All America Bank

Last Updated: 7/3/2025

Note: Interest rates below are reported as APY, or Annual Percentage Yield

Quick Views

Super Savers MMDA: 1.50% - 3.25% APY(Rank 73 out of 76 tracked HYSAs)

Minimum Deposit: $2,500

Regular Savings: 1.25% APY(Rank 78 out of 88 savings accounts)

Minimum Deposit: $50

National Savings Interest Rate: 0.38% (as of 6/16/2025)

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

Super Savers MMDA offers a high APY of 3.25%
No direct deposit requirement for Super Savers MMDA account
Multiple branches across Oklahoma City and surrounding areas
Low minimum deposit of $50 for Regular Savings account

Considerations

BBB rating is Not Rated, indicating potential trust issues
Maintenance fees apply if balance falls below $500 for Super Savers MMDA
App Store rating is 3.7, Google Play rating is 3.3
Only one high-yield account option compared to competitors

Summary: All America Bank offers a competitive high APY of 3.25% on its Super Savers MMDA account, appealing to savers. However, the bank lacks a BBB rating, which may raise concerns for some customers. The bank has a presence with seven branches in Oklahoma, but maintenance fees can apply if account balances drop. Additionally, the bank's app ratings are modest, which may affect user experience.

Savings Accounts

Savings Accounts Offered by All America Bank

Feature	Super Savers MMDA	Regular Savings
APY	1.50% - 3.25% (as of 7/3/2025)	1.25% (as of 7/3/2025)
APY Trend	Stable for the last month	Stable for the last month
Minimum Deposit	$2,500	$50
Minimum Balance for APY	$100,000	$25
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 $500	$5, if average daily balance for the month drops below $25
Eligibility	United States	United States
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
No deposit agreement summary available for this bank.

Calculate Savings for All America Bank

All calculations are based on APY.

Choose savings account:

Initial Deposit:

⚠️ The minimum balance for the higher APY on this account is $100,000.

Recurring Deposit Amount:

Deposit Frequency:

Duration:

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)	-5.5	-5.8
Rate Changes / Mo	0.19	0.19
Days Since Last Change	44	44
High (-5 m)	3.49 %	1.50 %
Low (-5 m)	3.25 %	1.25 %
Draw-down from High	-6.9 %	-16.7 %
Volatility (CV)	0.031	0.078

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 157 days.
Low (-5 m): Lowest APY in the last 157 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.

Compare All America Bank's Savings Accounts

Affirm - 3.85% APY
Ally Bank - 3.50% APY
Amalgamated Bank - 2.25% APY
American Express - 3.60% APY
Axos Bank - 4.66% APY
Bank5 Connect - 4.05% APY
Bank of America - 0.01% APY
Barclays - 3.90-4.10% APY
Bask Bank - 4.20% APY
Betterment - 4.00% APY
BMO Alto - 3.60% APY
Bread Savings - 4.30% APY
BrioDirect - 4.30% APY
Capital One - 3.50% APY
Carver Bank - 4.00% APY
Charles Schwab Bank - 0.15% APY
Chase Bank - 0.01% APY
Chime - 1.25-3.75% APY
CIBC Bank USA - 4.11% APY
CIT Bank - 0.25-4.00% APY
Citibank - 3.60% APY
Citizens Access™ - 3.70% APY
Colorado Federal Savings Bank - 4.25% APY
ConnectOne Bank - 4.00% APY
Customers Bank - 4.23% APY
Discover Bank - 3.50% APY
E*TRADE from Morgan Stanley - 4.00% APY
EverBank - 4.30% APY
Evergreen Bank Group - 4.25% APY
First Foundation Bank - 4.25% APY
Fitness Bank - 5.00% APY
Flagstar Bank - 4.00% APY
Forbright Bank - 4.25% APY
FVCbank - 4.35% APY
High Plains Bank - 0.23-3.82% APY
Jenius Bank - 4.20% APY
LendingClub - 3.40-4.40% APY
Live Oak Bank - 4.10% APY
Marcus by Goldman Sachs - 3.65% APY
My Banking Direct - 4.30% APY
MySavingsDirect - 3.75% APY
Neighbors Bank - 4.60% APY
Newtek Bank - 4.35% APY
OMB Bank - 1.00% APY
Openbank - 4.30% APY
Peak Bank - 4.44% APY
Pibank - 4.60% APY
PNC - 3.95% APY
Poppy Bank - 4.25% APY
Popular Direct - 4.05% APY
Presidential Bank - 4.00-4.50% APY
Prime Alliance Bank - 4.05% APY
Primis Bank - 4.35% APY
Quontic Bank - 3.75% APY
RBMAX - 4.15% APY
Rising Bank - 4.30% APY
ROGER - 4.12% APY
Salem Five Direct - 4.01% APY
Sallie Mae Bank - 3.90% APY
Santander Bank - 0.03% APY
SoFi Bank - 3.80% APY
Synchrony Bank - 3.80% APY
TAB Bank - 4.15% APY
TD Bank - 0.05-3.00% APY
The State Exchange Bank - 1.90% APY
TIMBR - 4.40% APY
UFB Direct - 4.01-4.21% APY
Upgrade - 4.02% APY
Valley Direct - 4.30% APY
Varo Bank - 2.50-5.00% APY
Western Alliance Bank - 4.25% APY
Zynlo Bank - 4.35% APY

Feature	All America Bank	Select a bank...
Product		N/A
APY	1.50% - 3.25% (as of 7/3/2025)	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