Academy Bank, National Association savings, CD and money market rates
Academy Bank, National Association's Oloy High-Yield Savings Account lists 4.15% APY on balances of $25,000 or more, and 3.85% below that. On a $10,000 balance the account earns 3.85% overall, about $385 in a year, which is 3.47 percentage points above the national savings average of 0.38% (FDIC, Oct 2026).
Ranked #48 of 3121 tracked savings rates by advertised APY. For a $10,000 balance it would rank #61.
Estimate your earnings·What Academy Bank, National Association actually pays
Academy Bank, National Association at a glance
| Savings | |
|---|---|
| Top savings APY | Up to 4.15% · Oloy High-Yield Savings Account · balances of $25,000 to $3,000,000 only |
| Minimum to open | $1,000 · Oloy High-Yield Savings Account |
| Against the national average | 3.77 percentage points above the 0.38% FDIC savings average (Oct 2026) |
| CDs | |
| Top CD APY | 4.40% · 18 months · 18-Month CD |
| Minimum to open | $500 · 18 months CD |
| Money market | |
| Top money market APY | Up to 2.20% · Premier Money Market · needs at least $250,000 |
| Minimum to open | $25 · Premier Money Market |
| Against the national average | 1.57 percentage points above the 0.63% FDIC money market average (Oct 2026) |
| FDIC certificate | 19600 · Kansas City, MO |
|---|---|
| Website | www.academybank.com |
| Branches | 80 branches across 5 states |
| Availability | Available in AR, AZ, CO, KS, MO |
Academy Bank, National Association savings, CD and money market rates
Personal
How the rate applies
How the rate applies
IRA
How the rate applies
Rates are APY. The national savings average is 0.38% (FDIC, Oct 2026). The top tracked savings rate on Banksparency is 12.00%. Across 59 savings accounts from 58 banks in the Banksparency core savings index, the median advertised rate is 3.65%, and one account in ten advertises 4.20% or more. See the highest savings rates.
Academy Bank, National Association CD rates
| Term | APY | Minimum | Product |
|---|---|---|---|
| Personal CDs | |||
| 1 months | 1.00% | $500 | 30-Day CD |
| 3 months | 1.05% | $500 | 91-Day CD |
| 6 months | 1.15% | $500 | 182-Day CD |
| 9 months | 3.45% | $500 | 9-Month CD |
| 12 months | 4.20% | $500 | 12-Month CD |
| 13 months | 4.00% | $500 | 13-Month CD |
| 15 months | 4.30% | $500 | 15-Month CD |
| 18 months | 4.40% | $500 | 18-Month CD |
| 19 months | 3.51% | $500 | 19-Month CD |
| 24 months | 3.51% | $500 | 24-Month CD |
| 30 months | 3.51% | $500 | 30-Month CD |
| 36 months | 3.51% | $500 | 36-Month CD |
| 48 months | 3.51% | $500 | 48-Month CD |
| 60 months | 3.51% | $500 | 60-Month CD |
| IRA CDs | |||
| 1 months | 1.00% | $500 | 30-Day CD IRA |
| 3 months | 1.05% | $500 | 91-Day CD IRA |
| 6 months | 1.15% | $500 | 182-Day CD IRA |
| 9 months | 3.45% | $500 | 9-Month CD IRA |
| 12 months | 4.20% | $500 | 12-Month CD IRA |
| 13 months | 4.00% | $500 | 13-Month CD IRA |
| 15 months | 4.30% | $500 | 15-Month CD IRA |
| 18 months | 4.40% | $500 | 18-Month CD IRA |
| 19 months | 3.51% | $500 | 19-Month CD IRA |
| 24 months | 3.51% | $500 | 24-Month CD IRA |
| 30 months | 3.51% | $500 | 30-Month CD IRA |
| 36 months | 3.51% | $500 | 36-Month CD IRA |
| 48 months | 3.51% | $500 | 48-Month CD IRA |
| 60 months | 3.51% | $500 | 60-Month CD IRA |
Interactive Tool
Calculate Savings for Academy Bank, National Association
All calculations are based on APY.
Savings Breakdown
- Interest Earned+$1,506.40(9.7%)
- Total Contributions$13,000
- Initial Deposit$1,000
Projected Balance
$15,506.40
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
What Academy Bank, National Association pays on deposits
FDIC call report data
An advertised rate tells you what a new savings account earns today. It cannot tell you how the bank has priced the savings and money market deposits it already holds, over time. This section shows that. The figure is computed from the interest expense and deposit balances that every bank files with the FDIC in the same form. That is what makes it comparable across banks and across quarters.
The two figures answer different questions, so they sit side by side and are not combined. The 4.15% applies to balances from $25,000 to $3,000,000. Below $25,000, the account advertises 3.85%. A balance above $3,000,000 earns 0.25% on the whole amount.
In Q2 2026, Academy Bank, National Association paid a higher average rate on savings and money market deposits than 85% of banks that reported a figure (FDIC call report). The all-bank median was 1.45%.
- Academy Bank, National Association, savings and money market
- All-bank median
How to read these figures
What the average covers. It is an average across the whole bank, taken from its own quarterly FDIC call report. It covers savings accounts and money market deposit accounts, personal and business, at every balance tier. It also covers accounts that were opened years ago and keep the rate of those years. The FDIC line does not separate consumer accounts.
The second figure. The scale row also shows the average across all interest-bearing deposits: savings, interest checking, money market accounts, CDs, personal and business. That figure covers the whole deposit book. The two are shown separately and are not combined.
What the advertised rate covers. It is the rate that this bank advertises now for a new savings account. Banksparency records it from the bank's website on the date shown beside it.
Why the two differ. They measure different things, so this page shows them side by side and keeps them apart. An advertised rate applies to one account, opened now, at today's price. The average also includes older savings balances at the rates of earlier years, money market balances that were priced in a different rate environment, and business accounts. An average below an advertised rate is the usual result of that arithmetic. On its own it is not evidence about the account that you would open.
What the average is useful for. The bank files the data itself, under reporting instructions that are the same for every filer, and the same computation runs for every bank on this site. That makes it comparable in a way that an advertisement is not. Two things on this page read it: the percentile, which shows where the quarter sits among all filers, and the chart, which shows the direction the figure has moved across quarters.
What the average cannot tell you. It cannot tell you the rate that you would earn. No single customer earns the average. For your rate, read the advertised rate above and the rate tables on this page, each with the date it was observed.
What to do next. Use the advertised rate to work out what a new account earns. Use the chart to see how the quarterly average has moved against the all-bank median. Then compare the advertised rate against the current rates on the savings-rate tables before you open an account.
Definitions: Call Report · Rate Paid on Deposits · Interest-Bearing Deposits · Front Book and Back Book · Deposit Rate Percentile
Average annualized rates paid on savings and money market deposits, and on all interest-bearing deposits, quarterly. The FDIC line for savings includes money market deposit accounts and business savings deposits and does not separate consumer accounts. Source: FDIC call report data, as reported; it may be amended. The percentile compares all FDIC filers, count-weighted. A missing quarter is suppressed, never interpolated. The percentile counts the banks that paid strictly less on savings and money market deposits, one vote per bank, among the banks that reported a figure for the quarter.
So what is the catch?
| Product | APY | Min to open | Min to earn | Balance cap | Monthly fee | Requirements | Rate type | 12-mo trend |
|---|---|---|---|---|---|---|---|---|
| Personal | ||||||||
| Oloy High-Yield Savings Account | Up to 4.15% | $1,000 | $0 | $2,999,999.99 | not stated | not stated | Tiered | |
| Fine print: The stated APY applies to balances up to $3,000,000. Balances above that cap earn a much lower rate. eStatements are required on this account. | ||||||||
| Savings Account | 0.03% | $25 | $0 | None | not stated | not stated | One rate | |
| Student Savings Account | 0.03% | $25 | $0 | None | not stated | not stated | One rate | |
| Fine print: The account converts to a regular Savings Account at age 23, and a minimum balance is required from that point to avoid a monthly service charge. An owner aged 17 or younger must have a parent or guardian as a joint owner. | ||||||||
| Premier Money Market | Up to 2.20% | $25 | $0 | None | not stated | not stated | Tiered | |
| Fine print: An introductory promotional rate applies for the first six months on a new account funded with new money. The tiers published here are the standard rates. | ||||||||
| IRA | ||||||||
| Premier Money Market IRA | Up to 2.20% | $25 | $0 | None | not stated | not stated | Tiered | |
| Fine print: Debit cards, ATM cards and checks are not available on this account, and digital banking access is view only. The account is opened in a branch. | ||||||||
Rate type: one rate applies at every balance. A tiered rate changes with your balance. A promotional rate changes after the period shown. A balance cap is the largest balance the highest rate applies to.
The 12-month trend shows the highest advertised rate observed each day and includes promotional tiers where one applied.
CDs
| Product | Term | APY | Min to open | Early withdrawal fee | Compounding |
|---|---|---|---|---|---|
| Personal CDs | |||||
| 30-Day CD | 1 months | 1.00% | $500 | not stated | not stated |
| 91-Day CD | 3 months | 1.05% | $500 | not stated | not stated |
| 182-Day CD | 6 months | 1.15% | $500 | not stated | not stated |
| 9-Month CD | 9 months | 3.45% | $500 | not stated | not stated |
| 12-Month CD | 12 months | 4.20% | $500 | not stated | not stated |
| 13-Month CD | 13 months | 4.00% | $500 | not stated | not stated |
| 15-Month CD | 15 months | 4.30% | $500 | not stated | not stated |
| 18-Month CD | 18 months | 4.40% | $500 | not stated | not stated |
| 19-Month CD | 19 months | 3.51% | $500 | not stated | not stated |
| 24-Month CD | 24 months | 3.51% | $500 | not stated | not stated |
| 30-Month CD | 30 months | 3.51% | $500 | not stated | not stated |
| 36-Month CD | 36 months | 3.51% | $500 | not stated | not stated |
| 48-Month CD | 48 months | 3.51% | $500 | not stated | not stated |
| 60-Month CD | 60 months | 3.51% | $500 | not stated | not stated |
| IRA CDs | |||||
| 30-Day CD IRA | 1 months | 1.00% | $500 | not stated | not stated |
| 91-Day CD IRA | 3 months | 1.05% | $500 | not stated | not stated |
| 182-Day CD IRA | 6 months | 1.15% | $500 | not stated | not stated |
| 9-Month CD IRA | 9 months | 3.45% | $500 | not stated | not stated |
| 12-Month CD IRA | 12 months | 4.20% | $500 | not stated | not stated |
| 13-Month CD IRA | 13 months | 4.00% | $500 | not stated | not stated |
| 15-Month CD IRA | 15 months | 4.30% | $500 | not stated | not stated |
| 18-Month CD IRA | 18 months | 4.40% | $500 | not stated | not stated |
| 19-Month CD IRA | 19 months | 3.51% | $500 | not stated | not stated |
| 24-Month CD IRA | 24 months | 3.51% | $500 | not stated | not stated |
| 30-Month CD IRA | 30 months | 3.51% | $500 | not stated | not stated |
| 36-Month CD IRA | 36 months | 3.51% | $500 | not stated | not stated |
| 48-Month CD IRA | 48 months | 3.51% | $500 | not stated | not stated |
| 60-Month CD IRA | 60 months | 3.51% | $500 | not stated | not stated |
Opening and using the account
| Availability | Available in AR, AZ, CO, KS, MO |
|---|---|
| Footprint | 80 branches across 5 states |
| Eligibility | not stated |
How Academy Bank, National Association behaves over time
Every observation of the advertised Oloy High-Yield Savings Account rate in the last 12 months was 4.15% (observed through Oct 24, 2026). The series includes promotional tiers where one applied.
Recent rate changes, as observed
- Obs. Oct 2, 202618-Month CDRaise:3.10%to4.40%
- Obs. Sep 30, 202612-Month CDRaise:3.75%to4.20%
- Obs. Sep 30, 202613-Month CDCut:4.10%to4.00%
- Obs. Sep 30, 202615-Month CDRaise:4.15%to4.30%
- Obs. Sep 30, 202619-Month CDRaise:3.10%to3.51%
- 18 months CD
- Up 1.30 percentage points from 30 days ago.
$10,000 in Academy Bank, National Association's Oloy High-Yield Savings Account earns 3.85% overall at the advertised rates, so it grows to $10,385 in a year. Prices rose 3.7% in the year to September 2026 (Consumer Price Index (CPI)). After a year of prices rising at that pace, it buys as much as $10,011 does today. See how the federal funds rate shapes savings rates.
Academy Bank, National Association CD rates over time
Who is Academy Bank, National Association?
| Headquarters | Kansas City, MO |
|---|---|
| Founded | 1966 |
| Scale | $3.2B assets · $2.7B deposits, $2.2B of it interest-bearing (Q2 2026, FDIC) |
| Deposit insurance | FDIC insured · Certificate 19600 |
| Charter state | Missouri · one of 194 insured banks chartered there (Q2 2026, FDIC) |
| Size | 387th-largest by deposits of 4,238 insured banks (Q2 2026, FDIC) |
| Deposit growth | Higher than at 77% of 4,226 insured banks over the four quarters to Q2 2026 (FDIC) |
Financial detail is in What Academy Bank, National Association pays on deposits above.
Common questions about Academy Bank, National Association
Is Academy Bank, National Association FDIC insured?
Yes. Academy Bank, National Association is FDIC insured under certificate 19600, so deposits are covered up to $250,000 per depositor, per ownership category.
What is the minimum deposit at Academy Bank, National Association?
Academy Bank, National Association requires a minimum deposit of $1,000 to open its Oloy High-Yield Savings Account, as observed on Oct 24, 2026. Check the bank's current terms before you open an account.
Does the 4.15% apply to my whole balance?
The 4.15% applies to balances from $25,000 to $3,000,000. Below $25,000, the account advertises 3.85%. A balance above $3,000,000 earns 0.25% on the whole amount. Rates are as observed on Oct 24, 2026.
Does Academy Bank, National Association have branches?
Yes. Academy Bank, National Association operates 80 branches according to FDIC branch records, in addition to its website and mobile apps.
Academy Bank, National Association against its closest alternatives
| Bank | Savings APY | Rate paid on savings and money market deposits (Q2 2026) | Min deposit | Branches |
|---|---|---|---|---|
| Academy Bank, National Association | Up to4.15% | 2.54% | $1,000 | 80 branches across 5 states |
| Credit One Bank, National Association | 4.15% | 3.31% | $100,000 | 1 branch in NV |
| TIMBR | 4.15% | 3.21% | $1,000 | not stated |
| Ultima Bank Minnesota | Up to4.15% | 2.42% | $0 | 6 branches in MN |
Each savings APY is the top rate of the account the bank's own page leads with. Alternatives are the three tracked banks whose savings APY is closest to Academy Bank, National Association's.
Similar banks and related pages
Banks in the same rate band with the same product mix:
Other banks chartered in Missouri, nearest to Academy Bank, National Association in deposits:
Rate hubs: today's highest savings rates, CD rates by term, and money market rates.
State pages: savings rates in Missouri, CD rates in Missouri, money market rates in Missouri, and banks in Missouri.