Ngā reiti penapena pakihi, whakahoutia ā-marama
Tā mātou papa reiti ki ngā utu e utua ana e ngā pēke o Amerika, whakahoutia ia marama me ngā puna kōrero.
Coinstancy Pro rates as of September 2026 · Bank panel read at the source on 30 Sep 2026 · Next review October 2026
Te putanga poto
- E ono ngā taumata, kotahi te hua: 6.00% APY me te kore herenga, tae atu ki te 6.75% mō te wā tekau mā rua marama, me te 7.00% reiti whakataki mō ngā marama e ono tuatahi.
- USD or USDC only. Withdrawals within 48 hours. Early exit returns your capital and forfeits the accrued interest, never a penalty on the principal.
- Every bank rate here is read by hand on the bank’s own page and dated 30 Sep 2026: Axos pays 3.50% APY and Live Oak 2.75%. Chase and Wells Fargo show their rate sheet only after a ZIP code, and the Amex page could not be read, so those rows carry a status label instead of a number.
- Ka whakamarumarutia ngā pūtea e OpenCover i runga i ngā Kawa Tairongo kua tautuhia e Coinstancy, i raro i ngā tikanga herenga, ngā tepe me ngā aukati. Kāore tēnei hua i te inihua e FDIC.
Te papa reiti Coinstancy Pro mō tēnei marama.
E ono ngā taumata, kotahi te hua. Ka piki te reiti i runga i te wā e whakaae ana koe, ā, he ōrite te ture putanga i ia taumata maukati: ka whakahokia te moni whakapaipai, ka ngaro te moni hua kua whiwhi.
Ko ia pae he taumata o te matiti e whai mana ana i te Mahuru 2026; i raro i ia tapanga, ko te wā e whakaae ana koe ki te pupuri me te ture e pā ana ki te puta wawe. E wātea ana ngā tangohanga i roto i ngā hāora 48 i ia taumata, tae atu ki te reiti whakamōhio.
Rates in force on September 2026, quoted as annual percentage yield before tax. They are not guaranteed beyond the term you select and can change at review. There is no penalty on the principal at any tier. Funds are covered by OpenCover on Sensitive Protocols defined by Coinstancy, subject to policy terms, limits and exclusions: what that covers and excludes. This product is not FDIC insured.
He aha te utu a Chase, Wells Fargo, Axos, Live Oak me Amex.
Five institutions, tracked every month: two national banks and three digital banks. Each rate was read on the bank’s own page on 30 Sep 2026. Axos and Live Oak publish a flat business savings rate. Chase and Wells Fargo show their rate sheet only after a ZIP code is entered, and the Amex page could not be read, so those three rows carry a status label rather than a number we cannot stand behind.
US business deposit rates read on 30 Sep 2026, September 2026 edition, on the same scale as the grid above. Axos Business Premium Savings pays 3.50% APY flat from $0 to $4,999,999.99 with no minimum to earn it; the advertised “up to 3.60%” needs a bundled checking account and a promo code, so it is recorded as a promotional rate, not the standard one. Live Oak Business Savings pays 2.75% APY, single rate, no minimum. Chase and Wells Fargo publish their business savings rates only after a ZIP code is entered, and the American Express Business Checking page could not be read: those rows show a hatched band and a status label instead of a bar. Coinstancy Pro applies no tiering by balance, and its grid was verified on September 2026.
He aha te mea ka hoatu e te pēke ki a koe kāore mātou e hoatu
He aha te mea e huna ana i te reiti matua o te pēke
Ina whakatairite koe, whakatairitehia te rite ki te rite: ko te reiti e whiwhi ana koe i runga i tō moni tūturu, i muri i ngā utu, kaua ko te nama kei te whārangi hokohoko. Ko te whakatairite rārangi-ki-rārangi ki tētahi pūtea penapena pakihi e whakaatu ana i te katoa o te hokohoko, tae atu ki ngā mea e tuku ana koe.
Ngā pūtea mākete moni me ngā pire T: te tohu tūturu.
A business savings account is the easy comparison, not the right one. If your treasury policy allows a money market fund or a Treasury bill, that is the yield you are actually giving up, and that is the number any alternative should be measured against.
Pūtea mākete moni a te Kāwanatanga
Tracks the front end of the curve, minus the fund’s expense ratio. Not a deposit and not FDIC insured, and it carries no smart contract exposure. 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. Held to maturity it has no credit risk; sold early it is subject to price movement. 4.25% is the 3-month par yield on the US Treasury daily curve for 29 Sep 2026; the 13-week bill traded at 4.17% coupon equivalent the same day. This is the yield any alternative should be judged against.
How to read the three columns together
Bank deposits, money market instruments and covered stablecoin savings are not three versions of the same thing. A deposit carries bank credit risk and, up to the applicable limits, FDIC insurance. A government money market fund or a T-bill carries interest rate and, for the fund, limited credit risk, with no deposit insurance. Coinstancy Pro carries smart contract and protocol risk, mitigated, not removed, by OpenCover coverage on Sensitive Protocols defined by Coinstancy, subject to policy terms, limits and exclusions. Depeg of the underlying stablecoin, yield below the advertised rate and anything outside the listed protocol events are not covered.
Te āputa i roto i ngā tāra i runga i te $100k, $500k me te $1M.
Basis points are easy to dismiss. The same difference expressed as an annual dollar amount is the one your board reads. Below, an illustration at an assumed 4.00% bank rate. Replace it with your own rate, which is the only one that matters. For reference, the highest rate published in this month’s panel is 3.50% APY at Axos, read on 30 Sep 2026.
| Toenga noho noa | I te 4.00% (whakaahua) | I te 6.00% kāore he rāka | I te 6.75% 12-marama | Rerekētanga |
|---|---|---|---|---|
| $100,000 | $4,000 | $6,000 | $6,750 | +$2,000 +$2,750 i ngā marama 12 |
| $500,000 | $20,000 | $30,000 | $33,750 | +$10,000 +$13,750 i ngā marama 12 |
| $1,000,000 | $40,000 | $60,000 | $67,500 | +$20,000 +$27,500 i ngā marama 12 |
Illustration only. The 4.00% figure is an assumption used to show the arithmetic, not a sourced bank rate: the bank panel above is where sourced rates appear. Amounts are gross annual yield before tax and before any fee charged by your bank, assume the rate holds for a full year and assume no withdrawal during the period. The 6.00% and 6.75% figures are Coinstancy Pro rates in force on September 2026 and are not guaranteed beyond the term selected. Run it with your own balance and rate.
Tikanga me ngā puna kōrero.
Ka kohia ngā reiti i tēnei whārangi ā-ringa, kotahi i ia marama. He rā tō ia whika, ā, ko ngā whika kāore anō kia whakamanahia i te puna, ka noho tonu hei tohu pērā.
Te huringa kohinga
Pānuitia i te puna
I te wiki tuatahi o ia marama, ka whakatuwheratia te whārangi reiti kua whakaputahia o ia umanga, ā, ka tuhia te taumata pakihi noa, me te rā.
Tuhia, tohua rānei kāore i whakamanahia
If a rate is not published, is only available on request, or cannot be confirmed, the cell carries a status label (for example “Not published without ZIP”) or stays marked “To be sourced” for that edition.
Tiaki i te marama o mua
Ka neke te matiti puta ki te tūtohi hītori i raro nei, kia kite ai te kaipānui i te nekehanga o te horahanga, kaua ko te tirohanga o tēnei rā anake.
Ngā ture e whakamahia ana e mātou
Every bank rate on this page is read manually from the institution’s own published rate page or fee schedule, then dated. Nothing on this page comes from a rate aggregator, an affiliate feed or an automated scrape. Until a rate has been read and dated, its cell carries a status label (“to be sourced”, “not published without ZIP”) rather than a number.
We record the advertised annual percentage yield, not a nominal rate, 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.
The Coinstancy Pro tiers above are the contractual rates in force on the date shown. They are annualized, quoted before tax, and are not guaranteed for any period beyond the lock-up you select. A rate change is reflected here on the day it takes effect, and the previous grid moves to the history table.
We do not rank institutions, we do not publish a rate we could not verify at the source, and we do not present the bank 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.
Kua kitea he reiti kua hē, kua tawhito rānei? Whakamōhiotia mai mā te whārangi whakapā ā ka whakatikahia e mātou i te putanga e whai ake nei. Kei te aratohu reiti moni mākete pakihi tētahi tuhinga tikanga mō te rārangi mākete moni.
Rate history, month by month.
The archive starts with the September 2026 edition. Earlier months are shown as not published rather than reconstructed after the fact. The bank column records only rates read on the institutions’ own pages: for September 2026, that is two of the five.
“Not published” means the grid for that month was not archived in this format and has not been reconstructed. “To be sourced” means the bank panel for that month has not been collected and dated. Neither cell is an estimate. The bank column lists only rates read on the institution’s own page: for September 2026, Axos (3.50%) and Live Oak (2.75%), read on 30 Sep 2026. Chase and Wells Fargo show their rates only after a ZIP code is entered and the Amex page could not be read, so they are not counted. A past rate is not an indication of a future one: the grid is reviewed monthly and can change at any review.
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 (3.44% interest rate) 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 a promotional rate.
- 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.
- American Express, Business Checkingamericanexpress.com
APY not readable on the page (client-rendered) and the rates page returned an error on 30 Sep 2026.
- US Treasury, daily Treasury par yield curve rateshome.treasury.gov
3-month par yield of 4.25% on 29 Sep 2026; 13-week bill at 4.07% bank discount and 4.17% coupon equivalent the same day.
- Vanguard, Federal Money Market Fund (VMFXX)investor.vanguard.com
Reference government money market fund. Its 7-day yield could not be read on 30 Sep 2026: check it on the fund page.
- Fidelity, Government Money Market Fund (SPAXX)fundresearch.fidelity.com
Second reference government fund; 7-day yield not read this edition.
Last reviewed: 30 September 2026. External links open in a new tab; Coinstancy is not responsible for their content.
Lock this month’s rate, or ask the hard questions first.
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.