Current Rates
Rates you can
Rates you can
actually earn.
All rates effective as of August 4, 2026. Rates may change at any time. APY assumes monthly compounding.
4.85% APY
6.75% Mortgage
$0 Fees
Savings APY
4.85%
30-Yr Fixed
6.75%%
Live Forex
Updated
Deposit Accounts
Earn more on every dollar
High-Yield Savings
No minimum, no fee
4.85%
APY
+0.25%
Cathay Checking
On balances up to $10K
0.50%
APY
Stable
Money Market
Min. $2,500 to open
4.50%
APY
+0.10%
12-Month CD
Early withdrawal penalty applies
5.10%
APY
Stable
24-Month CD
Early withdrawal penalty applies
4.90%
APY
-0.10%
36-Month CD
Early withdrawal penalty applies
4.70%
APY
Stable
60-Month CD
Early withdrawal penalty applies
4.55%
APY
-0.05%
Borrowing
Borrow at competitive rates
30-Year Fixed Mortgage
Principal & interest, conforming loan
6.75%
APR
-0.12%
15-Year Fixed Mortgage
Principal & interest, conforming loan
6.10%
APR
-0.08%
5/1 ARM Mortgage
Fixed 5 years, then variable
5.85%
APR
Stable
HELOC
Min. $20K draw, 80% LTV max
8.25%
Variable APR
Stable
Personal Loan
Up to $100K, 12-84 month terms
8.49%
Starting APR
Stable
Auto Loan (New)
Up to 84 months
5.99%
Starting APR
-0.25%
Student Loan Refi
Variable and fixed options
4.99%
Starting APR
Stable
Why Cathay
We beat the competition
Cathay High-Yield Savings
4.85%
National Average
0.46%
Big Bank Average
0.01%
On a $10,000 balance, that\'s an extra $439/year in your pocket with Cathay vs. the big banks.
Currency Exchange
Live exchange rates
Currency Converter
Converted Amount
—
Indicative rates for reference only. Actual transfer rates may vary.
Live Forex Rates
EUR/USD
1.0863
0.12%
GBP/USD
1.2741
0.08%
USD/JPY
149.5200
0.31%
USD/CHF
0.9012
0.05%
AUD/USD
0.6534
0.15%
USD/CAD
1.3621
0.07%
Rates as of 6:38 AM UTC · Updated every 15 minutes