Savings Accounts
Highest Business Savings Account Rates
The highest business savings rate on Banksparency is 4.13% APY, advertised by Nelnet Bank on its K-12 High-Yield Savings. The 4.13% needs a balance of at least $2,500,000. Below that, the account advertises 2.84%. This page tracks 168 active business savings accounts from 148 banks.
By Aviel Fahl
|Business Savings Account Rate Summary
148 banks tracked in this category.
The mean of all tracked business savings account APYs is 0.82%. The FDIC national average for savings accounts is 0.37% as of Sep 2026. The effective federal funds rate is 3.88% as of Oct 1, 2026.
Market Snapshot
Top 10 Range
3.50%–4.13% APY
Average APY
0.82% APY
The mean of all tracked business savings accounts
FDIC National Average
0.37%
savings accounts, cap 4.38% · Sep 2026
Fed funds rate
3.88%
As of Oct 1, 2026
What a higher rate is worth
A year at the FDIC national average returns about $37 in interest on a $10,000 balance. The highest business savings accounts we track advertise 3.50%–4.13% APY (top rate: needs at least $2,500,000).
The neighbouring rankings, if this is not the account you want:
Latest Rate Changes
Review every rate change captured for the selected timeframe.
Effective Federal Funds Rate
Policy rate benchmark
- Nelnet Bank
K-12 High-Yield Savings
4.13% APY+0.06 percentage points
Highest Business Savings Account Rates Right Now
Ordered by highest APY. The top 50 of 168 products tracked.
Nelnet Bank leads at 4.13% APY (needs at least $2,500,000) on its K-12 High-Yield Savings. The tenth-ranked business savings rate is 3.50%, so the top ten span 0.63 points. The FDIC national average is 0.37%.
Nelnet Bank
K-12 High-Yield Savings
needs at least $2,500,000
Goldwater Bank, N.A.
High Yield Savings Business
Primis Bank
Primis Business Savings
| Institution | Product / Term | APY | Sponsored link |
|---|---|---|---|
| Nelnet Bank | K-12 High-Yield Savingsneeds at least $2,500,000 | Up to4.13% | |
| Goldwater Bank, N.A. | High Yield Savings Business | 4.00% | |
| Primis Bank | Primis Business Savings | 4.00% | |
| Prime Alliance Bank | Business Savings Accountneeds at least $200,000 | Up to3.90% | |
| Waterman Bank | Business Savings | 3.82% | |
| Climate First Bank | Super Savings | 3.56% | |
| Axos Bank | Business Premium Savings | 3.50% | |
| Capital One | Business Savings Account | 3.50% | |
| Northeast Bank | Business Growth Savingsneeds at least $250,000 | Up to3.50% | |
| Seattle Bank | Private Concierge Business Savingsneeds at least $1,000,000 | Up to3.50% | |
| Forbright Bank | Bright Business Savingsneeds at least $250,000 | Up to3.46% | |
| Seattle Bank | Private Business Savings | 3.40% | |
| Axiom Bank, National Association | SMB Savings | 3.25% | |
| Millbury National Bank | Business Saverup to $100,000 only · checking account required | 3.25% | |
| New Haven Bank | IOLTA Account | 3.19% | |
| The Bank of Tescott | Traditions High Yield Business Savingsneeds at least $5,000 | 3.16% | |
| New OMNI Bank, National Association | Business Membership Savingsneeds at least $5,000,000 | Up to3.15% | |
| First Commerce Bank | Business Relationship Savings | 3.00% | |
| The Camden National Bank | Business High-Yield Savings Accountneeds at least $250,000 · checking account required | Up to3.00% | |
| Stearns Bank National Association | BusinessSmart Market Savingsneeds at least $500,000 | Up to2.99% | |
| Live Oak Bank | Business Savings | 2.75% | |
| Westside State Bank | Business Savingsneeds at least $500,000 | Up to2.75% | |
| Olympia Federal Savings and Loan Association | Companion Savingschecking account required | 2.57% | |
| Banner Bank | Business High Yield Relationship Savings Accountneeds at least $500,000 · checking account required | 2.53% | |
| Walden Mutual Bank | Save Local Businessbalances of $10,000 to $249,999.99 only | 2.50% | |
| Seattle Bank | Business Savings | 2.40% | |
| Bank of Commerce | Business Savings | 2.35% | |
| NBT Financial Bank | Savings Commercial | 2.07% | |
| 1st Bank of Sea Isle City | Business Reserve Savingschecking account required | 2.01% | |
| First Fed Bank | Premium Business Savingsneeds at least $100,000 | 2.00% | |
| Maine Community Bank | Smart Business Savingsneeds at least $250,000 | Up to2.00% | |
| Institution for Savings in Newburyport and Its Vicinity | Business Diamond Savingsneeds at least $25,000 | 1.80% | |
| Minnwest Bank | Platinum Business Savingsneeds at least $1,000,000 | Up to1.76% | |
| American State Bank & Trust Company of Williston | Business Savingsneeds at least $1,000,000 | Up to1.66% | |
| First National Bank Of Commerce | Business & Public High-Yield Savings | 1.51% | |
| Enterprise Bank | Simplicity Business Savings | 1.41% | |
| Southside Bank | Business Savings Accountneeds at least $250,000 | Up to1.41% | |
| Cornerstone State Bank | CornerStone Business Savingsneeds at least $150,000 | Up to1.31% | |
| Empire State Bank | e-Advantage Business Savingschecking account required | 1.25% | |
| Cornerstone State Bank | CornerStone Public Funds Savingsneeds at least $150,000 | Up to1.21% | |
| Oxford Bank | Business Savingsneeds at least $500,000 | Up to1.11% | |
| Gainey Business Bank | Business Savings | 1.00% | |
| Headwaters State Bank | Commercial Savings | 1.00% | |
| Shoreham Bank | Premier Business Savings | 1.00% | |
| First Internet Bank of Indiana | Business Regular Savings | 0.90% | |
| Northrim Bank | Business Performance Savingsbalances of $1,000,000 to $29,999,999 only | Up to0.88% | |
| Citizens Bank Minnesota | Business Savingsneeds at least $100,000 | Up to0.75% | |
| Texas Heritage National Bank | Business Savings | 0.75% | |
| Union County Savings Bank | Business Savingsup to $99,999.99 only | 0.75% | |
| American Bank & Trust Company, Inc. | Business Savings | 0.50% |
Business Savings Account rate questions
What is the highest business savings rate right now?
Nelnet Bank advertises 4.13% APY (needs at least $2,500,000) on its K-12 High-Yield Savings, the highest of 168 active business savings accounts tracked on Banksparency.
What is the average business savings rate?
The mean of all 168 tracked business savings account APYs is 0.82%. It is a plain mean across every tracked product.
How do the top business savings rates compare with the FDIC national average?
The ten highest advertised rates run from 3.50% to 4.13% APY (top rate: needs at least $2,500,000), against an FDIC national average of 0.37%. The FDIC national rate cap for savings accounts is 4.38%.
When were these business savings rates last observed?
The newest reading on this page is from Monday, October 5, 2026. Banksparency reads each institution's advertised rate on that institution's own website, and it records the date of each reading. Some rates on this page carry an earlier date. A rate can change at any time, so confirm it with the institution before you open an account.