Business savings rates, updated monthly
Our rate grid against what US banks actually pay, refreshed every month with sources.
Coinstancy Pro rates as of September 2026 · Bank panel read at the source on 30 Sep 2026 · Next review October 2026
The short version
- Six tiers, one product: 6.00% APY with no lock-up, up to 6.75% on a twelve-month term, and a 7.00% introductory rate for the first six months.
- 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.
- Funds are covered by OpenCover on Sensitive Protocols defined by Coinstancy, subject to policy terms, limits and exclusions. This product is not FDIC insured.
The Coinstancy Pro rate grid this month.
Six tiers, one product. The rate rises with the term you commit to, and the exit rule is the same on every locked tier: capital returned, accrued interest forfeited.
Each bar is one tier of the grid in force on September 2026; under every label, the term you commit to and the rule that applies if you exit early. Withdrawals are available within 48 hours on every tier, introductory rate included.
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.
What Chase, Wells Fargo, Axos, Live Oak and Amex pay.
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.
What the bank gives you that we do not
What the headline bank rate usually hides
When you compare, compare like for like: the rate you actually receive on your actual balance, after fees, not the number on the marketing page. The line-by-line comparison with a business savings account sets out the full trade, including what you give up.
Money market funds and T-bills: the real benchmark.
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.
Government money market fund
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-month Treasury bill
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.
The gap in dollars on $100k, $500k and $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.
| Idle balance | At 4.00% (illustration) | At 6.00% no lock | At 6.75% 12-month | Difference |
|---|---|---|---|---|
| $100,000 | $4,000 | $6,000 | $6,750 | +$2,000 +$2,750 at 12 months |
| $500,000 | $20,000 | $30,000 | $33,750 | +$10,000 +$13,750 at 12 months |
| $1,000,000 | $40,000 | $60,000 | $67,500 | +$20,000 +$27,500 at 12 months |
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.
Methodology and sources.
Rates on this page are collected manually, once a month. Every figure is dated, and any figure we have not verified at the source stays marked as such.
The collection cycle
Read at the source
In the first week of each month, each institution’s published rate page is opened and the standard business tier is recorded, with the date.
Record, or mark unverified
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.
Archive the previous month
The outgoing grid moves to the history table below, so a reader can see how the spread has moved rather than only today’s snapshot.
The rules we apply
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.
Found a rate we have wrong or out of date? Tell us through the contact page and we will correct it in the next edition. A methodology note for the money market panel is on the business money market rates guide.
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.
Sources and further reading
The figures and claims on this page rest on the documents below. Time-sensitive figures (rates, yields, fees, market data) move: check the live value at the source before acting on it.
- 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.
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