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Digital Personal CDs

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Helping you get more out of your money

Certificates of Deposit or CDs provide a safe investment with a fixed interest rate through maturity. Whether you’re investing for a short-term goal or a longer-term financial need, our Digital Personal CDs provide the flexibility to help you grow your savings on your preferred timetable.

Open An Account

Earn higher returns

CDs can earn a higher Annual Percentage Yield (APY) than regular savings deposits.

Flexible terms

A safe investment with a fixed interest rate through maturity, with terms of 6 or 12 months.

A safe investment

Get FDIC protection on your CDs for up to $250,000 per depositor for each ownership category.

Link to other deposit accounts

Interest may be credited to the CD or a Cathay Bank savings or checking account.

Get to know Digital Personal CDs

  • The minimum opening deposit is $10,000.
  • The interest rate is fixed for the term.
  • The term automatically renews at maturity.
  • No monthly maintenance charge.

Digital Personal CD Rates

Terms of deposit

$10,000.00* - $249,999.99 interest rate

$10,000.00* - $249,999.99 Annual Percentage Yield

6-month

0.35%

0.35%

12-month

0.45%

0.45%

 

* Minimum balance required to open an account and to obtain the advertised annual percentage yield (APY). APY assumes interest remains on deposit for the term of the account. A penalty may be applied for early withdrawal. Fees may reduce earnings on the account.

Interest Rates and Annual Percentage Yields are current as of 2024-12-18.

No ATM or debit card service allowed.

 

Cathay Bank

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Please do not include sensitive information such as account numbers or other personal information such as Social Security or Tax Identification numbers, driver’s license numbers, etc. in any email sent to us via this link.

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