我们的利率表与美国银行实际支付的利率对比，每月更新并附来源。.
Coinstancy Pro rates as of September 2026 · Bank panel read at the source on 30 Sep 2026 · Next review October 2026
简要说明
- 六个层级，一个产品：6.00% 年化收益率，无锁定期，十二个月期限最高可达 6.75%，前六个月享有 7.00% 的优惠利率。.
- 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.
- 资金由OpenCover在Coinstancy定义的敏感协议上提供保障，受保单条款、限额和除外责任的约束。本产品不受FDIC保险。.
本月Coinstancy Pro利率表。.
六个层级，一款产品。利率随您承诺的期限而上升，且所有锁定层级的退出规则相同：返还本金，放弃应计利息。.
每个柱状图代表2026年9月生效的网格中的一个层级；每个标签下方显示您承诺的期限以及提前退出时适用的规则。每个层级（包括入门利率）均可在48小时内提款。.
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.
Chase、Wells Fargo、Axos、Live Oak 和 Amex 的利率。.
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.
美国商业存款利率，读取于2026年9月30日，2026年9月版，与上方表格采用相同刻度。Axos Business Premium Savings 从 $0 到 $4,999,999.99 统一支付 3.50% APY，无最低存款要求即可获得；宣传的“最高 3.60%”需要捆绑支票账户和促销代码，因此被记录为促销利率，而非标准利率。Live Oak Business Savings 支付 2.75% APY，单一利率，无最低要求。Chase 和 Wells Fargo 仅在输入邮政编码后才会公布其商业储蓄利率，而 American Express Business Checking 页面无法读取：这些行显示为阴影带和状态标签，而非条形。Coinstancy Pro 不按余额分级，其表格已于2026年9月验证。.
银行提供而我们没有的服务
银行宣传利率通常隐藏的内容
当您进行比较时，请进行同类比较：您实际余额上实际获得的利率（扣除费用后），而不是营销页面上的数字。 与商业储蓄账户的逐行比较 列出了全部交易，包括您放弃的内容。
货币市场基金和短期国库券：真正的基准。.
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.
政府货币市场基金
跟踪曲线前端，扣除基金费用率。非存款，不受FDIC保险，且不涉及智能合约风险。Vanguard VMFXX和Fidelity SPAXX基金页面在2026年9月30日无法读取，因此此处未显示收益率：请查看基金页面上的当前7日收益率。.
3个月期美国国库券
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.
如何一起阅读这三列
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.
10万美元、50万美元和100万美元的美元差额。.
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.
| 闲置余额 | 按4.00%（示例） | 按6.00%无锁定期 | 按6.75% 12个月 | 差额 |
|---|---|---|---|---|
| $100,000 | $4,000 | $6,000 | $6,750 | +$2,000 12个月后+$2,750 |
| $500,000 | $20,000 | $30,000 | $33,750 | +$10,000 12个月后+$13,750 |
| $1,000,000 | $40,000 | $60,000 | $67,500 | +$20,000 12个月后+$27,500 |
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.
方法论与来源。.
此页面上的费率每月手动收集一次。每个数据均标注日期，任何未经来源核实的数据都会保持相应标记。.
收集周期
在来源处读取
每月第一周，会打开各机构发布的费率页面，并记录标准业务层级及日期。.
记录，或标记为未核实
如果某项费率未发布、仅应要求提供或无法确认，该单元格会带有状态标签（例如“未提供ZIP时不予发布”），或在该版本中保持标记为“待获取”。.
归档上个月
即将过期的网格会移至下方的历史记录表中，这样读者可以看到价差的变化，而不仅仅是今天的快照。.
我们应用的规则
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 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.
APY，标准企业层级，无关系定价
我们记录的是广告宣传的年化收益率，而非名义利率，适用于无需关系协议、资金管理合同或协商例外即可获得的标准企业层级。促销和 introductory 优惠在存在时单独记录，绝不与标准利率混合。.
我们自己的网格来自产品说明书
以上Coinstancy Pro等级为所示日期生效的合同利率。这些利率按年化计算，为税前报价，且不保证在您选择的锁定期之后的任何期限内保持不变。利率变动会在生效当日反映于此，之前的利率表将移至历史记录表中。.
我们不会做什么
我们不评级机构，不发布无法在源头核实的利率，也不将银行比较作为投资建议呈现。银行存款与有担保的稳定币储蓄产品是承载不同风险的不同工具：比较的是收益率，而非安全性。.
发现我们提供的汇率有误或已过时？请通过 联系页面 告知我们，我们将在下一版中更正。货币市场面板的方法说明见 商业货币市场利率指南。
利率历史，逐月查看。.
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.
逐月表格，自2026年9月版起
| 月份 | 介绍性利率 | 无锁定期 | 12个月锁定期 | 银行面板，已发布利率 |
|---|---|---|---|---|
| 2026年9月 | 7.00% | 6.00% | 6.75% | 2 of 5 published: 3.50% and 2.75% |
| 2026年8月 | 未发布 | 未发布 | 未发布 | 待获取 |
| 2026年7月 | 未发布 | 未发布 | 未发布 | 待获取 |
如何理解“未发布”和“待来源”
“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.
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 (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，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.
- 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.
- Fidelity，政府货币市场基金（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.