High Yield Savings Account
Rates as of 09/09/2025.
*Annual Percentage Yield (APY) as of 09/09/2025. Minimum account opening balance is $250. Opening balance of $0 - 49,9999.99 will receive 1.80% APY; $50,000+ will receive 3.60% APY. The calculator only displays an account balance of $50,000+ to earn the stated APY. The calculator is for illustrative purposes only and may not apply to your individual circumstances. Calculated values assume that principal and interest remain on deposit and are rounded to the nearest dollar. All APYs are subject to change. Your interest rate and APY may change after the account is opened. Fees could reduce the earnings on the account. Online application is subject to approval. Restrictions and limitations apply. Local branches may offer different products with varying terms and conditions.
How to open an account?
It's fast, easy and secure.
1
Click "Open Now"
Begin our secure account opening process
2
Enter your information
Including your name, address, date of birth and Social Security Number
3
Transfer Funds
Link to your account at another bank
Online Personal Savings Account FAQs
At this time, our online accounts are available exclusively to residents of California, New Jersey, New York, Texas, Nevada, Washington and Arizona.
The minimum account opening balance to open a CTBC Online Personal Savings Account is $250.00.
There is no account maintenance fee.
There is no minimum balance requirement.
• Visit a local CTBC branch
• Online funds transfer between your CTBC accounts
• Send a Wire Transfer (a service charge applies)
• Visit a local CTBC branch
• Transfer money between your CTBC accounts.
• Use direct deposit to set up your paycheck or Social Security deposit
• Incoming Wire Transfer (a service charge applies)
• Deposit check(s) via CTBC mobile app
• Send a check by U.S. mail (we don’t accept cash). The check must be payable to you and endorsed with your name and indicate "For Deposit Only to CTBC Bank" and your account number. Mail to:
CTBC Bank – VB Customer Support
56 E. Duarte Rd., Unit 108
Arcadia, CA 91006
The number of certain types of withdrawals and transfers from savings account is limited to a combined total of 6 per calendar month per account. If you exceed these transaction limitations during any calendar month, you will be charge $10 exceed transaction fee per debit. (Please refer to Fee of Schedule). If you exceed these limits on more than an occasional basis, we reserve the right to close your Account.
Below are the transactions that count towards the six (6) withdrawals or transfers per calendar month:
• ACH Transfers
• Wire Transfers (a service charge applies)
• Phone Transfers
• Online Transfers
• Transfers to repay loans at CTBC Bank
