All America Bank: Savings Accounts & Rates

Savings rates updated: 10/3/2025

Mission statement: Banksparency aims to make All America Bank's savings accounts transparent and comparable to those of other banks. Learn more about Banksparency.

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

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Savings Overview

Super Savers MMDA: 1.50% - 3.25% APY(Rank 77 out of 83 tracked HYSAs)

Minimum Deposit: $2,500

Regular Savings: 1.25% APY(Rank 85 out of 97 savings accounts)

Minimum Deposit: $50

National Savings Interest Rate: 0.4% (as of 9/15/2025)

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

Deposit Insurance: FDIC Cert # 20093

BBB Rating: A+

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 competitive 3.25% APY for high balances.
A+ BBB rating indicates strong trustworthiness.
Seven convenient branch locations in Oklahoma.
No direct deposit requirement for savings accounts.

Considerations

Regular Savings has a lower APY of 1.25%.
Maintenance fees apply if balance drops below $25 or $500.
App Store rating is only 3.7.
Google Play rating is lower at 3.3.

Summary: All America Bank provides two savings account options, with the Super Savers MMDA offering a high APY of 3.25% for substantial balances. The bank has an A+ BBB rating, reflecting its reliability. However, maintenance fees can apply, and the Regular Savings account has a lower APY of 1.25%. With seven branches in Oklahoma, it offers accessibility, but the app ratings may indicate room for improvement.

Savings Accounts: In-Depth View

Savings Accounts Offered by All America Bank

Feature	Regular Savings	Super Savers MMDA
APY	1.25% (as of 10/3/2025)	1.50% - 3.25% (as of 10/3/2025)
APY Trend	Stable for the last quarter	Stable for the last quarter
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.
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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: $685.5 (4.24%)
Total contributions: $13,000 (80.32%)
Initial deposit: $2,500 (15.45%)

Your total balance

$16,185.50

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	Sideways	Sideways
Slope (bps/mo)	-4.3	-4.5
Rate Changes / Mo	0.12	0.12
Days Since Last Change	134	134
High (-8 m)	3.49 %	1.50 %
Low (-8 m)	3.25 %	1.25 %
Draw-down from High	-6.9 %	-16.7 %
Volatility (CV)	0.036	0.091

APY Insights Glossary

Latest APY: Most recent advertised annual-percentage yield.
Trend: Direction over the last 8 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 (-8 m): Highest APY in the last 247 days.
Low (-8 m): Lowest APY in the last 247 days.
Draw-down from High: How far today sits below the 8-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

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Amalgamated Bank - 2.25% APY
American Express - 3.50% APY
Ameriprise Bank - 3.15-3.15% APY
Axos Bank - 4.51% APY
Bank5 Connect - 4.05% APY
Bank of America - 0.01% APY
Barclays - 3.90-4.10% APY
Bask Bank - 4.05% APY
Betterment - 3.75% APY
BMO Alto - 3.25% APY
Bread Savings - 4.25% APY
BrioDirect - 4.30% APY
Capital One - 3.40% 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 - 3.92% APY
CIT Bank - 0.25-3.85% APY
Citibank - 3.40% APY
Citizens Access™ - 3.50% APY
Colorado Federal Savings Bank - 4.15% APY
ConnectOne Bank - 3.85% APY
Customers Bank - 3.98% APY
Discover Bank - 3.40% APY
Elevault - 4.34% APY
E*TRADE from Morgan Stanley - 3.75% APY
EverBank - 4.05% APY
Evergreen Bank Group - 4.25% APY
First Foundation Bank - 4.10% APY
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Flagstar Bank - 4.00% APY
FNBO Direct - 3.00% APY
Forbright Bank - 4.25% APY
FVCbank - 4.10% APY
GO2bank - 4.50% APY
High Plains Bank - 0.23-3.82% APY
Jenius Bank - 4.20% APY
LendingClub - 3.20-4.20% APY
Live Oak Bank - 4.00% APY
Marcus by Goldman Sachs - 3.65% APY
MutualOne Bank - 4.07% 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 - 4.20% APY
Peak Bank - 4.20% APY
Pibank - 4.60% APY
PNC - 3.85% APY
Poppy Bank - 4.25% APY
Popular Direct - 4.10% APY
Presidential Bank - 4.00-4.50% APY
Prime Alliance Bank - 3.90% APY
Primis Bank - 3.85% APY
Quontic Bank - 3.75% APY
RBMAX - 3.90% APY
Rising Bank - 4.10% APY
ROGER - 3.87% APY
Salem Five Direct - 4.01% APY
Sallie Mae Bank - 3.90% APY
Santander Bank - 0.01% APY
SmartyPig - 3.90% APY
SoFi Bank - 4.50% APY
Synchrony Bank - 3.80% APY
TAB Bank - 3.80% APY
TD Bank - 0.05-2.75% APY
The State Exchange Bank - 4.11% APY
TIMBR - 4.40% APY
UFB Direct - 3.76-3.96% APY
Upgrade - 3.42% APY
Valley Direct - 4.10% APY
Varo Bank - 2.50-5.00% APY
Wells Fargo - 0.05-2.51% APY
Western Alliance Bank - 4.10% APY
Zynlo Bank - 4.35% APY

Feature	All America Bank	Select a bank...
Product		N/A
APY	1.50% - 3.25% (as of 10/3/2025)	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