RateHerald

APY on $10,000

0.05%

As of Nov 8, 2026. Rates are variable.

Cathay Bank · Money market account

Cathay Optima Money Market

−$595 a year on $10,000 at today’s 0.05% APY. $50 a month. $100,000 to open.

Checked Nov 8, 2026Updated

A year on $10,000
APY on $10,000
Monthly fee
To open

In dollars

What it earns in a year

Interest at the APY for each balance, minus any monthly fee you’d pay. Pick your balance; the rail’s figure follows it.

Rates are variable; these are today’s.

Against the market

How it ranks

#173of 174 money market accounts, by a year’s value on $10,000

All 174 money market accounts, ranked

Features

  • Interest bearing

From the bank’s own pages. A feature not listed may still be offered: we list only what the bank states.

Rates by balance

$0.01 to $9,999.99
0.05%
$10,000 to $100,000
0.05%
$100,000 to $300,000
0.10%
$300,000 to $500,000
0.15%
$500,000 to $1,000,000
0.20%
$1,000,000 to $3,000,000
0.25%
$3,000,000 to $4,999.99
0.25%
$5,000,000 and up
0.25%

The bank’s rates · as of Nov 8, 2026

In the bank’s words

Terms

Rate conditions

Balance needed for the APY
$0.01cathaybank.com, checked Nov 8, 2026
Interest compounds
monthlycathaybank.com, checked Nov 8, 2026

Fees

Monthly fee
$50 a monthcathaybank.com, checked Nov 8, 2026
Ways to avoid the monthly fee
maintain a minimum daily balance of $100,000 in the accountcathaybank.com, checked Nov 8, 2026
Minimum to open
$100,000cathaybank.com, checked Nov 8, 2026
ATM network
PULSE Select / Money Passcathaybank.com, checked Nov 8, 2026

FDIC-insured, up to $250,000 per depositor, per ownership category: FDIC BankFind.

Rates and fees change; the bank’s own page is the final word. Report a mistake · How we make money

See it on cathaybank.com

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