Ngā reiti maakete moni pakihi i te tau 2026
Ngā reiti o nāianei mā ia pēke, te mea e huna ana e te nama matua, me te āhua o tana whakataurite ki te hua o te moni pūmau kua kapi.
Putanga o Hepetema 2026 · Arotake anō i Oketopa 2026 · I kohia ā-ringa te rōpū pēke
Te putanga poto
- Seven US institutions, tracked on the same product category and the same measure. Two rates were read at the source on 30 Sep 2026: Axos 3.50% APY and Live Oak 2.75% APY. Chase and Wells Fargo publish their rate only after a ZIP code. The other cells stay marked “To be sourced” until read and dated.
- For scale, the FDIC national average was 0.63% on money market accounts and 0.37% on savings as of September 21, 2026. The 3-month Treasury bill par yield was 4.25% on 29 Sep 2026.
- A money market account is a deposit at a bank. A money market fund is a security you own. Comparing their yields without saying which is which is the most common error in a treasury review.
- Ko te reiti pakihi e pānuitia ana he awhi, ehara i te toenga: ko ngā taumata, ngā itinga, ngā matapihi whakatairanga me te utu hononga kei waenganui i te upoko me tō pūkete.
- He kapekape te APY. Ko ngā utu tiaki, ngā utu whakawhiti taupānga me te whiwhinga whiwhinga kua riro mā te whakatau i te mea ka tae ki tō pūrongo moni whiwhi.
- Coinstancy Pro pays 6.00% with no lock and 6.75% at twelve months, in USD or USDC, with withdrawals within 48 hours. Rates as of September 2026. It is not FDIC insured.
Ngā reiti o tēnei marama, ia peke, ia peke.
Seven US institutions, tracked on the same product category and the same measure. Each rate is read on the institution’s own page and dated. On 30 Sep 2026, Axos published 3.50% APY and Live Oak 2.75% APY. Chase and Wells Fargo show their rate sheet only after a ZIP code is entered. The remaining cells stay marked “to be sourced”. We would rather show a gap than a number we cannot defend.
Each row is one institution of the September 2026 panel. Axos Business Premium Savings pays 3.50% APY flat from $0 to $4,999,999.99 with no minimum; the advertised “up to 3.60%” needs a bundled checking account and a promo code, so it is recorded as promotional. Live Oak Business Savings pays 2.75% APY, single rate, no minimum. Both were read on 30 Sep 2026. Chase and Wells Fargo publish their business savings rates only after a ZIP code is entered, and Bank of America, Capital One and First Internet Bank have not been read at the source yet: those rows show a hatched band and a status label instead of a bar. For scale, the FDIC national average was 0.63% on money market accounts and 0.37% on savings as of September 21, 2026, with the federal funds target range at 3.75% to 4.00% since September 17, 2026 (see Sources). Coinstancy Pro applies no tiering by balance, and its grid was verified on September 2026. The four columns, bank by bank, are in the table below.
Te papa, ia tīwae, ia tīwae
Coinstancy Pro is not a bank and is not FDIC insured. It appears in this table for yield comparison only. The rest of the grid (the introductory rate and the 3, 6, 9 and 12-month tiers, up to 6.75%) is on the rate barometer.
Pūtea mākete moni a te Kāwanatanga
Not verified this editionA registered fund holding Treasury bills, agency paper and repo. The quoted yield is already net of the expense ratio. Not a deposit, not FDIC insured, redeemable typically the same or next business day. The Vanguard VMFXX and Fidelity SPAXX fund pages could not be read on 30 Sep 2026, so no yield is printed here: check the current 7-day yield on the fund page.
Pūtea Kāwanatanga 3-marama
The rate a treasurer can lock directly, backed by the US government. No credit risk held to maturity, price risk if sold early. 4.25% is the 3-month par yield on the US Treasury daily curve for 29 Sep 2026 (see Sources). This is the floor any alternative should be measured against.
Coinstancy Pro, kāore he maukati
Covered stablecoin savings in USD or USDC, withdrawals available within 48 hours, KYB (Know Your Business verification) before the first deposit. Not FDIC insured. Eligible funds are covered through OpenCover for specific protocol events, subject to policy terms.
Pūkete mākete moni ki te pūtea mākete moni.
The names differ by one word and the instruments differ entirely. One is a deposit at a bank. The other is a security you own. Comparing their yields without noting that is the most common error in a treasury review.
| Criterion | Money market deposit account | Pūtea mākete moni |
|---|---|---|
| What you own | A deposit, which is a liability of the bank | Shares in a registered fund holding short-term paper |
| Insurance | Kua inihua e FDIC tae atu ki te $250,000 mō ia kaitāpui, mō ia pēke, mō ia kāwai rangatira | Not FDIC insured. Brokerage account protection (SIPC) covers broker failure, not investment loss |
| Ko wai e whakatau ana i te reiti | Ko te pēke, māna anake, ka taea te whakatikatika i ngā wā katoa | Ko te mākete, me te tango i te ōwehenga whakapaunga o te pūtea |
| Pēhea te whakahua o te hua | APY, he maha ngā taumata i runga i te toenga | Hua kupenga 7-rā, e neke ana i ia rā |
| Uru | I te rā anō, ahakoa ka taea te whakawhāiti i ngā tatau whakawhiti | Ko te whakahokinga moni ka whakatau i te rā anō, i te rā mahi e whai ake nei rānei |
| Te whakakotahitanga | Kotahi te umanga, kotahi te tūtohinga | He kohinga kanorau o ngā pepa kāwanatanga poto, pepa matua rānei |
| He aha te mea ka hē | Te hinganga o te pēke i runga ake i te tepe inihua; te whakahekenga o te reiti me te kore pānui | Te taumahatanga o te nama, te wairewa rānei i roto i te kohinga; te tangohanga o ngā whakakorenga utu; ngā utu wairewa i ētahi momo pūtea umanga |
Pūtea kāwanatanga, pūtea matua rānei
I roto i ngā pūtea, ko te wehewehenga e whai tikanga ana mō te pūtea rangatōpū ko te kāwanatanga ki te pūtea matua. Ko te pūtea kāwanatanga e pupuri ana i ngā pepa a te Kāwanatanga me ngā umanga, me te repo e tautokona ana e ia. Ko te pūtea matua e tāpiri ana i ngā pepa rangatōpū me ngā pepa pēke mō te wā poto, koinei te wāhi e puta mai ai te hua atu, ā, koinei hoki te wāhi e noho ai te tūpono nama me te tūpono whakaea. Ko ngā pūtea matua a ngā umanga e kawe ana i te uara rawa kupenga mānehu me ngā tikanga utu whakaea kāore i ngā pūtea kāwanatanga. Mēnā ko te whāinga ko te tiaki i te whakapaipai, kaua ko te whakanui i te hua, ko te pūtea kāwanatanga te whakautu tikanga, ā, ko te iti o te hua e tukua ana ko te utu mō te kore e whakamārama i te pūtea matua ki tō poari i tētahi wiki whakapōuri.
Ko te whakataurite taumata-taputapu, tae atu ki te wāhi e uru ai a Coinstancy Pro, kei te whārangi whakataurite mākete moni.
Ngā paepae tāpui me ngā taumata reiti.
Ko te reiti mākete moni pakihi tata kore he tau kotahi. He tūtohi me ngā pūtai, ngā itinga, me ngā tikanga, ā, ko te whika whakatairanga ko te rārangi e pai ana te pānui.
Ko te reiti matua he pūtai, ehara i te toenga
A tiered money market account can apply its top rate only to the amount inside the top band, with lower bands earning less. Two accounts advertising the same number can pay very different blended yields on the same deposit. Ask whether the rate is blended across the balance or applied per tranche.
The top tier may sit above your balance
Advertised rates are often reached only at a threshold most operating businesses never hold in one account. Below it, you earn a base tier that is rarely featured in the marketing. Read the full tier table, not the first line of it.
Or it may sit below your balance
The inverse structure exists too: a strong rate on the first bracket, and a much lower rate on everything above it. This one is designed to attract deposits without paying for size, and it punishes exactly the treasury that has cash to place.
Promotional rates expire
Introductory offers carry a window, usually with a new-money condition excluding balances already at the institution. Note the reset date the day you open the account, because nobody will remind you when it passes.
Ko te utu whanaungatanga kaore i te wharangi reiti
Above a certain size, the published rate is a starting point. Banks price deposits against the rest of the relationship: credit facilities, card volume, treasury management fees. The number you can negotiate is not the number you can compare.
Nga iti rawa hei whiwhi, me nga iti rawa hei karo i te utu
He rerekē ēnei paepae e rua, ā, he uaua te ōrite. Ko te tāheke ki raro i te tuatahi ka ngaro i a koe te reiti; ko te tāheke ki raro i te tuarua ka utua koe i te utu ā-marama. Ko te toenga i waenganui i a rāua he iti te whiwhi, ā, ka whakapākehātia tonutia.
E toru ngā pātai i mua i tō whakatairite i ngā pūkete e rua
- At my actual average balance, what rate applies, and is it blended or per tranche?
- Ko tēhea paepae e whakaoho ana i te utu, ā, ko tēhea e whakaoho ana i te reiti? He rerekē te nuinga o te wā.
- Mēnā he whakatairanga tēnei, he aha te rā e tautuhia ai, ā, ka tautuhia ki te aha?
Coinstancy Pro has no tier table for balances: the rate is set by the term you commit to, not by how much you deposit. 6.00% with no lock, up to 6.75% at twelve months, the same for every account size, as of September 2026.
Ngā utu e whakapau ana i te reiti matua.
The advertised APY is gross. What reaches your income statement is interest earned minus what the relationship costs. On a fee schedule with flat charges, a smaller balance loses a larger share of its return.
| Utu | Te āhua o tōna whakaiti i te hua whaihua |
|---|---|
| Utu tiaki marama | Ka utua ki te kore e puritia tētahi toenga iti rawa; he utu pātū ki te hua ōrau, nā reira ka kino rawa atu ki ngā toenga iti |
| Utu whakawhiti taupiri | Ka utaina ki ia tangohanga, whakawhiti rānei i runga ake i te tohu ā-marama o te pūkete |
| Ngā utu tātari pūkete | Ko ngā kōwae whakahaere pūtea taurewa e utua ana ia marama, i ētahi wā ka whakaea e te whiwhinga moni, kāore i te utua ki te moni |
| Te whakakorenga o te whiwhinga moni | Ko te whiwhinga i puta mai i ngā toenga ka whakaea noa i ngā utu; ko te whiwhinga kāore i whakamahia ka pau noa, kāore e utua |
| Te timatatanga o te waea me te ACH | Ko te utu mō ia mea e piki haere ana i te nui o te utu, kāore e pā ana ki te reiti penapena engari ka tangohia ki te hokinga mai kotahi |
| Te ōwehenga utu o te pūtea | Deducted before the quoted 7-day yield on a money market fund. Already reflected, but the waivers supporting it can be withdrawn |
Tātaihia tō ake reiti kupenga
Take twelve months of statements. Add the interest credited, subtract every fee charged on the account, divide by the average balance over the same period. That number is what the deposit actually returned. It is frequently well below the rate on the marketing page, and it is the only figure worth comparing against an alternative.
Compared with covered stablecoin yield.
Ko te āputa hua te wāhanga māmā o tēnei whakataurite. Ko te wāhanga e whakatau ana ko tāu e tuku: te inihua pūtea, hei utu mō tētahi kaupapa here whāiti ake me tētahi matapihi tango 48-hāora.
| Criterion | Pūkete mākete moni pakihi | Coinstancy Pro |
|---|---|---|
| Deposit insurance | Kua inihuatia e FDIC tae atu ki te $250,000 mō ia kaitāpui, mō ia pēke | Kāore. Kāore tēnei hua i inihuatia e FDIC |
| Uru | Kāore e tika ana | OpenCover, i runga i ngā Kawa Tairongo kua tautuhia e Coinstancy, i runga i ngā tikanga kaupapa here, ngā here me ngā whakakorenga |
| Uru | Rā anō, i raro i ngā here whakawhiti | Withdrawals available within 48 hours |
| Ngā rawa e āhei ana | USD | Ko te USD, ko te USDC anake |
| Whakaurunga | Whakatuwheratanga pūkete, tuhinga pakihi | KYB i mua i te putunga tuatahi |
| Kaitiaki | Ka pupuri te pēke i te putunga | Coinstancy holds the funds (custodial) and deploys them in reviewed DeFi protocols; the client holds no keys |
| Te tino pūmau o te reiti | Ka taea te whakahou e te pēke i ngā wā katoa | Contractual for the tier selected; early exit returns capital and forfeits accrued interest |
| Te toenga kua whakatakoto | I te 4.00% whakaatu | Coinstancy Pro, kāore he rāka (6.00%) | Coinstancy Pro, 12 marama (6.75%) | Te rerekētanga, kāore he rāka |
|---|---|---|---|---|
| $250,000 | $10,000 | $15,000 | $16,875 | +$5,000 |
| $500,000 | $20,000 | $30,000 | $33,750 | +$10,000 |
| $1,000,000 | $40,000 | $60,000 | $67,500 | +$20,000 |
What the extra yield does not buy you
A money market deposit account carries FDIC insurance and this product does not. Funds are covered by OpenCover on Sensitive Protocols defined by Coinstancy, for specific protocol events (smart contract code bugs, oracle manipulation or failure, liquidation failure, malicious governance takeover), subject to policy terms, limits and exclusions. The coverage page sets out the full scope.
Methodology.
A rate comparison is only worth what its sourcing rule is worth. Here is ours, in full.
Every bank rate on this page is read manually from the institution’s own published rate page or fee schedule, then dated. Nothing here comes from a rate aggregator, an affiliate feed or an automated scrape. Until a rate has been read and dated at the source, its cell carries a status label (“to be sourced”, “not published without ZIP”) rather than a number. The bank readings are the same as on the rate barometer, so the two pages never disagree.
We record the advertised annual percentage yield for the standard business tier available without a relationship agreement, a treasury management contract or a negotiated exception. Promotional and introductory offers are recorded separately when they exist, and never blended into the standard rate.
Ki te mea he taumata te pūkete, ka tuhia e mātou te reiti whakauru, te toenga e hiahiatia ana mō te reiti whakatairanga, me te mea ka pā te reiti ki te toenga katoa, ki te wāhanga anake rānei i roto i taua rōpū. Kāore e taea te whakataurite ki tetahi mea te tau kotahi mō tētahi hua taumata.
Ko ngā whika Coinstancy Pro ko ngā reiti kirimana e mana ana i te rā e whakaaturia ana: 6.00% APY me te kore maukati, ā, 6.75% i ngā marama tekau mā rua. He reiti ā-tau, kua whakahuahuatia i mua i te tāke, ā, kāore e whakapumautia ki tua atu o te maukati e kōwhiri ai koe. Ka whakaatuhia he panonitanga reiti ki konei i te rā e whai mana ai.
We do not rank institutions, we do not publish a rate we could not verify at the source, and we do not present this comparison as investment advice. A bank deposit and a covered stablecoin savings product are different instruments carrying different risks. The comparison is on yield, not on safety.
Mēnā he tawhito, hē rānei tētahi nama i konei, he koha tērā i te whārangi. Tukuna te hononga puna, ā, ka whakatikaina i te arotake e whai ake nei, i mua atu rānei. Ko te rā arotake kei runga ake o te whārangi te herenga.
Ko ngā tikanga me ngā whakaritenga whakauru kei te whārangi tautukunga me te Pātai Auau.
Ngā puna me ngā pānuitanga atu anō
Ka whakawhirinaki ngā tatauranga me ngā kerēme o tēnei whārangi ki ngā tuhinga kei raro nei. Ka neke ngā tatauranga pā ki te wā (reiti, hua, utu, raraunga mākete): tirohia te uara ora i te puna i mua i te mahi.
- Axos Bank, Business Premium Savingsaxosbank.com
3.50% APY on all balances from $0 to $4,999,999.99, no minimum to earn it; page states accurate as of 9/30/2026. The advertised “up to 3.60%” needs a bundled checking account and a promo code, so it is treated as promotional. Read 30 Sep 2026.
- Live Oak Bank, Business Savingsliveoakbank.com
2.75% APY, single rate, no tiers, interest from $0.01, no minimum opening deposit. Read 30 Sep 2026.
- Chase, business disclosures and interest rateschase.com
Business Total Savings and Business Premier Savings rates are shown only after a ZIP code is entered. Checked 30 Sep 2026.
- Wells Fargo, business savings rateswellsfargo.com
Business Market Rate Savings rate table requires a ZIP code; $25 minimum opening deposit, $5 monthly fee waived with a $300 minimum daily balance. Checked 30 Sep 2026.
- FDIC, ngā reiti ā-motu me ngā here reitifdic.gov
National average rates of 0.37% on savings and 0.63% on money market deposit accounts as of September 21, 2026, the benchmark quoted in the panel section.
- FDIC, inihua pūteafdic.gov
The $250,000 limit per depositor, per insured bank, per ownership category, and the statement that mutual funds and securities are not deposits and are not insured.
- SEC, money market fund rules (Rule 2a-7, 17 CFR 270.2a-7)ecfr.gov
Portfolio, liquidity and liquidity fee requirements for money market funds, behind the account-versus-fund comparison.
- US Treasury, daily par yield curvehome.treasury.gov
3-month Treasury bill par yield of 4.25% on 29 Sep 2026, the benchmark card in the panel section.
- Federal Reserve, open market operationsfederalreserve.gov
Federal funds target range of 3.75% to 4.00% since September 17, 2026, the rate that deposit and money market yields follow.
- OpenCoveropencover.com
Te kaiwhakarato o te kapinga kawa i whakaritea mō Coinstancy Pro; kei te whārangi kapinga te whānuitanga, ngā here me ngā whakakorenga.
Last reviewed: 30 September 2026. External links open in a new tab; Coinstancy is not responsible for their content.
Whakatauritea ki tōu ake reiti kupenga.
Whakatuwheratia he pūkete tika. Mēnā e hiahia ana tō rōpū pūtea ki ngā kupu whakamarumaru me ngā whakaritenga KYB i mua i tērā, ka taea e tō mātou rōpū te whakautu mā te whārangi whakapā.