Cathay BankMoney market accountChecked Oct 10, 2026Updated
Cathay Optima Money Market
0.05%APY on $10,000 · as of Oct 10, 2026
- A year on $10,000
- $5 after fees
- Monthly fee
- No monthly fee
- To open
- $100,000 to open
- On our list
- #82 of 152 money market accounts, by a year’s value on $10,000
Visit CathayThe bank’s own page · checked Oct 10, 2026
What it earns in a year
Interest at the APY for each balance, minus any monthly fee you’d pay. Rates are variable; these are today’s.
| Balance | APY | A year, after fees |
|---|---|---|
| $1,000 | 0.05% | $0 |
| $5,000 | 0.05% | $2 |
| $10,000 | 0.05% | $5 |
| $25,000 | 0.05% | $12 |
| $50,000 | 0.05% | $25 |
| $100,000 | 0.10% | $100 |
Rates by balance
| Balance | APY |
|---|---|
| $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% |
Source: the bank’s rates · as of Oct 10, 2026
Rate conditions
- Interest compounds
- Monthly compoundingSource · checked Oct 10, 2026
Fees
Features
ATM fee rebatesBranch accessInterest bearing
From the bank’s own pages. A feature not listed may still be offered: we list only what the bank states.
Rates and fees change; the bank’s own page is the final word. Report a mistake · How we make money