Deposit Rates & Asset Yields
Review annual accrual and percentage optimizations configured across personal, money market, and institutional term frameworks. Capital configurations are evaluated systematically based on verified daily balances.
| Account Product Name | Min. Opening Deposit | Min. Balance for APY | Interest Rate | APY |
|---|---|---|---|---|
| Checking Frameworks | ||||
| Interest Checking b | $100.00 | $0.00 | 0.05% | 0.05% |
| Ultimate Checking Framework Tiers b | ||||
| Daily Balance: up to $10,000.00 | $100.00 | $0.00 | 0.05% | 0.05% |
| Daily Balance: $10,000.01 – $25,000.00 | — | — | 0.05% | 0.05% |
| Daily Balance: $25,000.01 and up | — | — | 0.05% | 0.05% |
| Savings & Liquidity Accumulators | ||||
| Statement Savings b | $100.00 | $0.00 | 0.05% | 0.05% |
| Student Statement Savings b | $100.00 | $0.00 | 0.05% | 0.05% |
| Money Market Account Matrix Tiers b | ||||
| Daily Balance: up to $2,500.00 | $100.00 | $0.00 | 0.10% | 0.10% |
| Daily Balance: $2,500.01 – $15,000.00 | — | — | 0.10% | 0.10% |
| Daily Balance: $15,000.01 – $50,000.00 | — | — | 0.10% | 0.10% |
| Daily Balance: $50,000.01 – $100,000.00 | — | — | 0.15% | 0.15% |
| Daily Balance: $100,000.01 and up | — | — | 0.15% | 0.15% |
| Institutional Certificates of Deposit (CD) Frameworks | ||||
| 3-Month Fixed Term CD a | $500.00 | $500.00 c | 0.15% | 0.15% |
| 6-Month Fixed Term CD a | $500.00 | $500.00 c | 0.25% | 0.25% |
| 12-Month Fixed Term CD a | $500.00 | $500.00 c | 0.50% | 0.50% |
| 24-Month Fixed Term CD a | $500.00 | $500.00 c | 0.70% | 0.70% |
| 36-Month Fixed Term CD a | $500.00 | $500.00 c | 0.95% | 0.95% |
| 48-Month Fixed Term CD a | $500.00 | $500.00 c | 1.20% | 1.20% |
| 60-Month Fixed Term CD a | $500.00 | $500.00 c | 1.50% | 1.50% |
| Bump-A-Rate 24-Month CD a,b | $500.00 | $500.00 c | 0.60% | 0.60% |
| Bump-A-Balance 12-Month CD a | $100.00 | $100.00 c | 0.40% | 0.40% |
| Specialty 15-Month Term CD a | $2,500.00 | $2,500.00 c | 0.70% | 0.70% |
a Early Withdrawal Penalty: A regulatory penalty will be imposed for early principal liquidations before term completion.
b Variable Discretionary Accruals: The baseline interest rate and corresponding annual percentage yield are subject to fluctuation parameters after account initiation.
c Daily Balance Parameters: APY criteria calculations evaluate the principal ledger balance sustained across each individual business day tracking cycle.
Account overhead fees may impact or diminish absolute earnings metrics on the ledger. Rates are current as of August 3, 2017. For active rate verifications call our terminal bridge on 310-429-4781. Cathay Finance Trust is a Member of the FDIC.