Besigheids spaarkoerse, maandeliks opgedateer
Ons koersrooster teenoor wat Amerikaanse banke werklik betaal, maandeliks opgedateer met bronne.
Coinstancy Pro rates as of September 2026 · Bank panel read at the source on 30 Sep 2026 · Next review October 2026
Die kort weergawe
- Ses vlakke, een produk: 6.00% APY sonder uitsluiting, tot 6.75% op 'n twaalfmaand-termyn, en 'n 7.00% inleidende koers vir die eerste ses maande.
- 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.
- Fondse word deur OpenCover gedek op Sensitiewe Protokolle soos gedefinieer deur Coinstancy, onderhewig aan polisvoorwaardes, limiete en uitsluitings. Hierdie produk is nie deur FDIC verseker nie.
Die Coinstancy Pro-tarieftabel hierdie maand.
Ses vlakke, een produk. Die koers styg met die termyn waartoe jy verbind, en die uittreereël is dieselfde op elke geslote vlak: kapitaal terugbetaal, opgelope rente verbeur.
Elke staaf is een vlak van die rooster wat in September 2026 van krag is; onder elke etiket, die termyn waartoe jy verbind en die reël wat geld as jy vroeg uittree. Onttrekkings is binne 48 uur op elke vlak beskikbaar, insluitend die inleidingstarief.
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.
Wat Chase, Wells Fargo, Axos, Live Oak en Amex betaal.
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.
Wat die bank vir jou gee wat ons nie doen nie
Wat die hoofbankkoers gewoonlik verberg
Wanneer jy vergelyk, vergelyk soos met soos: die koers wat jy werklik ontvang op jou werklike saldo, na fooie, nie die nommer op die bemarkingsbladsy nie. Die lyn-vir-lyn vergelyking met 'n besigheids spaarrekening sit die volle transaksie uiteen, insluitend wat jy prysgee.
Geldmarkfondse en T-billies: die ware maatstaf.
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.
Staatsgeldmarkfonds
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.
3-maande Tesourie-wissel
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.
Hoe om die drie kolomme saam te lees
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.
Die gaping in dollars op $100k, $500k en $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.
| Onaktiewe balans | Teen 4.00% (illustrasie) | Teen 6.00% geen slot nie | Teen 6.75% 12-maand | Verskil |
|---|---|---|---|---|
| $100,000 | $4,000 | $6,000 | $6,750 | +$2,000 +$2,750 na 12 maande |
| $500,000 | $20,000 | $30,000 | $33,750 | +$10,000 +$13,750 na 12 maande |
| $1,000,000 | $40,000 | $60,000 | $67,500 | +$20,000 +$27,500 na 12 maande |
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.
Metodologie en bronne.
Koerse op hierdie bladsy word handmatig ingesamel, een keer per maand. Elke syfer is gedateer, en enige syfer wat ons nie by die bron geverifieer het nie, bly as sodanig gemerk.
Die insamelingsiklus
Lees by die bron
In die eerste week van elke maand word elke instelling se gepubliseerde koersbladsy geopen en die standaard besigheidsvlak word aangeteken, met die datum.
Teken aan, of merk as ongeverifieer
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.
Argiveer die vorige maand
Die uitgaande rooster beweeg na die geskiedenistabel hieronder, sodat 'n leser kan sien hoe die verspreiding beweeg het eerder as slegs vandag se momentopname.
Die reëls wat ons toepas
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.
Ons teken die geadverteerde jaarlikse persentasie-opbrengs aan, nie 'n nominale koers nie, vir die standaard besigheidsvlak wat beskikbaar is sonder 'n verhoudingsooreenkoms, 'n tesourie-bestuurskontrak of 'n onderhandelde uitsondering. Promosie- en inleidingsaanbiedinge word afsonderlik aangeteken wanneer hulle bestaan, en word nooit met die standaardkoers gemeng nie.
Die Coinstancy Pro-vlakke hierbo is die kontraktuele tariewe wat op die getoonde datum van krag is. Hulle is geannualiseer, voor belasting gekwoteer, en word nie gewaarborg vir enige tydperk verder as die vassluiting wat jy kies nie. 'n Tariefverandering word hier weerspieël op die dag wat dit in werking tree, en die vorige rooster skuif na die geskiedenistabel.
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.
Het jy 'n koers gevind wat verkeerd of verouderd is? Laat weet ons via die kontakbladsy en ons sal dit in die volgende uitgawe regstel. 'n Metodologie-nota vir die geldmarkpaneel is op die gids vir besigheidsgeldmarkkoerse.
Koersgeskiedenis, maand vir maand.
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.
Bronne en verdere leeswerk
Die syfers en bewerings op hierdie bladsy berus op die dokumente hieronder. Tydsensitiewe syfers (koerse, opbrengste, fooie, markdata) beweeg: kontroleer die lewende waarde by die bron voordat jy daarvolgens optree.
- 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, enkelkoers, geen vlakke nie, rente vanaf $0.01, geen minimum aanvangsdeposito. Gelees 30 Sep 2026.
- Chase, business disclosures and interest rateschase.com
Besigheid Totale Spaar- en Besigheid Premier Spaarkoerse word slegs gewys nadat 'n poskode ingevoer is. Nagegaan 30 Sep 2026.
- Wells Fargo, besigheidspaarkoersewellsfargo.com
Besigheid Markkoers Spaarkoers-tabel vereis 'n poskode; $25 minimum aanvangsdeposito, $5 maandelikse fooi kwytgeskeld met 'n $300 minimum daaglikse balans. Nagegaan 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.
Laas nagegaan: 30 September 2026. Eksterne skakels open in 'n nuwe oortjie; Coinstancy is nie verantwoordelik vir hul inhoud nie.
Lock this month’s rate, or ask the hard questions first.
Open 'n rekening direk. As jou finansiespan die dekkingsterme en die KYB-vereistes voor dit nodig het, kan ons span deur die kontakbladsy antwoord.