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Savings Plan Rates


Account Type Minimum Opening Deposit Minimum Balance
to obtain Annual Percentage Yield
Interest Rate1,2 Annual Percentage Yield1,2

Student Savings

$10.00 All Balances 0.05% 0.05%

Passbook Savings

$100.00 All Balances 0.05% 0.05%

Statement Savings

$100.00 All Balances 0.05% 0.05%

Security Savings3

$300.00 All Balances 0.05% 0.05%

Smart Money Market

$3,000,000.00 and Over $5,000.00 $3,000,000.00 0.60% 0.60%
$1,000,000.00 to 2,999,999.99 $5,000.00 $1,000,000.00 0.50% 0.50%
$500,000.00 to 999,999.99 $5,000.00 $500,000.00 0.45% 0.45%
$300,000.00 to 499,999.99 $5,000.00 $300,000.00 0.30% 0.30%
$100,000.00 to 299,999.99 $5,000.00 $100,000.00 0.20% 0.20%
$50,000.00 to 99,999.99 $5,000.00 $50,000.00 0.15% 0.15%
$25,000.00 to 49,999.99 $5,000.00 $25,000.00 0.10% 0.10%
$10,000.00 to 24,999.99 $5,000.00 $10,000.00 0.05% 0.05%
$0.01 to 9,999.99 $5,000.00 $0.01 0.05% 0.05%

Optima Money Market

$5,000,000.00 and Over $100,000.00 $5,000,000.00 0.70% 0.70%
$3,000,000.00 to 4,999,999.99 $100,000.00 $3,000,000.00 0.70% 0.70%
$1,000,000.00 to 2,999,999.99 $100,000.00 $1,000,000.00 0.60% 0.60%
$500,000.00 to 999,999.99 $100,000.00 $500,000.00 0.50% 0.50%
$300,000.00 to 499,999.99 $100,000.00 $300,000.00 0.40% 0.40%
$100,000.00 to 299,999.99 $100,000.00 $100,000.00 0.30% 0.30%
$0.01 to 99,999.99 $100,000.00 $0.01 0.05% 0.05%

1 Variable rate account, the interest rate and annual percentage yield may change after account opening without prior notice. Fees may reduce the earnings on the account.
2 Interest Rates and Annual Percentage Yields are current as of 8/15/2013.
3 Security Savings account available only as a collateral account for Cathay Bank's Secured Credit Card product.


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