Bank · FDIC insured
Cathay Bank Savings Rates
A $24.6B bank, the 88th largest of 4,207, headquartered in Los Angeles, CA, with 63 branches in 9 states.
How Cathay Bank’s savings rates compare
Compared with banks and credit unions in California, where Cathay Bank has the most branches. $10,000, best rate first.
This bank’s best
Cathay Bank
0.10%APY
- Requires
- None
- Minimum
- $100,000
- Earns on $10,000 a year
- —
Optima Money Market
Top rate
Woori America Bank
5.00%APY
- Requires
- Monthly account activity
- Minimum
- $1,000
- Earns on $10,000 a year
- $500
2nd-highest rate
Axos Bank
5.00%APY
- Requires
- Another account
- Minimum
- $0
- Earns on $10,000 a year
- $500
Every rate
Current savings rates
Rates from the bank’s website. Earnings assume the rate doesn’t change.
Optima Money Market
0.05%APY
Variable tiered interest rate account; interest rate and APY may change after account opening without notice. Interest rate corresponding to balance tier is paid on the entire end-of-day balance. Maintain a minimum daily balance of $100,000 to avoid the $50 monthly maintenance charge.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $10,000Minimum balance to earn APY is $0.01. Maintain a minimum daily balance of $100,000 to avoid the $50 monthly maintenance charge. | 0.05% | — | Minimum balance to earn APY is $0.01. Maintain a minimum daily balance of $100,000 to avoid the $50 monthly maintenance charge. |
| $10,000 – $100,000Minimum balance to earn APY is $10,000.00. Maintain a minimum daily balance of $100,000 to avoid the $50 monthly maintenance charge. | 0.05% | $5 | Minimum balance to earn APY is $10,000.00. Maintain a minimum daily balance of $100,000 to avoid the $50 monthly maintenance charge. |
| $100,000 – $300,000Minimum balance to earn APY is $100,000.00. Maintain a minimum daily balance of $100,000 to avoid the $50 monthly maintenance charge. | 0.10% | — | Minimum balance to earn APY is $100,000.00. Maintain a minimum daily balance of $100,000 to avoid the $50 monthly maintenance charge. |
| $300,000 – $500,000Minimum balance to earn APY is $300,000.00. Maintain a minimum daily balance of $100,000 to avoid the $50 monthly maintenance charge. | 0.15% | — | Minimum balance to earn APY is $300,000.00. Maintain a minimum daily balance of $100,000 to avoid the $50 monthly maintenance charge. |
| $500,000 – $1,000,000Minimum balance to earn APY is $500,000.00. Maintain a minimum daily balance of $100,000 to avoid the $50 monthly maintenance charge. | 0.20% | — | Minimum balance to earn APY is $500,000.00. Maintain a minimum daily balance of $100,000 to avoid the $50 monthly maintenance charge. |
| $1,000,000 – $3,000,000Minimum balance to earn APY is $1,000,000.00. Maintain a minimum daily balance of $100,000 to avoid the $50 monthly maintenance charge. | 0.25% | — | Minimum balance to earn APY is $1,000,000.00. Maintain a minimum daily balance of $100,000 to avoid the $50 monthly maintenance charge. |
| $3,000,000 – $5,000,000Minimum balance to earn APY is $3,000,000.00. Maintain a minimum daily balance of $100,000 to avoid the $50 monthly maintenance charge. | 0.25% | — | Minimum balance to earn APY is $3,000,000.00. Maintain a minimum daily balance of $100,000 to avoid the $50 monthly maintenance charge. |
| $5,000,000 and upMinimum balance to earn APY is $5,000,000.00. Maintain a minimum daily balance of $100,000 to avoid the $50 monthly maintenance charge. | 0.25% | — | Minimum balance to earn APY is $5,000,000.00. Maintain a minimum daily balance of $100,000 to avoid the $50 monthly maintenance charge. |
Sources (2)
- cathaybank.com/es/personal/savings/optima-money-market
- cathaybank.com/personal/savings/optima-money-market
All captured Sep 16, 2026
Opening an account
Confirm the bank’s opening requirements and whether the account is available where you live. A nearby branch does not establish eligibility for every rate.