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 · Next review October 2026 · Bank panel collected manually
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 at the source and dated. Anything not yet verified stays marked “to be sourced” instead of carrying a number.
- Funds are covered through OpenCover up to 100% of their USD value, 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. Eligible funds are covered through OpenCover up to 100% of their USD value, 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 cell below is filled only once the rate has been read at the source and dated. Cells still marked “To be sourced” have not been verified for this month’s edition — we would rather show the gap than publish a number we cannot stand behind.
US business deposit rates tracked monthly, September 2026 edition, on the same scale as the grid above. For each institution we track the advertised APY, the minimum balance required to earn that rate and the date the rate was verified: all three stay marked “To be sourced” until the month’s collection is complete, which is why these rows show a hatched band rather than 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. Shares are redeemable, usually settling the next business day. Not a deposit and not FDIC insured, though it carries no smart contract exposure either.
3-month Treasury bill
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
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 coverage through OpenCover up to 100% of USD value, 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.
| 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 the place 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 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 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.
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 on a call 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, and the bank benchmark column fills in as each monthly collection is completed.
“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.
Open an account directly. If your finance team needs the coverage terms and the KYB requirements before that, a call is the faster route.