rising Bank",
   "name": "Rising Bank 1-year CD",
   "termMonths": 12,
   "noPenalty": false,
   "ratePct": 4.51,
   "minimum": 1000,
   "penalty": "Applies; amount not listed on the rate page",
   "verifiedOn": "2026-11-02",
   "rateAsOf": "2026-11-02",
   "sourceUrl": "https://www.risingbank.com/rates/",
   "protection": "FDIC: standard $250k per depositor",
   "citeUrl": "https://www.movablecapital.com/cd-rates"
  },
  {
   "id": "cibc-agility-12m",
   "provider": "CIBC Agility",
   "name": "CIBC Agility 1-year CD",
   "termMonths": 12,
   "noPenalty": false,
   "ratePct": 4.5,
   "minimum": 1000,
   "penalty": "up to 30 days' interest",
   "verifiedOn": "2026-11-02",
   "rateAsOf": null,
   "sourceUrl": "https://us.cibc.com/en/agility/certificates-of-deposit.html",
   "protection": "FDIC: standard $250k per depositor",
   "citeUrl": "https://www.movablecapital.com/cd-rates"
  },
  {
   "id": "sallie-mae-cd-12m",
   "provider": "Sallie Mae Bank",
   "name": "Sallie Mae Bank 1-year CD",
   "termMonths": 12,
   "noPenalty": false,
   "ratePct": 4.5,
   "minimum": 2500,
   "penalty": "Applies; amount not listed on the rate page",
   "verifiedOn": "2026-11-02",
   "rateAsOf": "2026-11-02",
   "sourceUrl": "https://www.salliemae.com/savings/rate-table/",
   "protection": "FDIC: standard $250k per depositor",
   "citeUrl": "https://www.movablecapital.com/cd-rates"
  },
  {
   "id": "sallie-mae-cd-24m",
   "provider": "Sallie Mae Bank",
   "name": "Sallie Mae Bank 2-year CD",
   "termMonths": 24,
   "noPenalty": false,
   "ratePct": 4.5,
   "minimum": 2500,
   "penalty": "Applies; amount not listed on the rate page",
   "verifiedOn": "2026-11-02",
   "rateAsOf": "2026-11-02",
   "sourceUrl": "https://www.salliemae.com/savings/rate-table/",
   "protection": "FDIC: standard $250k per depositor",
   "citeUrl": "https://www.movablecapital.com/cd-rates"
  },
  {
   "id": "quorum-fcu-12m",
   "provider": "Quorum Federal Credit Union",
   "name": "Quorum Federal Credit Union 1-year CD",
   "termMonths": 12,
   "noPenalty": false,
   "ratePct": 4.5,
   "minimum": 100,
   "penalty": "Applies; amount not listed on the rate page",
   "verifiedOn": "2026-11-02",
   "rateAsOf": "2026-10-19",
   "sourceUrl": "https://www.quorumfcu.org/rates",
   "protection": "NCUA: standard $250k per member",
   "citeUrl": "https://www.movablecapital.com/cd-rates"
  },
  {
   "id": "fnba-12m",
   "provider": "First National Bank of America",
   "name": "First National Bank of America 1-year CD",
   "termMonths": 12,
   "noPenalty": false,
   "ratePct": 4.45,
   "minimum": 1000,
   "penalty": "Applies; amount not listed on the rate page",
   "verifiedOn": "2026-11-02",
   "rateAsOf": "2026-11-02",
   "sourceUrl": "https://www.fnba.com/deposit-rates/online/",
   "protection": "FDIC: standard $250k per depositor",
   "citeUrl": "https://www.movablecapital.com/cd-rates"
  },
  {
   "id": "marcus-cd-12m",
   "provider": "Marcus by Goldman Sachs",
   "name": "Marcus by Goldman Sachs 1-year CD",
   "termMonths": 12,
   "noPenalty": false,
   "ratePct": 4.4,
   "minimum": 500,
   "penalty": "Applies; amount not listed on the rate page",
   "verifiedOn": "2026-10-27",
   "rateAsOf": "2026-10-27",
   "sourceUrl": "https://www.marcus.com/us/en/savings/high-yield-cds/cd-rates",
   "protection": "FDIC: standard $250k per depositor",
   "citeUrl": "https://www.movablecapital.com/cd-rates"
  },
  {
   "id": "marcus-cd-24m",
   "provider": "Marcus by Goldman Sachs",
   "name": "Marcus by Goldman Sachs 2-year CD",
   "termMonths": 24,
   "noPenalty": false,
   "ratePct": 4.4,
   "minimum": 500,
   "penalty": "Applies; amount not listed on the rate page",
   "verifiedOn": "2026-10-27",
   "rateAsOf": "2026-10-27",
   "sourceUrl": "https://www.marcus.com/us/en/savings/high-yield-cds/cd-rates",
   "protection": "FDIC: standard $250k per depositor",
   "citeUrl": "https://www.movablecapital.com/cd-rates"
  },
  {
   "id": "marcus-cd-60m",
   "provider": "Marcus by Goldman Sachs",
   "name": "Marcus by Goldman Sachs 5-year CD",
   "termMonths": 60,
   "noPenalty": false,
   "ratePct": 4.4,
   "minimum": 500,
   "penalty": "Applies; amount not listed on the rate page",
   "verifiedOn": "2026-10-27",
   "rateAsOf": "2026-10-27",
   "sourceUrl": "https://www.marcus.com/us/en/savings/high-yield-cds/cd-rates",
   "protection": "FDIC: standard $250k per depositor",
   "citeUrl": "https://www.movablecapital.com/cd-rates"
  },
  {
   "id": "vio-bank-24m",
   "provider": "Vio Bank",
   "name": "Vio Bank 2-year CD",
   "termMonths": 24,
   "noPenalty": false,
   "ratePct": 4.4,
   "minimum": 500,
   "penalty": "Applies; amount not listed on the rate page",
   "verifiedOn": "2026-11-02",
   "rateAsOf": "2026-10-23",
   "sourceUrl": "https://www.viobank.com/online-cd",
   "protection": "FDIC: standard $250k per depositor",
   "citeUrl": "https://www.movablecapital.com/cd-rates"
  },
  {
   "id": "quorum-fcu-6m",
   "provider": "Quorum Federal Credit Union",
   "name": "Quorum Federal Credit Union 6-month CD",
   "termMonths": 6,
   "noPenalty": false,
   "ratePct": 4.4,
   "minimum": 100,
   "penalty": "Applies; amount not listed on the rate page",
   "verifiedOn": "2026-11-02",
   "rateAsOf": "2026-10-19",
   "sourceUrl": "https://www.quorumfcu.org/rates",
   "protection": "NCUA: standard $250k per member",
   "citeUrl": "https://www.movablecapital.com/cd-rates"
  },
  {
   "id": "fnba-24m",
   "provider": "First National Bank of America",
   "name": "First National Bank of America 2-year CD",
   "termMonths": 24,
   "noPenalty": false,
   "ratePct": 4.4,
   "minimum": 1000,
   "penalty": "Applies; amount not listed on the rate page",
   "verifiedOn": "2026-11-02",
   "rateAsOf": "2026-11-02",
   "sourceUrl": "https://www.fnba.com/deposit-rates/online/",
   "protection": "FDIC: standard $250k per depositor",
   "citeUrl": "https://www.movablecapital.com/cd-rates"
  },
  {
   "id": "popular-direct-6m",
   "provider": "Popular Direct",
   "name": "Popular Direct 6-month CD",
   "termMonths": 6,
   "noPenalty": false,
   "ratePct": 4.35,
   "minimum": 10000,
   "penalty": "120 days' interest",
   "verifiedOn": "2026-11-02",
   "rateAsOf": "2026-10-26",
   "sourceUrl": "https://www.populardirect.com/products/cds/",
   "protection": "FDIC: standard $250k per depositor",
   "citeUrl": "https://www.movablecapital.com/cd-rates"
  },
  {
   "id": "cibc-agility-24m",
   "provider": "CIBC Agility",
   "name": "CIBC Agility 2-year CD",
   "termMonths": 24,
   "noPenalty": false,
   "ratePct": 4.35,
   "minimum": 1000,
   "penalty": "up to 30 days' interest",
   "verifiedOn": "2026-11-02",
   "rateAsOf": null,
   "sourceUrl": "https://us.cibc.com/en/agility/certificates-of-deposit.html",
   "protection": "FDIC: standard $250k per depositor",
   "citeUrl": "https://www.movablecapital.com/cd-rates"
  },
  {
   "id": "bask-bank-12m",
   "provider": "Bask Bank",
   "name": "Bask Bank 1-year CD",
   "termMonths": 12,
   "noPenalty": false,
   "ratePct": 4.35,
   "minimum": 1000,
   "penalty": "Applies; amount not listed on the rate page",
   "verifiedOn": "2026-11-02",
   "rateAsOf": null,
   "sourceUrl": "https://baskbank.com/products/certificates-of-deposit",
   "protection": "FDIC: standard $250k per depositor",
   "citeUrl": "https://www.movablecapital.com/cd-rates"
  },
  {
   "id": "colorado-federal-12m",
   "provider": "Colorado Federal Savings Bank",
   "name": "Colorado Federal Savings Bank 1-year CD",
   "termMonths": 12,
   "noPenalty": false,
   "ratePct": 4.35,
   "minimum": 5000,
   "penalty": "Applies; amount not listed on the rate page",
   "verifiedOn": "2026-11-02",
   "rateAsOf": "2026-10-15",
   "sourceUrl": "https://www.coloradofederalbank.com/deposits",
   "protection": "FDIC: standard $250k per depositor",
   "citeUrl": "https://www.movablecapital.com/cd-rates"
  },
  {
   "id": "rising-bank-24m",
   "provider": "Rising Bank",
   "name": "Rising Bank 2-year CD",
   "termMonths": 24,
   "noPenalty": false,
   "ratePct": 4.3,
   "minimum": 1000,
   "penalty": "Applies; amount not listed on the rate page",
   "verifiedOn": "2026-11-02",
   "rateAsOf": "2026-11-02",
   "sourceUrl": "https://www.risingbank.com/rates/",
   "protection": "FDIC: standard $250k per depositor",
   "citeUrl": "https://www.movablecapital.com/cd-rates"
  },
  {
   "id": "vio-bank-12m",
   "provider": "Vio Bank",
   "name": "Vio Bank 1-year CD",
   "termMonths": 12,
   "noPenalty": false,
   "ratePct": 4.3,
   "minimum": 500,
   "penalty": "Applies; amount not listed on the rate page",
   "verifiedOn": "2026-11-02",
   "rateAsOf": "2026-10-23",
   "sourceUrl": "https://www.viobank.com/online-cd",
   "protection": "FDIC: standard $250k per depositor",
   "citeUrl": "https://www.movablecapital.com/cd-rates"
  },
  {
   "id": "bask-bank-24m",
   "provider": "Bask Bank",
   "name": "Bask Bank 2-year CD",
   "termMonths": 24,
   "noPenalty": false,
   "ratePct": 4.3,
   "minimum": 1000,
   "penalty": "Applies; amount not listed on the rate page",
   "verifiedOn": "2026-11-02",
   "rateAsOf": null,
   "sourceUrl": "https://baskbank.com/products/certificates-of-deposit",
   "protection": "FDIC: standard $250k per depositor",
   "citeUrl": "https://www.movablecapital.com/cd-rates"
  },
  {
   "id": "tab-bank-60m",
   "provider": "TAB Bank",
   "name": "TAB Bank 5-year CD",
   "termMonths": 60,
   "noPenalty": false,
   "ratePct": 4.2,
   "minimum": 1000,
   "penalty": "Applies; amount not listed on the rate page",
   "verifiedOn": "2026-11-02",
   "rateAsOf": "2026-11-02",
   "sourceUrl": "https://www.tabbank.com/cd-rates-terms/",
   "protection": "FDIC: standard $250k per depositor",
   "citeUrl": "https://www.movablecapital.com/cd-rates"
  },
  {
   "id": "texas-capital-12m",
   "provider": "Texas Capital Bank",
   "name": "Texas Capital Bank 1-year CD",
   "termMonths": 12,
   "noPenalty": false,
   "ratePct": 4.2,
   "minimum": 1000,
   "penalty": "Applies; amount not listed on the rate page",
   "verifiedOn": "2026-11-02",
   "rateAsOf": null,
   "sourceUrl": "https://www.texascapitalbank.com/resources/rates.html",
   "protection": "FDIC: standard $250k per depositor",
   "citeUrl": "https://www.movablecapital.com/cd-rates"
  },
  {
   "id": "colorado-federal-24m",
   "provider": "Colorado Federal Savings Bank",
   "name": "Colorado Federal Savings Bank 2-year CD",
   "termMonths": 24,
   "noPenalty": false,
   "ratePct": 4.2,
   "minimum": 5000,
   "penalty": "Applies; amount not listed on the rate page",
   "verifiedOn": "2026-11-02",
   "rateAsOf": "2026-10-15",
   "sourceUrl": "https://www.coloradofederalbank.com/deposits",
   "protection": "FDIC: standard $250k per depositor",
   "citeUrl": "https://www.movablecapital.com/cd-rates"
  },
  {
   "id": "tab-bank-24m",
   "provider": "TAB Bank",
   "name": "TAB Bank 2-year CD",
   "termMonths": 24,
   "noPenalty": false,
   "ratePct": 4.15,
   "minimum": 1000,
   "penalty": "Applies; amount not listed on the rate page",
   "verifiedOn": "2026-11-02",
   "rateAsOf": "2026-11-02",
   "sourceUrl": "https://www.tabbank.com/cd-rates-terms/",
   "protection": "FDIC: standard $250k per depositor",
   "citeUrl": "https://www.movablecapital.com/cd-rates"
  },
  {
   "id": "colorado-federal-6m",
   "provider": "Colorado Federal Savings Bank",
   "name": "Colorado Federal Savings Bank 6-month CD",
   "termMonths": 6,
   "noPenalty": false,
   "ratePct": 4.15,
   "minimum": 5000,
   "penalty": "Applies; amount not listed on the rate page",
   "verifiedOn": "2026-11-02",
   "rateAsOf": "2026-10-15",
   "sourceUrl": "https://www.coloradofederalbank.com/deposits",
   "protection": "FDIC: standard $250k per depositor",
   "citeUrl": "https://www.movablecapital.com/cd-rates"
  },
  {
   "id": "rising-bank-6m",
   "provider": "Rising Bank",
   "name": "Rising Bank 6-month CD",
   "termMonths": 6,
   "noPenalty": false,
   "ratePct": 4.05,
   "minimum": 1000,
   "penalty": "Applies; amount not listed on the rate page",
   "verifiedOn": "2026-11-02",
   "rateAsOf": "2026-11-02",
   "sourceUrl": "https://www.risingbank.com/rates/",
   "protection": "FDIC: standard $250k per depositor",
   "citeUrl": "https://www.movablecapital.com/cd-rates"
  },
  {
   "id": "tab-bank-12m",
   "provider": "TAB Bank",
   "name": "TAB Bank 1-year CD",
   "termMonths": 12,
   "noPenalty": false,
   "ratePct": 4.05,
   "minimum": 1000,
   "penalty": "Applies; amount not listed on the rate page",
   "verifiedOn": "2026-11-02",
   "rateAsOf": "2026-11-02",
   "sourceUrl": "https://www.tabbank.com/cd-rates-terms/",
   "protection": "FDIC: standard $250k per depositor",
   "citeUrl": "https://www.movablecapital.com/cd-rates"
  },
  {
   "id": "colorado-federal-60m",
   "provider": "Colorado Federal Savings Bank",
   "name": "Colorado Federal Savings Bank 5-year CD",
   "termMonths": 60,
   "noPenalty": false,
   "ratePct": 4.05,
   "minimum": 5000,
   "penalty": "Applies; amount not listed on the rate page",
   "verifiedOn": "2026-11-02",
   "rateAsOf": "2026-10-15",
   "sourceUrl": "https://www.coloradofederalbank.com/deposits",
   "protection": "FDIC: standard $250k per depositor",
   "citeUrl": "https://www.movablecapital.com/cd-rates"
  },
  {
   "id": "cibc-agility-6m",
   "provider": "CIBC Agility",
   "name": "CIBC Agility 6-month CD",
   "termMonths": 6,
   "noPenalty": false,
   "ratePct": 4,
   "minimum": 1000,
   "penalty": "up to 30 days' interest",
   "verifiedOn": "2026-11-02",
   "rateAsOf": null,
   "sourceUrl": "https://us.cibc.com/en/agility/certificates-of-deposit.html",
   "protection": "FDIC: standard $250k per depositor",
   "citeUrl": "https://www.movablecapital.com/cd-rates"
  },
  {
   "id": "marcus-cd-np11",
   "provider": "Marcus by Goldman Sachs",
   "name": "Marcus by Goldman Sachs 11-month No-Penalty CD",
   "termMonths": 11,
   "noPenalty": true,
   "ratePct": 4,
   "minimum": 500,
   "penalty": "None",
   "verifiedOn": "2026-10-27",
   "rateAsOf": "2026-10-27",
   "sourceUrl": "https://www.marcus.com/us/en/savings/high-yield-cds/cd-rates",
   "protection": "FDIC: standard $250k per depositor",
   "citeUrl": "https://www.movablecapital.com/cd-rates"
  },
  {
   "id": "quorum-fcu-24m",
   "provider": "Quorum Federal Credit Union",
   "name": "Quorum Federal Credit Union 2-year CD",
   "termMonths": 24,
   "noPenalty": false,
   "ratePct": 4,
   "minimum": 100,
   "penalty": "Applies; amount not listed on the rate page",
   "verifiedOn": "2026-11-02",
   "rateAsOf": "2026-10-19",
   "sourceUrl": "https://www.quorumfcu.org/rates",
   "protection": "NCUA: standard $250k per member",
   "citeUrl": "https://www.movablecapital.com/cd-rates"
  },
  {
   "id": "fnba-6m",
   "provider": "First National Bank of America",
   "name": "First National Bank of America 6-month CD",
   "termMonths": 6,
   "noPenalty": false,
   "ratePct": 4,
   "minimum": 1000,
   "penalty": "Applies; amount not listed on the rate page",
   "verifiedOn": "2026-11-02",
   "rateAsOf": "2026-11-02",
   "sourceUrl": "https://www.fnba.com/deposit-rates/online/",
   "protection": "FDIC: standard $250k per depositor",
   "citeUrl": "https://www.movablecapital.com/cd-rates"
  },
  {
   "id": "marcus-cd-6m",
   "provider": "Marcus by Goldman Sachs",
   "name": "Marcus by Goldman Sachs 6-month CD",
   "termMonths": 6,
   "noPenalty": false,
   "ratePct": 3.95,
   "minimum": 500,
   "penalty": "Applies; amount not listed on the rate page",
   "verifiedOn": "2026-10-27",
   "rateAsOf": "2026-10-27",
   "sourceUrl": "https://www.marcus.com/us/en/savings/high-yield-cds/cd-rates",
   "protection": "FDIC: standard $250k per depositor",
   "citeUrl": "https://www.movablecapital.com/cd-rates"
  },
  {
   "id": "bask-bank-6m",
   "provider": "Bask Bank",
   "name": "Bask Bank 6-month CD",
   "termMonths": 6,
   "noPenalty": false,
   "ratePct": 3.9,
   "minimum": 1000,
   "penalty": "Applies; amount not listed on the rate page",
   "verifiedOn": "2026-11-02",
   "rateAsOf": null,
   "sourceUrl": "https://baskbank.com/products/certificates-of-deposit",
   "protection": "FDIC: standard $250k per depositor",
   "citeUrl": "https://www.movablecapital.com/cd-rates"
  },
  {
   "id": "vio-bank-6m",
   "provider": "Vio Bank",
   "name": "Vio Bank 6-month CD",
   "termMonths": 6,
   "noPenalty": false,
   "ratePct": 3.85,
   "minimum": 500,
   "penalty": "Applies; amount not listed on the rate page",
   "verifiedOn": "2026-11-02",
   "rateAsOf": "2026-10-23",
   "sourceUrl": "https://www.viobank.com/online-cd",
   "protection": "FDIC: standard $250k per depositor",
   "citeUrl": "https://www.movablecapital.com/cd-rates"
  },
  {
   "id": "marcus-cd-np13",
   "provider": "Marcus by Goldman Sachs",
   "name": "Marcus by Goldman Sachs 13-month No-Penalty CD",
   "termMonths": 13,
   "noPenalty": true,
   "ratePct": 3.8,
   "minimum": 500,
   "penalty": "None",
   "verifiedOn": "2026-10-27",
   "rateAsOf": "2026-10-27",
   "sourceUrl": "https://www.marcus.com/us/en/savings/high-yield-cds/cd-rates",
   "protection": "FDIC: standard $250k per depositor",
   "citeUrl": "https://www.movablecapital.com/cd-rates"
  },
  {
   "id": "texas-capital-6m",
   "provider": "Texas Capital Bank",
   "name": "Texas Capital Bank 6-month CD",
   "termMonths": 6,
   "noPenalty": false,
   "ratePct": 3.8,
   "minimum": 1000,
   "penalty": "Applies; amount not listed on the rate page",
   "verifiedOn": "2026-11-02",
   "rateAsOf": null,
   "sourceUrl": "https://www.texascapitalbank.com/resources/rates.html",
   "protection": "FDIC: standard $250k per depositor",
   "citeUrl": "https://www.movablecapital.com/cd-rates"
  },
  {
   "id": "rising-bank-np15",
   "provider": "Rising Bank",
   "name": "Rising Bank 15-month No-Penalty CD",
   "termMonths": 15,
   "noPenalty": true,
   "ratePct": 3.75,
   "minimum": 1000,
   "penalty": "None",
   "verifiedOn": "2026-11-02",
   "rateAsOf": "2026-11-02",
   "sourceUrl": "https://www.risingbank.com/rates/",
   "protection": "FDIC: standard $250k per depositor",
   "citeUrl": "https://www.movablecapital.com/cd-rates"
  },
  {
   "id": "marcus-cd-np7",
   "provider": "Marcus by Goldman Sachs",
   "name": "Marcus by Goldman Sachs 7-month No-Penalty CD",
   "termMonths": 7,
   "noPenalty": true,
   "ratePct": 3.75,
   "minimum": 500,
   "penalty": "None",
   "verifiedOn": "2026-10-27",
   "rateAsOf": "2026-10-27",
   "sourceUrl": "https://www.marcus.com/us/en/savings/high-yield-cds/cd-rates",
   "protection": "FDIC: standard $250k per depositor",
   "citeUrl": "https://www.movablecapital.com/cd-rates"
  },
  {
   "id": "texas-capital-24m",
   "provider": "Texas Capital Bank",
   "name": "Texas Capital Bank 2-year CD",
   "termMonths": 24,
   "noPenalty": false,
   "ratePct": 3.6,
   "minimum": 1000,
   "penalty": "Applies; amount not listed on the rate page",
   "verifiedOn": "2026-11-02",
   "rateAsOf": null,
   "sourceUrl": "https://www.texascapitalbank.com/resources/rates.html",
   "protection": "FDIC: standard $250k per depositor",
   "citeUrl": "https://www.movablecapital.com/cd-rates"
  },
  {
   "id": "sallie-mae-cd-6m",
   "provider": "Sallie Mae Bank",
   "name": "Sallie Mae Bank 6-month CD",
   "termMonths": 6,
   "noPenalty": false,
   "ratePct": 3.2,
   "minimum": 2500,
   "penalty": "Applies; amount not listed on the rate page",
   "verifiedOn": "2026-11-02",
   "rateAsOf": "2026-11-02",
   "sourceUrl": "https://www.salliemae.com/savings/rate-table/",
   "protection": "FDIC: standard $250k per depositor",
   "citeUrl": "https://www.movablecapital.com/cd-rates"
  },
  {
   "id": "vio-bank-60m",
   "provider": "Vio Bank",
   "name": "Vio Bank 5-year CD",
   "termMonths": 60,
   "noPenalty": false,
   "ratePct": 2.75,
   "minimum": 500,
   "penalty": "Applies; amount not listed on the rate page",
   "verifiedOn": "2026-11-02",
   "rateAsOf": "2026-10-23",
   "sourceUrl": "https://www.viobank.com/online-cd",
   "protection": "FDIC: standard $250k per depositor",
   "citeUrl": "https://www.movablecapital.com/cd-rates"
  }
 ]
}