各银行当前利率、标题数字背后隐藏的信息，以及与有担保稳定币收益率的对比。.
2026年9月版 · 下次审查2026年10月 · 银行小组手动收集
简要说明
- 七家美国机构，按同一产品类别和同一衡量标准进行追踪。两个利率已于2026年9月30日在来源处读取：Axos 3.50% APY 和 Live Oak 2.75% APY。Chase 和 Wells Fargo 仅在输入邮政编码后才会公布其利率。其他单元格在读取并注明日期之前仍标记为“待获取”。.
- For scale, the FDIC national average was 0.63% on money market accounts and 0.37% on savings as of September 21, 2026. The 3-month Treasury bill par yield was 4.25% on 29 Sep 2026.
- 货币市场账户是银行的存款。货币市场基金是您拥有的证券。在比较它们的收益率时，不说明哪个是哪个，是资金管理审查中最常见的错误。.
- 广告宣传的业务利率是一个区间，而非一个固定余额：层级、最低限额、促销窗口和关系定价都介于宣传利率与您的账户之间。.
- APY 为毛值。维护费用、超额交易费用和放弃的收益抵免决定了实际计入您损益表的金额。.
- Coinstancy Pro 提供6.00%的无锁定期利率，以及十二个月期6.75%的利率，支持美元或USDC，提款在48小时内完成。利率截至2026年9月。不受FDIC保险保障。.
本月各银行利率。.
Seven US institutions, tracked on the same product category and the same measure. Each rate is read on the institution’s own page and dated. On 30 Sep 2026, Axos published 3.50% APY and Live Oak 2.75% APY. Chase and Wells Fargo show their rate sheet only after a ZIP code is entered. The remaining cells stay marked “to be sourced”. We would rather show a gap than a number we cannot defend.
Each row is one institution of the September 2026 panel. Axos Business Premium Savings pays 3.50% APY flat from $0 to $4,999,999.99 with no minimum; the advertised “up to 3.60%” needs a bundled checking account and a promo code, so it is recorded as promotional. Live Oak Business Savings pays 2.75% APY, single rate, no minimum. Both were read on 30 Sep 2026. Chase and Wells Fargo publish their business savings rates only after a ZIP code is entered, and Bank of America, Capital One and First Internet Bank have not been read at the source yet: those rows show a hatched band and a status label instead of a bar. For scale, the FDIC national average was 0.63% on money market accounts and 0.37% on savings as of September 21, 2026, with the federal funds target range at 3.75% to 4.00% since September 17, 2026 (see Sources). Coinstancy Pro applies no tiering by balance, and its grid was verified on September 2026. The four columns, bank by bank, are in the table below.
面板，逐列说明
完整面板表格：追踪的产品、最低金额、顶级门槛和验证日期
| 机构 | 类型 | 追踪的产品 | 广告宣传的年收益率（APY） | 该利率的最低金额 | 顶级门槛 | 验证方式 |
|---|---|---|---|---|---|---|
| Chase | 国家银行 | Business Total Savings / Business Premier Savings | Not published without ZIP | Not published without ZIP | Not published without ZIP | 30 Sep 2026 |
| 美国银行 | 国家银行 | 商业货币市场储蓄 | 待获取 | 待获取 | 待获取 | 待获取 |
| 富国银行 | 国家银行 | Business Market Rate Savings | Not published without ZIP | $25 to open; $300 daily balance waives the $5 monthly fee | Not published without ZIP | 30 Sep 2026 |
| 第一资本 | 国家银行 | 商业货币市场 | 待获取 | 待获取 | 待获取 | 待获取 |
| Axos | 数字银行 | Business Premium Savings | 3.50% | None; flat rate from $0 to $4,999,999.99 | No tiers; the advertised 3.60% needs a bundled checking account and a promo code (promotional) | 30 Sep 2026 |
| Live Oak | 数字银行 | Business Savings | 2.75% | None; single rate from $0.01 | No tiers | 30 Sep 2026 |
| 第一互联网银行 | 数字银行 | 商业货币市场储蓄 | 待获取 | 待获取 | 待获取 | 待获取 |
| Coinstancy 专业版 | 非银行 | 有保障的稳定币储蓄，无锁定期 | 6.00% | 无最低等级要求；需进行KYB认证 | No balance tiers; 6.75% at twelve months | 2026年9月 |
Coinstancy Pro is not a bank and is not FDIC insured. It appears in this table for yield comparison only. The rest of the grid (the introductory rate and the 3, 6, 9 and 12-month tiers, up to 6.75%) is on the rate barometer.
政府货币市场基金
Not verified this editionA registered fund holding Treasury bills, agency paper and repo. The quoted yield is already net of the expense ratio. Not a deposit, not FDIC insured, redeemable typically the same or next business day. 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个月期美国国库券
The rate a treasurer can lock directly, backed by the US government. No credit risk held to maturity, price risk if sold early. 4.25% is the 3-month par yield on the US Treasury daily curve for 29 Sep 2026 (see Sources). This is the floor any alternative should be measured against.
Coinstancy Pro，无锁定期
Covered stablecoin savings in USD or USDC, withdrawals available within 48 hours, KYB (Know Your Business verification) before the first deposit. Not FDIC insured. Eligible funds are covered through OpenCover for specific protocol events, subject to policy terms.
货币市场账户与货币市场基金。.
这两个名称仅一词之差，但工具完全不同。一个是银行的存款，另一个是你拥有的证券。在比较它们的收益率时若不注意这一点，是资金管理审查中最常见的错误。.
| 标准 | 货币市场存款账户 | 货币市场基金 |
|---|---|---|
| 你拥有什么 | A deposit, which is a liability of the bank | 持有短期票据的注册基金的份额 |
| 保险 | FDIC 为每位存款人、每家银行、每个所有权类别提供最高 250,000 美元的保险 | Not FDIC insured. Brokerage account protection (SIPC) covers broker failure, not investment loss |
| 谁设定利率 | 银行单方面设定，可随时调整 | 市场决定，减去基金的费率 |
| 收益率如何报价 | 年化收益率（APY），通常按余额分级 | 7 天净收益率，每日变动 |
| 访问 | 当日到账，但交易次数可能受限 | 赎回通常在当日或下一个工作日结算 |
| 集中度 | 单一机构，单一牌照 | 多元化的短期政府或优质票据投资组合 |
| 可能出现的问题 | 银行倒闭超出保险限额；利率下调未提前通知 | 投资组合中的信用或流动性压力；费用减免取消；某些机构基金类型收取流动性费用 |
政府基金或优质基金
在基金中，对企业财务部门而言，重要的区别在于政府型基金与优质型基金。政府型基金持有国债、机构债券及以其为担保的回购协议。优质型基金则增加了短期公司债和银行票据，这正是额外收益的来源，也是信用风险和流动性风险所在。机构优质型基金具有浮动资产净值和流动性费用机制，而政府型基金则没有。如果任务是资本保值而非收益最大化，政府型基金是常规选择，而小幅的收益让渡则是无需在压力周向董事会解释优质型基金所付出的代价。.
工具级别的比较，包括 Coinstancy Pro 的定位，请参见 货币市场比较页面。
存款门槛和利率层级。.
企业货币市场利率几乎从来不是一个单一数字。它是一个包含档位、最低金额和条件的表格，而广告中的数字是其中看起来最好的一行。.
标题利率是一个档位，而不是一个余额
分层货币市场账户可能仅对最高档内的金额适用其最高利率，较低档位的收益则更少。两个宣传相同数字的账户，在相同存款上可能支付截然不同的混合收益率。请询问该利率是跨余额混合计算，还是按每档分别适用。.
最高档位可能高于您的余额
广告利率通常只有在大多数运营企业从未在一个账户中持有的阈值下才能达到。低于该阈值，您只能获得基础档位，而这在营销中很少被提及。请阅读完整的档位表，而不仅仅是第一行。.
或者它可能低于您的余额
反向结构也存在：第一档利率较高，而超出部分利率则低得多。这种设计旨在吸引存款而不为规模买单，并且恰好惩罚了那些有闲置现金的财务部门。.
促销利率到期
新客户优惠通常设有期限，通常附带新资金条件，排除机构内已有余额。请在开户当天记下重置日期，因为到期时没有人会提醒您。.
关系定价不在利率页面上
Above a certain size, the published rate is a starting point. Banks price deposits against the rest of the relationship: credit facilities, card volume, treasury management fees. The number you can negotiate is not the number you can compare.
赚取利息的最低金额，以及避免费用的最低金额
这是两个不同的阈值，它们很少相等。低于第一个阈值会使您失去利率；低于第二个阈值则会产生月度费用。介于两者之间的余额收益很少，但仍会被计费。.
在比较两个账户之前，先问三个问题
- At my actual average balance, what rate applies, and is it blended or per tranche?
- 哪个阈值触发费用，哪个阈值触发利率？它们通常是不同的。.
- 如果这是促销活动，它何时重置，重置为什么？
Coinstancy Pro has no tier table for balances: the rate is set by the term you commit to, not by how much you deposit. 6.00% with no lock, up to 6.75% at twelve months, the same for every account size, as of September 2026.
侵蚀标称利率的费用。.
The advertised APY is gross. What reaches your income statement is interest earned minus what the relationship costs. On a fee schedule with flat charges, a smaller balance loses a larger share of its return.
| 费用 | 如何降低实际收益 |
|---|---|
| 月度维护费 | 除非保持最低余额，否则将收取此费用；固定成本相对于百分比收益，因此对小额余额的影响最大。 |
| 超额交易费 | 按账户每月免税额以上的每笔提款或转账收取 |
| 账户分析费 | 资金管理模块按月计费，有时以收益抵免抵消，而非以现金支付 |
| 收益抵免没收 | 余额产生的抵免仅用于抵消费用；未使用的抵免通常到期失效，而非支付现金 |
| 电汇和ACH发起费 | 按笔计费，随支付量增长，与存款利率无关，但计入同一回报中抵扣 |
| 基金费用率 | Deducted before the quoted 7-day yield on a money market fund. Already reflected, but the waivers supporting it can be withdrawn |
计算您自己的净收益率
取十二个月的账单。加上计入的利息，减去账户上收取的每一笔费用，再除以同期的平均余额。这个数字才是存款实际产生的回报。它通常远低于营销页面上的利率，也是唯一值得与替代方案进行比较的数字。.
与有担保的稳定币收益率相比。.
收益率差距是这次比较中容易的部分。决定性的部分在于你所放弃的：存款保险，以换取更窄的保障范围和48小时的提款窗口。.
| 标准 | 商业货币市场账户 | Coinstancy 专业版 |
|---|---|---|
| 存款保险 | 每位存款人、每家银行、每个所有权类别，FDIC保险最高可达250,000美元 | 无。此产品不受FDIC保险保障 |
| 覆盖率 | 不适用 | OpenCover，针对Coinstancy定义的敏感协议，依据保单条款、限额和除外责任 |
| 访问 | 当日，受交易限额限制 | 48 小时内可提款 |
| 合格资产 | 美元 | 仅限USD或USDC |
| 入门 | 开户，商业文件 | 首次存款前进行KYB |
| 托管 | 银行持有存款 | Coinstancy holds the funds (custodial) and deploys them in reviewed DeFi protocols; the client holds no keys |
| 利率确定性 | 银行可随时修改 | Contractual for the tier selected; early exit returns capital and forfeits accrued interest |
| 存入余额 | 按示例4.00% | Coinstancy Pro，无锁定期（6.00%） | Coinstancy Pro，12个月（6.75%） | 差异，无锁定期 |
|---|---|---|---|---|
| $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 |
4.00% 这一列仅为算术示例，并非来自可靠来源或调查所得的银行利率。请用您从自己的账单中计算出的净利率进行替换。所示数字为税前单利年利率，假设该利率在全年内保持不变，且 Coinstancy Pro 等级在所选锁定期之外不作保证。 使用计算器运行您自己的余额。
额外收益无法为您带来的东西
A money market deposit account carries FDIC insurance and this product does not. Funds are covered by OpenCover on Sensitive Protocols defined by Coinstancy, for specific protocol events (smart contract code bugs, oracle manipulation or failure, liquidation failure, malicious governance takeover), subject to policy terms, limits and exclusions. The coverage page sets out the full scope.
方法论。.
利率比较的价值取决于其数据来源规则的价值。以下是我们完整的规则。.
每月手工收集一次
Every bank rate on this page is read manually from the institution’s own published rate page or fee schedule, then dated. Nothing here comes from a rate aggregator, an affiliate feed or an automated scrape. Until a rate has been read and dated at the source, its cell carries a status label (“to be sourced”, “not published without ZIP”) rather than a number. The bank readings are the same as on the rate barometer, so the two pages never disagree.
APY，标准企业层级，无关系定价
我们记录标准业务层级所公布的年度百分比收益率，该层级无需关系协议、资金管理合同或协商例外即可获得。促销和 introductory 优惠在存在时单独记录，绝不与标准利率混合。.
层级按公布情况记录
当账户采用分级利率时，我们会记录入门利率、达到广告利率所需的余额，以及该利率适用于全部余额还是仅适用于该档位内的部分。对于分级产品，单一数字无法与任何其他产品进行比较。.
我们自己的网格来自产品说明书
Coinstancy Pro 的数字是所示日期生效的合同利率：无锁定期为 6.00% APY，十二个月为 6.75%。这些利率按年化计算，税前报价，并且不保证超出您选择的锁定期。利率变更会在生效当天反映在此处。.
我们不会做什么
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.
更正
如果这里的某个数字已过时或错误，则属于页面缺陷。请发送来源链接，更正将在下次审核时或更早进行。页面顶部的审核日期即为承诺。.
来源与延伸阅读
本页面中的数字和声明均基于以下文档。具有时效性的数字（利率、收益率、费用、市场数据）会变动：在据此行动之前，请在来源处核实实时数值。.
- Axos Bank, Business Premium Savingsaxosbank.com
3.50% APY 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 promotional. Read 30 Sep 2026.
- 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，商业储蓄利率wellsfargo.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.
- FDIC，全国利率及利率上限fdic.gov
National average rates of 0.37% on savings and 0.63% on money market deposit accounts as of September 21, 2026, the benchmark quoted in the panel section.
- FDIC，存款保险fdic.gov
The $250,000 limit per depositor, per insured bank, per ownership category, and the statement that mutual funds and securities are not deposits and are not insured.
- SEC, money market fund rules (Rule 2a-7, 17 CFR 270.2a-7)ecfr.gov
Portfolio, liquidity and liquidity fee requirements for money market funds, behind the account-versus-fund comparison.
- US Treasury, daily par yield curvehome.treasury.gov
3-month Treasury bill par yield of 4.25% on 29 Sep 2026, the benchmark card in the panel section.
- 美联储，公开市场操作federalreserve.gov
Federal funds target range of 3.75% to 4.00% since September 17, 2026, the rate that deposit and money market yields follow.
- 开放保障opencover.com
The provider of the protocol coverage arranged for Coinstancy Pro; the scope, limits and exclusions are on the coverage page.
Last reviewed: 30 September 2026. External links open in a new tab; Coinstancy is not responsible for their content.