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.
Ngā reiti Coinstancy Pro mai i Mahuru 2026 · Arotake anō i Oketopa 2026 · I kohia ā-ringa te rōpū pēke
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.
- Ko te USD, ko te USDC anake. Ka tangohia ngā moni i roto i ngā hāora e 48. Ko te putanga wawe ka whakahoki i tō moni, ka ngaro hoki te moni whiwhi kua whakaemitia — kāore he whiu i runga i te moni matua.
- Ko ia reiti pēke i konei ka pānuitia ā-ringa i te puna, ka tuhia hoki te rā. Ko ngā mea kāore anō kia whakamanahia ka noho tonu hei tohu “me kimi” hei utu mō te kawe tau.
- Ka hipokina ngā pūtea mā OpenCover tae atu ki te 100% o tō rātou uara USD, i runga i ngā tikanga kaupapahere, ngā rohe me ngā whakakahoretanga. Kāore tēnei hua i te inihua 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.
He aha te utu a Chase, Wells Fargo, Axos, Live Oak me Amex.
E rima ngā umanga, ka tirohia ia marama: e rua ngā pēke ā-motu me e toru ngā pēke matihiko. Ka whakakiia ia pūtau i raro nei anake i te wā kua pānuitia te reiti i te puna me te tāpiri i te rā. Ko ngā pūtau e tohua tonutia ana hei “Kāore anō kia kitea” kāore anō kia whakamanahia mō tēnei putanga marama — he pai ake ki a mātou te whakaatu i te āputa i te whakaputa i tētahi tau e kore e taea e mātou te tautoko.
Ko ngā reiti putunga pakihi o US e whaihia ana ia marama, te putanga o Hepetema 2026, i runga i te tauine rite ki te matiti kei runga ake nei. Mō ia umanga ka whaihia e mātou te APY i pānuitia, te iti rawa o te toenga e hiahiatia ana kia whiwhi ai i taua reiti me te rā i whakamanahia ai te reiti: ka noho katoa ēnei e toru kua tohua “Hei kimi mai” kia oti rawa te kohinga o te marama, koia nei te take e whakaatu ana 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 matiti i te Hepetema 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.
Ko te pūkete penapena pakihi te whakataurite māmā, ehara i te mea tika. Mēnā ka whakaae tō kaupapa here pūtea ki tētahi pūtea mākete moni, ki tētahi pīni Taurewa rānei, koia te hua e tukua ana e koe — ā, koia te nama e tika ana kia inea ai ētahi atu kōwhiringa.
Pūtea mākete moni a te Kāwanatanga
Ka whai i te pito o mua o te ānau, ka tango i te ōwehenga whakapaunga o te pūtea. Ka taea te hoko i ngā pūtea, ka whakatau i te rā mahi e whai ake nei. Ehara i te pūtea penapena, ā, kāore i te inihuatia e te FDIC, ahakoa kāore he whakaraerae ki ngā kirimana mārire.
Pūtea Kāwanatanga 3-marama
The reference 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. This is the yield any alternative should be judged against.
How to read the three columns together
Ko ngā pūtea penapena pēke, ngā taputapu mākete moni me ngā penapena stablecoin kua hipokina, ehara i te mea e toru ngā momo o te mea kotahi. Ko te penapena he kawe i te tūpono nama pēke, ā, tae atu ki ngā rohe e tika ana, te inihua FDIC. Ko te pūtea mākete moni a te kāwanatanga, he T-bill rānei, he kawe i te reiti huamoni, ā, mō te pūtea, he iti te tūpono nama, kāore he inihua penapena. Ko Coinstancy Pro he kawe i te tūpono kirimana mārire me te kawa, ka whakaitihia — kāore i te whakakorea — e te hipokanga mā OpenCover tae atu ki te 100% o te uara USD, i runga i ngā tikanga kaupapa here, ngā rohe me ngā whakakorenga. Ko te depeg o te stablecoin taketake, ko te hua kei raro iho i te reiti kua pānuitia, me ngā mea katoa kei waho atu i ngā kaupapa here kua rārangitia, kāore e hipokina.
Te āputa i roto i ngā tāra i runga i te $100k, $500k me te $1M.
He māmā te whakahawea ki ngā iravae. Ko te rerekētanga anō e whakaaturia ana hei moni tāra ā-tau ko tērā e pānuitia ana e tō poari. Kei raro nei, he whakaahua i te reiti pēke 4.00% e whakaarohia ana — whakakapia ki tō ake reiti, koia anake te mea whai take.
| 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 |
He whakaaturanga anake. Ko te 4.00% te whika he whakapae hei whakaatu i te tatauranga, ehara i te reiti pēke kua whakaaetia — ko te papa pēke kei runga ake nei te wāhi e kitea ai ngā reiti kua whakaaetia. Ko ngā moni he hua ā-tau mākūkū i mua i te tāke me i mua i ngā utu katoa e utua ana e tō pēke, me whakaaro ka mau te reiti mō te tau katoa, ā, kāore he tangohanga i roto i taua wā. Ko ngā whika 6.00% me 6.75% he reiti Coinstancy Pro e mana ana i te Hepetema 2026, ā, kāore e tutuki i tua atu o te wā kua tohua. Whakahaerehia me tō ake toenga me tō reiti.
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
Ki te kore e whakaputaina he reiti, ka wātea noa i runga i te tono, ka kore rānei e taea te whakau, ka noho tonu te pūtau kua tohua “Hei kimi” mō taua putanga.
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 reads “to be sourced” rather than carrying 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.
Kāore mātou e whakaraupapa i ngā umanga, kāore mātou e whakaputa i tētahi reiti kāore e taea e mātou te whakamana i te puna, ā, kāore mātou e whakaatu i te whakataurite pēke hei tohutohu haumi. He rerekē ngā taputapu e rua, arā, te pūtea penapena pēke me te hua penapena moni-ā-mati kua kapinga, he rerekē ngā tūraru e pā ana — ko te whakataurite kei runga i te hua, kaua i te haumaru.
Rate history, month by month.
Ka tīmata te pūranga ki te putanga o Hepetema 2026. Ko ngā marama o mua ka whakaatuhia hei kāore i whakaputaina, kāore i hāngia i muri mai, ā, ka whakakiia te tīwae paearu pēke i ia kohinga ā-marama e oti ana.
“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 yet. Neither cell is an estimate. A past rate is not an indication of a future one: the grid is reviewed monthly and can change at any review.
Lock this month’s rate, or ask the hard questions first.
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.