APY on $10,000
0.05%
As of Nov 8, 2026. Rates are variable.
Cathay Bank · Money market account
Cathay Smart Money Market
$5 a year on $10,000 at today’s 0.05% APY. $10 a month. $5,000 to open.
- A year on $10,000
- Receipt · A year on $10,000Checked Nov 8, 2026
Issuer's page · cathaybank.com
The source states this figure; we have no exact sentence on file yet.
- Balance
- $10,000
- APY
- 0.05%
- Monthly fee, a year
- $120
- A year
- $5
- APY on $10,000
- Receipt · APYChecked Nov 8, 2026
Issuer's page · cathaybank.com
The source states this figure; we have no exact sentence on file yet.
- Monthly fee
- Receipt · Monthly feeChecked Nov 8, 2026
Issuer's page · cathaybank.com
The source states this figure; we have no exact sentence on file yet.
- To open
- Receipt · Minimum to openChecked Nov 8, 2026
Issuer's page · cathaybank.com
The source states this figure; we have no exact sentence on file yet.
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.
Against the market
How it ranks
#77of 174 money market accounts, by a year’s value on $10,000
All 174 money market accounts, rankedFeatures
- 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 $24,999.99
- 0.05%
- $25,000 to $49,999.99
- 0.05%
- $50,000 to $99,999.99
- 0.05%
- $100,000 to $299,999.99
- 0.10%
- $300,000 to $499,999.99
- 0.15%
- $500,000 to $999,999.99
- 0.20%
- $1,000,000 to $2,999,999.99
- 0.25%
- $3,000,000 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
- $10 a monthcathaybank.com, checked Nov 8, 2026
- Ways to avoid the monthly fee
- To avoid the $10 monthly maintenance charge, maintain a minimum daily balance of $5,000 in the account.cathaybank.com, checked Nov 8, 2026
- Minimum to open
- $5,000cathaybank.com, checked Nov 8, 2026
- ATM network
- PULSE Select / Money Pass ATM network (surcharge-free withdrawals)cathaybank.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