Rate Sheet
Version 1.3 · Effective Aug 21, 2026
Current interest rate and Annual Percentage Yield (APY) for the Athena Cash. Rates are variable and may change at any time.
- 0.26% APY · 0.26% interest rate (variable).
- Formula: 10% of (Effective Federal Funds Rate − 1.00%).
- Compounded daily, credited monthly, daily-balance method.
- No minimum to open; no minimum balance to earn.
Rate Sheet
| Term | Disclosure |
|---|---|
| Annual Percentage Yield (APY) | 0.26% APY (variable) |
| Interest rate (nominal) | 0.26% (variable) |
| Rate-setting formula | 10% of (Effective Federal Funds Rate minus 1.00%), subject to the rate floor below |
| Rate floor | 0.00% — the interest rate and APY will never be less than 0.00% |
| Compounding / crediting | Compounded daily, credited monthly |
| Balance method | Daily balance method on the full collected balance |
| Minimum to open | $0 |
| Minimum balance to earn APY | None |
Rates are variable and may change at any time without notice. APY is accurate as of Aug 21, 2026.
Rate floor. The interest rate and APY are subject to a floor of 0.00%. If the rate-setting formula produces a result below 0.00%, the rate and APY are 0.00%. The rate and APY will never be negative, and we will never charge you interest on, or deduct interest from, your deposit balance.