Cathay Bank

FDIC-insured · certificate 18503

Savings, money market and checking, with every rate from Cathay Bank’s own pages and every rank against the accounts we track.

Checked Nov 1, 2026Updated Nov 1, 2026

Every account we track

Accounts and rates

A year on $10,000, after fees

Cathay Digital Personal Money MarketMoney market account · $5,000 to open0.30%$10$10 a month

Cathay Optima Money MarketMoney market account · $100,000 to open0.25%−$595$50 a month

Cathay Smart Money MarketMoney market account · $5,000 to open0.25%$5$10 a month

Cathay Passbook SavingsSavings account · $100 to open0.05%$3$3 a month

Cathay Student SavingsSavings account · $10 to open0.05%$3None

Cathay Statement SavingsSavings account · $100 to openNot stated—$3 a month

Cathay savingsSavings accountNot stated—Not stated

Cathay money_marketMoney market accountNot stated—Not stated

Against 1043 checking accounts

Cathay Digital Personal Interest CheckingChecking account · $2,000 to open0.10%#39$15 a month

Cathay ValuePlus CheckingChecking account · $2,000 to open0.05%#57$15 a month

Cathay checkingChecking account · $100 to openNot stated#261$10 a month

Cathay Digital Personal CheckingChecking account · $100 to openNot stated#286$10 a month

Cathay Everyday CheckingChecking account · $25 to openNot stated#324$3 a month

Cathay Basic CheckingChecking accountNot stated#681Not stated

Cathay Student Advantage CheckingChecking account · $10 to openNot stated—None

Against the market

Where each ranked account sits on our list for its kind. Further right is higher on the list.

Savings and money market accounts rank by a year on $10,000; checking by a year for an everyday customer; CDs by a year on $10,000 at each term.