Unconfirmed Assumes qualification, daily effective compounding and unchanged rates; before fees and taxes. Actual bank crediting can differ.
Promotions and qualifying rates
No current checked promotion or additional rate qualification appears in this account record. Confirm available offers and all requirements directly with the bank.
Key conditions and complete account terms
Rates can change. Confirm the current terms with the bank before opening an account. Last verified dates show when the approved rates were captured. Estimates require verification within the last 24 hours.
Unconfirmed: Eligibility, Maximum balance, Minimum earning balance, Tiers. The bank information reviewed did not establish these terms.
Minimum opening deposit
$1,000
Minimum balance to earn interest
Unconfirmed
Eligibility
Electronic statements required. Other age, identity and residency requirements: Unconfirmed.
Key conditions
$1,000 minimum deposit required to open account.
Rates are subject to change. eStatements required. Balances over $3,000,000 earn 0.25% APY.
Interest is calculated daily and paid monthly.
Withdrawal limits: Unconfirmed. The account page says there are no withdrawal limits; the savings FAQ says withdrawal or deposit limits apply without stating amounts. Confirm the conflicting disclosures with the bank.
The full balance-tier schedule and exact boundary for the upper balance band remain Unconfirmed; the advertised APY is not a promise for every balance.
Oloy describes a $1,000 opening deposit, electronic statements and lower rate treatment above $3 million. The complete tier structure matters before moving a very large reserve. Account capacity, earning limits and deposit insurance are different questions; acceptance of a deposit does not establish that its entire balance will be insured.
By High Yield
Published
An upper-balance rule deserves attention
Oloy describes a $1,000 opening deposit, electronic statements and lower rate treatment above $3 million. The complete tier structure matters before moving a very large reserve. Account capacity, earning limits and deposit insurance are different questions; acceptance of a deposit does not establish that its entire balance will be insured.
Baseline assessment and current terms
Evaluate this account at the balance you intend to keep and the withdrawal frequency you need. The current rates-and-terms reference distinguishes checked information from unresolved conditions. A larger advertised APY is not sufficient if qualification, fees or access make the account a poor fit.
This source-based baseline has not included a hands-on account test or established a representative customer-service rating. Publication of the review does not approve missing financial data. Rates are variable; follow the dated reference and official disclosures before opening.
Recorded rates describe what our sources showed, rather than a prediction. Reviewed reader experiences will be added when supported public evidence is available.
Observed rates
Last 90 days · Aug 16, 2026–Nov 14, 2026 · at $10,000.
No usable checked rate history at this balance in the last 90 days.
These are historical observations. The current review status, official sources and latest terms appear in the account reference. Promotions and qualifying APYs are excluded from this ongoing-rate history.
Academy Bank, National Association is the legal institution behind this account (FDIC certificate 19600). Different brands or branches at the same institution do not create separate insurance limits. Coverage depends on ownership category and the insurer’s rules.
No other active accounts at this institution are currently listed in our curated catalog. This is not a complete inventory of its brands.
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