All America Bank: Savings Accounts & Rates

By Aviel Fahl

Updated: 1/7/2026

Mission: Banksparency aims to make All America Bank's savings accounts transparent and comparable to the market.

Interest rates reported as APY

Savings Overview

Super Savers MMDA

3.25% APY

Tiered Range: 1.50% - 3.25%

Very StableNo rate changes in last 90 days

Min: $2,500 Branch Access

Rank #74 of 102 tracked.

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.

Regular Savings

1.25% APY

Very StableNo rate changes in last 90 days

Min: $50 Branch Access

Rank #90 of 102 tracked.

Market Reality Check

This bank offers rates below the current top tier. The best rates we track are currently above 4.21% APY.

See Top Rates

National Avg: 0.39% (FDIC, 12/15/2025).
Banksparency tracks live rates daily.

Bank Overview

HQ LocationOklahoma City, Oklahoma
Founded1969
Ratings & Trust
3.7iOS 3.3Android A+BBB Not BBB Accredited
Zelle® SupportNo Support
Standard ACH or Wire transfers only.
Deposit InsuranceFDIC Insured(Cert: 20093)

Visit Official Website

Featured Offers

Axos ONE - High Yield Savings & Checking

Over 95,000 fee-free ATMs
Get paid up to 2 days early with Direct Deposit
One convenient app for spending & saving

FDIC Insured

Savings4.31%APY

Checking0.51%APY

Go to Axos Bank

Member, FDIC

View Details

Monthly Maintenance Fee	None
Min. Deposit to Savings Account	$0
Min. Balance in Savings Account	$0
How to qualify for APY	OPTION ADirect Deposit $1,500+ AND Maintain $1,500+ avg daily checking balance. OR OPTION BDeposit $5,000+ total/mo AND Maintain $5,000+ avg daily checking balance.
Mobile Ratings	iOS:4.7 Android:4.5

The 4.31% APY is available with the Axos ONE savings and checking bundle. The checking account earns 0.51% APY. To qualify, you must either set up a direct deposit of $1,500 and maintain an average daily balance of more than $1,500 in your ONE Checking account, or receive at least $5,000 in total monthly qualifying deposits and maintain an average daily balance of more than $5,000.

PREMIUM ACCOUNT, GENEROUS BONUS

SponsoredVerified Jan 7, 2026

FDIC Insured

CIT Bank - Platinum Savings

Competitive APY - with a balance of $5,000+
Earn up to $300 bonus with qualifying deposit
Highly rated mobile apps

FDIC Insured

Savings3.75%APY

Up to$300Bonus

Go to CIT Bank

Member, FDIC

View Details

Monthly Maintenance Fee	None
Min. Deposit to Savings Account	$100
Min. Balance in Savings Account	$5,000
Mobile Ratings	iOS:4.8 Android:4.4

This is a tiered savings account, where the 3.75% APY requires meeting the $5,000 balance requirement. Lower balances earn an APY of 0.25%.

EASY TRANSFERS, LOW MINIMUMS

SponsoredVerified Jan 7, 2026

FDIC Insured

Quontic High Yield Savings

Apply in 3 minutes or less
No monthly service fees
Transfer with Zelle, Apple Pay, G-Pay, and more

FDIC Insured

Savings3.50%APY

Go to Quontic Bank

Member, FDIC

View Details

Monthly Maintenance Fee	None
Min. Deposit to Savings Account	$100
Min. Balance in Savings Account	$0
Mobile Ratings	iOS:4.8 Android:4.9

FLEXIBILITY & Customer Service

SponsoredVerified Jan 7, 2026

UFB Direct

FDIC Insured

UFB Portfolio Savings

No maintenance fee or minimum balance to open
Boost your savings rate by 0.20% APY with Freedom Checking
Earn 2.00% APY on checking balances

FDIC Insured

Savings3.26%APY

Go to UFB Direct

Member, FDIC

View Details

Monthly Maintenance Fee	None
Min. Deposit to Savings Account	$0
Min. Balance in Savings Account	$0
Mobile Ratings	iOS:4.8 Android:4.3

Our Take on All America Bank

The Good

Decent APY of 3.25%
Access to physical branches

Considerations

Monthly maintenance fee of $5500
High minimum balance ($100000) to earn APY
Yield is below current market leaders
Low-rated Android app (3.3 stars)

Verdict

All America Bank offers the Super Savers MMDA with a competitive APY of 3.25%. However, it's important to note that this account features a tiered system where the APY varies based on the average daily balance, ranging from 1.50% for balances below $2,500 to 3.25% for balances over $100,000. There are no direct deposit requirements, and a checking account is not necessary to open this account. Be aware of a monthly maintenance fee of $5,500 and that the yield is below current market leaders.

Savings Accounts: In-Depth View

Savings Accounts Offered by All America Bank

Feature	Regular Savings	Super Savers MMDA
APY	1.25%Verified: 1/7/2026	3.25%Range: 1.50% - 3.25%Verified: 1/7/2026
APY Trend	Very StableNo rate changes in last 90 days	Very StableNo rate changes in last 90 days
Min. Deposit	$50	$2,500
Min. Balance	$25	$100,000
Monthly Fee	$5, if average daily balance for the month drops below $25	$5, if average daily balance for the month drops below $500
Direct Deposit	None	None
Checking Bundle	No	No
Branch Access	Yes	Yes
Compounding	Monthly	Monthly
FDIC Insured	Yes	Yes
Eligibility	United States	United States
Important	-	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.
Next Steps	-	-

Calculate Savings for All America Bank

All calculations are based on APY.

Choose savings account

Initial Deposit

⚠️

Minimum balance for higher APY: $100,000

Recurring Deposit

Frequency

Duration

Savings Breakdown

Interest Earned
+$685.50(4.2%)
Total Contributions
$13,000
Initial Deposit
$2,500

Projected Balance

$16,185.50

Effective APY

1.50%

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

Last 11 Months

Metric	Super Savers MMDA	Regular Savings
Latest APY	3.25%	1.25%
Trend	Sideways	Sideways
Slope (bps/mo)	-2.6	-2.7
Rate Changes / Mo	0.09	0.09
Days Since Last Change	230	230
High (-11m)	3.49%	1.50%
Low (-11m)	3.25%	1.25%
Draw-down	-6.9%	-16.7%
Volatility (CV)	0.033	0.087

How to read these metrics▼

Trends & Velocity

Trend: The general direction of the rate over the analyzed period. Useful for spotting if a bank is currently aggressive or pulling back.
Slope (bps/mo): Speed of change. A high positive number means they raise rates quickly. 10 bps = 0.10%.
Rate Changes / Mo: "Twitchiness." High frequency means the rate changes constantly; low frequency means it's stable.

Risk & Range

High/Low: The absolute ceiling and floor of the rate during the 343-day window.
Volatility Score: Lower is better for predictability. It indicates how wildly the rate swings relative to its average.
Days Since Change: If this number is high (e.g., >90), the rate is very sticky. If low, it changed recently.

Why track this? Understanding volatility helps you avoid "bait-and-switch" rates. A steady, rising slope is ideal; high volatility often signals a temporary teaser rate.

Compare with All America Bank

Feature	Current View All America Bank	Empty Slot
Product		-
APY	1.50% - 3.25%Verified: 1/7/2026	-
APY Trend	Very StableNo rate changes in last 90 days	-
Min. Deposit	$2,500	-
Monthly Fee	$5, if average daily balance for the month drops below $500	-
Direct Deposit	No	-
Checking Bundle	No	-
Branch Access	Yes	-
Eligibility	United States	-
Compounding	Monthly	-
FDIC Insured	Yes	-
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.	-
Next Steps	-	-