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. A cell stays marked “To be sourced” until the rate has been read on the institution’s own page and dated.
- 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.
- Ka utu a Coinstancy Pro i te 6.00% me te kore raka me te 6.75% i te tekau mā rua marama, i roto i te USD, USDC rānei, me ngā tangohanga i roto i ngā hāora 48. Kāore i te inihua FDIC.
Ngā reiti o tēnei marama, ia peke, ia peke.
E whitu ngā umanga o Amerika, e whai ana i te momo hua kotahi me te inenga kotahi. Ka noho tonu tētahi pūtau kua tohua hei “me kimi mai” kia tae rawa ki te pānuitanga o te reiti i te whārangi ake o te umanga, ā, kua tuhia te rā. He pai ake ki a mātou te whakaatu i tētahi āputa i te tau e kore e taea e mātou te tiaki.
Ko ia rārangi he umanga kotahi o te rōpū o Hepetema 2026. Mō ia pēke ka whai mātou i te APY kua pānuitia, te iti rawa o te toenga e hiahiatia ana kia whiwhi ai, te paepae taumata tiketike me te rā i whakamanahia ai te reiti: ka noho katoa ngā mea e whā hei “Me kimi” kia oti rā anō te kohinga o te marama, koia i whakaatu ai ēnei rārangi i tētahi rōpū whakapuru, kaua he kaho. Kāore a Coinstancy Pro e whakamahi ana i ngā taumata mā te toenga, ā, i whakamanahia tōna kupenga i Hepetema 2026. Ko ngā pou e whā, ia pēke, kei te tūtohi i raro nei.
Te papa, ia tīwae, ia tīwae
Ko Coinstancy Pro ehara i te peke, ā, kāore i te tiakina e te FDIC. Ka puta noa i tēnei ripanga hei whakatairite hua. Ko te toenga o te papa — te 7.00% tuatahi mō ngā marama e ono, me ngā taumata 3, 6, 9 me 12 marama — kei te ine hua.
Pūtea mākete moni a te Kāwanatanga
Kāore anō kia kiteaHe pūtea kua rēhitatia e pupuri ana i ngā pire Tahere, pepa umanga me te repo. Ko te utu kua whakahuahia kua tangohia kētia te ōwehenga whakapaunga. Ehara i te pūtea penapena, kāore i te inihuatia e te FDIC, ka taea te hoko anō i te rā mahi kotahi, i te rā mahi e whai ake nei rānei.
Pūtea Kāwanatanga 3-marama
Kāore anō kia kiteaKo te reiti ka taea e te kaitiaki pūtea te maukati tika, e tautokohia ana e te kāwanatanga o Amerika. Kāore he mōrearea nama ki te pupuri kia pakeke, he mōrearea utu ki te hoko wawe. Koinei te papa pono mō tētahi atu huarahi hei whakataurite.
Coinstancy Pro, kāore he maukati
He penapena moni kāmehameha kua hipokina i roto i te USD, USDC rānei, ka wātea ngā tangohanga i roto i ngā hāora 48, KYB i mua i te putunga tuatahi. Kāore i te inihua FDIC. Ka hipokina ngā pūtea e tika ana mā OpenCover mō ngā kaupapa kawa motuhake, i raro i ngā tikanga kaupapa here.
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 — 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 | Kāore i te inihua e FDIC. Ko te whakamarutanga pūkete kaihokohoko e kapi ana i te ngoikoretanga o te kaihokohoko, ehara i te ngaronga haumi |
| 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
I runga ake i tetahi rahi, ko te reiti kua whakaputaina he timatanga. Ka utu nga peeke i nga moni penapena ki te toenga o te whanaungatanga — nga waahi nama, te rahi o te kaari, nga utu whakahaere putea. Ko te nama ka taea e koe te whiriwhiri, ehara i te nama ka taea e koe te whakataurite.
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
- I taku toenga toharite tūturu, he aha te reiti e tika ana — ā, he mea whakaranu, he reiti mō ia wāhanga rānei?
- 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?
Kāore a Coinstancy Pro i te ripanga taumata mō ngā toenga: ko te reiti ka whakatauhia e te wā e whakaae ana koe, ehara i te nui o tāu moni whakatakoto. 6.00% me te kore maukati, tae atu ki te 6.75% i te tekau mā rua marama, he ōrite mō ia rahi pūkete.
Ngā utu e whakapau ana i te reiti matua.
Ko te APY e pānuitia ana he moni kerekere. Ko te mea ka tae ki tō pūrongo moni whiwhi ko te moni hua ka riro mai i te iti o te utu o te hononga — ā, i runga i te rārangi utu me ngā utu pātū, ka ngaro i te toenga iti tētahi wāhanga nui ake o tōna hua.
| 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 | Ka tangohia i mua i te hua o ngā rā e 7 e kīia ana mō te pūtea mākete moni — kua whakaatahia kētia, engari ka taea te unu i ngā whakawāteatanga e tautoko ana |
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 | Mā OpenCover, tae atu ki te 100% o te uara USD, i runga i ngā tikanga kaupapa here, ngā rohe 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 | Ngā kawa kore-tiaki; kāore ō kī |
| Te tino pūmau o te reiti | Ka taea te whakahou e te pēke i ngā wā katoa | He kirimana mō te taumata; ko te putanga moata ka whakahoki i te moni whakapaunga me te ngaro o te huamoni kua whiwhi |
| 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 |
Methodology.
A rate comparison is only worth what its sourcing rule is worth. Here is ours, in full.
Ko ia reiti pēke i tēnei whārangi ka pānuitia ā-ringa mai i te whārangi reiti whakaputa ake o te umanga, i te rārangi utu rānei, kātahi ka tātaitia te rā. Kāore he mea i konei i ahu mai i tētahi kaiwhakakao reiti, i tētahi whāngai hono, i tētahi kohi ā-tukutuku rānei. Kia tae noa ki te wā kua pānuitia me te tātaitia te rā o tētahi reiti i te puna, ka tuhia tōna pūtau hei “me kimi mai”, kaua e mau i tētahi tau.
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.
Whakatauritea ki tōu ake reiti kupenga.
Whakatuwherahia tētahi pūkete tika. Mēnā e hiahia ana tō rōpū pūtea ki ngā tikanga kapinga me ngā whakaritenga KYB i mua i tērā, ko te waea atu te huarahi tere ake.