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   Home >> BOC USA >> News & Information >> Interest & Exchange Rate

USD Interest Rate Sheet(EFFECTIVE: 5/13/2016)


 
  MINIMUM BALANCE TO OBTAIN APY INTEREST RATE % ANNUAL PERCENTAGE YIELD % (APY)
Certificate of Deposit      
1 Month $1,000.00 0.10% 0.10%
2 Month $1,000.00 0.10% 0.10%
3 Month $1,000.00 0.10% 0.10%
6 Month $1,000.00 0.21% 0.21%
9 Month $1,000.00 0.21% 0.21%
1  Year $1,000.00 0.37% 0.38%
2  Year $1,000.00 0.62% 0.63%
30 Month $1,000.00 0.62% 0.63%
4 Year $1,000.00 0.91% 0.91%
Super Time Deposit      
6 Month $5,000.00 0.24% 0.24%
9 Month $5,000.00 0.24% 0.24%
1  Year $5,000.00 0.40% 0.41%
2  Year $5,000.00 0.68% 0.69%
30 Month $10,000.00 0.68% 0.69%
4 Year $10,000.00 1.00% 1.00%
Personal Money Market Account      
$500.00 - $999.99 $500.00 0.05% 0.05%
$1,000.00 - $49,999.99 $1,000 0.05% 0.05%
$50,000.00 - $99,999.99 $50,000.00 0.10% 0.10%
$100,000.00 - $499,999.99 $100,000.00 0.11% 0.11%
$500,000.00 - $999,999.99 $500,000.00 0.12% 0.12%
$1,000,000.00 - $1,999,999.99 $1,000,000.00 0.13% 0.13%
$2,000,000.00 - $2,999,999.99 $2,000,000.00 0.14% 0.14%
$3,000,000.00 and more $3,000,000.00 0.15% 0.15%
Business Money Market Account      
$500.00 – $2,499.99 $500.00 0.05% 0.05%
$2,500.00 - $49,999.99 $2,500.00 0.05% 0.05%
$50,000.00 - $99,999.99 $50,000.00 0.10% 0.10%
$100,000.00 - $499,999.99 $100,000.00 0.11% 0.11%
$500,000.00 - $999,999.99 $500,000.00 0.12% 0.12%
$1,000,000.00 - $1,999,999.99 $1,000,000.00 0.13% 0.13%
$2,000,000.00 - $2,999,999.99 $2,000,000.00 0.14% 0.14%
$3,000,000.00 and more $3,000,000.00 0.15% 0.15%
Savings Account      
$100.00 - $49,999.99 $100.00 0.05% 0.05%
$50,000.00 - $99,999.99 $50,000.00 0.10% 0.10%
$100,000.00 - $499,999.99 $100,000.00 0.11% 0.11%
$500,000.00 - $999,999.99 $500,000.00 0.12% 0.12%
$1,000,000.00 - $1,999,999.99 $1,000,000.00 0.13% 0.13%
$2,000,000.00 - $2,999,999.99 $2,000,000.00 0.14% 0.14%
$3,000,000.00 and more $3,000,000.00 0.15% 0.15%
VIP Savings Account
(Queens Branch Only)
     
$500.00 - $4,999.99 $500.00 0.05% 0.05%
$5,000.00 - $9,999.99 $5,000.00 0.08% 0.08%
$10,000.00 - $49,999.99 $10,000.00 0.13% 0.13%
$50,000.00 - $99,999.99 $50,000.00 0.23% 0.23%
$100,000.00 - $249,999.99 $100,000.00 0.42% 0.43%
$250,000.00 - $499,999.99 $250,000.00 0.52% 0.53%
$500,000.00 and more $500,000.00 0.54% 0.55%
Business Plus Checking Account      
$3,000.00 and more $3,000.00 0.05% 0.05%
Now Account      
$500.00 and more $500.00 0.05% 0.05%

The Interest Rate and APY is subject to change on a weekly basis at the discretion of the Bank and the rates on accounts other than a certificate of deposit (CD) may vary after the account is opened. These rates may change without prior notice. Check deposits are subject to Bank of China USA's Funds Availability Policy.

The APY assumes principal and interest remain on deposit for one year at the current rate. Interest is calculated on a 360-day basis and is applied to actual calendar days. The actual APY earned may be lower due to charges or fees imposed on the accounts.

For certificate of deposit accounts, interest will not be compounded. Accrued interest will be credited to the Account at maturity. A penalty will be imposed for early withdraw of principal for certificate of deposit account. Fees may reduce earnings. For renewed CDs, the rate in effect on the renewal date may not be equal to the current rate.

For all the other listed accounts, interest are compounded on a daily basis and credited to accounts monthly.

For money market and saving accounts, there are transaction restrictions. The depositor may make up to six (6) telephones, automatic or pre-authorized transfers from the account each month. Any excess transactions will not be processed by the Bank. If the maximum number of transactions is exceeded, the Bank reserves the right to transfer the funds in the account to another type of account.

For more information, please contact Bank of China USA customer representative at (212)935-3101 or (212)925-2355.

Bank of China New York Branch (Member FDIC)
Bank of China Queens Branch (Member FDIC)
Bank of China Chicago Branch (Non- FDIC insured)
Bank of China Los Angeles Branch (Non-FDIC insured)

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