All America Bank
Last Updated: 6/20/2025
Note: Interest rates below are reported as APY, or Annual Percentage YieldQuick Views
Super Savers MMDA: 1.50% - 3.25% APY(Rank 72 out of 74 tracked HYSAs)
Minimum Deposit: $2,500
Regular Savings: 1.25% APY(Rank 77 out of 87 savings accounts)
Minimum Deposit: $50
National Savings Interest Rate: 0.42% (as of 5/19/2025)
Note: The FDIC tracks savings and CD rates nationally, but it does not report APY, only the average interest rate.
(Source: FDIC)Bank Overview
Location: Oklahoma City, Oklahoma
Founded: 1969
Access to Branches: Seven locations in Oklahoma City, Mustang, Snyder, Cache, Medicine Park, Elgin and Sentinel, OK, and a Loan Production Office in Lawton, OK
BBB Rating: Not Rated
App Store Rating: 3.7/5
Google Play Rating: 3.3/5
Website: Visit All America Bank
Our Take on All America Bank
Highlights
- Offers a high APY of 3.25% for Super Savers MMDA.
- Multiple branch locations across Oklahoma for customer convenience.
- No direct deposit requirement for savings accounts.
- Minimum deposit for Regular Savings is only $50.
Considerations
- BBB rating is Not Rated, indicating trustworthiness concerns.
- Super Savers MMDA requires a minimum balance of $100,000 for top APY.
- Current APY decreased from 3.49% to 3.25% in the last 30 days.
- App Store rating is 3.7 and Google Play rating is 3.3, indicating mixed reviews.
Summary: All America Bank provides competitive savings options, notably a 3.25% APY for its Super Savers MMDA account, although it requires a significant balance. The Regular Savings account has a low minimum deposit of $50. However, the bank's BBB rating is Not Rated, which may raise concerns for potential customers. Additionally, both the app ratings are relatively low, suggesting some customer dissatisfaction.
Savings Accounts
Savings Accounts Offered by All America Bank
| Feature | Regular Savings | Super Savers MMDA |
|---|---|---|
| APY | 1.25% (as of 6/20/2025) | 1.50% - 3.25% (as of 6/20/2025) |
| APY Trend | -0.25% MoM | -0.24% MoM |
| Minimum Deposit | $50 | $2,500 |
| Minimum Balance for APY | $25 | $100,000 |
| FDIC-insured | Yes | Yes |
| Online Only | No | No |
| Bundled Account | No | No |
| Direct Deposit Required | No | No |
| Compound Frequency | Monthly | Monthly |
| Maintenance Fee | $5, if average daily balance for the month drops below $25 | $5, if average daily balance for the month drops below $500 |
| Eligibility | United States | United States |
| Note | N/A | There is a tiered system, where the APY depends on the average daily balance, from below $2,500 to over $100,000. The lowest rate is 1.50% APY, while the top rate is 3.25% APY. See bank for more details. |
No deposit agreement summary available for this bank. | ||
Calculate Savings for All America Bank
All calculations are based on APY.
⚠️ The minimum balance for the higher APY on this account is $100,000.
Deposit Frequency:
Total savings breakdown:
- Interest earned: $37 (1.46%)
- Total contributions: $0 (0.00%)
- Initial deposit: $2,500 (98.54%)
Your total balance
$2,537.00
Effective APY: 1.50% (based on your deposit and contributions)
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
All America Bank Savings Rates Over Time
Historical APY Insights
| Metric | Super Savers MMDA | Regular Savings |
|---|---|---|
| Latest APY | 3.25 % | 1.25 % |
| Trend | Falling | Falling |
| Slope (bps/mo) | -5.1 | -5.3 |
| Rate Changes / Mo | 0.21 | 0.21 |
| Days Since Last Change | 30 | 30 |
| High (-5 m) | 3.49 % | 1.50 % |
| Low (-5 m) | 3.25 % | 1.25 % |
| Draw-down from High | -6.9 % | -16.7 % |
| Volatility (CV) | 0.029 | 0.071 |
APY Insights Glossary
- Latest APY
- Most recent advertised annual-percentage yield.
- Trend
- Direction over the last 5 months (regression slope).
- Slope (bps/mo)
- Average monthly change; 10 bps = 0.10 pp.
- Rate Changes / Mo
- Typical number of APY moves per month.
- Days Since Last Change
- Recency of the latest APY adjustment.
- High (-5 m)
- Highest APY in the last 143 days.
- Low (-5 m)
- Lowest APY in the last 143 days.
- Draw-down from High
- How far today sits below the 5-month peak.
- Volatility (CV)
- Coefficient of variation = stdev ÷ mean.
Why Track Savings-Account APYs?
- See how quickly a bank reacts to Fed moves or competition.
- Gauge “twitchiness” - frequent moves can annoy savers.
- Spot if you're buying near a peak (draw-down) or riding a rise.
- Slope (bps/mo) shows speed of change.
- Volatility (CV) scales jumps by average level.
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| Feature | All America Bank | Select a bank... |
|---|---|---|
| Product | N/A | |
| APY | 1.50% - 3.25% (as of 6/20/2025) | N/A |
| Bundled Account | No | N/A |
| FDIC-insured | Yes | N/A |
| Online Only | No | N/A |
| Compound Frequency | Monthly | N/A |
| Minimum Deposit | $2,500 | N/A |
| Minimum Balance for APY | $100,000 | N/A |
| Maintenance Fee | $5, if average daily balance for the month drops below $500 | N/A |
| Direct Deposit Required | No | N/A |
| Note | There is a tiered system, where the APY depends on the average daily balance, from below $2,500 to over $100,000. The lowest rate is 1.50% APY, while the top rate is 3.25% APY. See bank for more details. | N/A |