Taxas de poupança empresarial, atualizadas mensalmente
Nossa grade de taxas em comparação com o que os bancos dos EUA realmente pagam, atualizada todos os meses com fontes.
Coinstancy Pro rates as of September 2026 · Bank panel read at the source on 30 Sep 2026 · Next review October 2026
A versão resumida
- Seis níveis, um produto: 6,00% APY sem bloqueio, até 6,75% em um prazo de doze meses, e uma taxa introdutória de 7,00% para os primeiros seis meses.
- 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.
- Os fundos são cobertos pela OpenCover em Protocolos Sensíveis definidos pela Coinstancy, sujeitos aos termos da apólice, limites e exclusões. Este produto não é segurado pela FDIC.
A grade de taxas do Coinstancy Pro deste mês.
Seis níveis, um produto. A taxa aumenta com o prazo que você se compromete, e a regra de saída é a mesma em todos os níveis bloqueados: capital devolvido, juros acumulados perdidos.
Cada barra representa um nível da grade em vigor em setembro de 2026; sob cada rótulo, o prazo ao qual você se compromete e a regra que se aplica se você sair antecipadamente. Saques estão disponíveis em até 48 horas em todos os níveis, incluindo a taxa introdutória.
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.
O que Chase, Wells Fargo, Axos, Live Oak e Amex pagam.
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.
O que o banco oferece que nós não oferecemos
O que a taxa bancária de destaque geralmente esconde
Ao comparar, compare o que é comparável: a taxa que você realmente recebe sobre seu saldo real, após taxas, não o número na página de marketing. A comparação linha por linha com uma conta poupança empresarial apresenta o custo total, incluindo o que você abre mão.
Fundos do mercado monetário e títulos do Tesouro: o verdadeiro referencial.
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.
Fundo do mercado monetário do governo
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.
Letra do Tesouro a 3 meses
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.
Como ler as três colunas juntas
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.
A diferença em dólares em $100k, $500k e $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.
| Saldo ocioso | A 4,00% (ilustração) | A 6,00% sem bloqueio | A 6,75% em 12 meses | Diferença |
|---|---|---|---|---|
| $100,000 | $4,000 | $6,000 | $6,750 | +$2,000 +$2.750 em 12 meses |
| $500,000 | $20,000 | $30,000 | $33,750 | +$10,000 +$13.750 em 12 meses |
| $1,000,000 | $40,000 | $60,000 | $67,500 | +$20,000 +$27.500 em 12 meses |
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.
Metodologia e fontes.
As taxas nesta página são coletadas manualmente, uma vez por mês. Cada valor é datado, e qualquer valor que não tenhamos verificado na fonte permanece marcado como tal.
O ciclo de coleta
Leitura na fonte
Na primeira semana de cada mês, a página de taxas publicada de cada instituição é aberta e o nível de negócio padrão é registrado, com a data.
Registrar ou marcar como não verificado
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.
Arquivar o mês anterior
A grade de saída move-se para a tabela de histórico abaixo, para que o leitor possa ver como o spread se moveu, em vez de apenas o instantâneo de hoje.
As regras que aplicamos
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.
Registramos o rendimento percentual anual anunciado, não uma taxa nominal, para o nível empresarial padrão disponível sem um acordo de relacionamento, um contrato de gestão de tesouraria ou uma exceção negociada. Ofertas promocionais e introdutórias são registradas separadamente quando existem e nunca são combinadas com a taxa padrão.
Os níveis do Coinstancy Pro acima são as taxas contratuais em vigor na data indicada. São anualizadas, cotadas antes de impostos, e não são garantidas por qualquer período além do bloqueio que você selecionar. Uma alteração de taxa é refletida aqui no dia em que entra em vigor, e a grade anterior passa para a tabela de histórico.
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.
Encontrou uma taxa que temos errada ou desatualizada? Informe-nos através da página de contacto e iremos corrigi-la na próxima edição. Uma nota metodológica para o painel do mercado monetário está no guia de taxas do mercado monetário empresarial.
Histórico de taxas, mês a mês.
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.
Fontes e leitura adicional
Os números e as afirmações nesta página baseiam-se nos documentos abaixo. Os números sensíveis ao tempo (taxas, rendimentos, comissões, dados de mercado) mudam: verifique o valor atual na fonte antes de agir com base nele.
- 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, Poupança Empresarialliveoakbank.com
2.75% APY, single rate, no tiers, interest from $0.01, no minimum opening deposit. Read 30 Sep 2026.
- Chase, divulgações e taxas de juros para empresaschase.com
As taxas de Business Total Savings e Business Premier Savings são exibidas somente após a inserção de um CEP. Verificado em 30 de setembro de 2026.
- Wells Fargo, taxas de poupança para empresaswellsfargo.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.
Garanta a taxa deste mês ou faça primeiro as perguntas difíceis.
Abra uma conta diretamente. Se a sua equipa financeira precisar dos termos de cobertura e dos requisitos de KYB antes disso, a nossa equipa pode responder através da página de contacto.