APYWIN 2.1

APYWIN is a Windows-based application from the U.S. Office of the Comptroller of the Currency (OCC) designed to calculate and verify the Annual Percentage Yield (APY) and interest for deposit accounts. It helps banks, credit unions, compliance officers, and examiners test the accuracy of disclosures and advertisements required under the Truth in Savings Act (Regulation DD).

Key capabilities:

• Calculates APY and interest consistent with Regulation DD definitions
• Supports common deposit products: checking, savings, money market accounts, and time deposits
• Configures compounding and crediting frequencies (e.g., daily, monthly, quarterly)
• Models single, tiered, stepped, and variable-rate structures
• Factors in fees, minimum balance requirements, and bonuses that affect yield
• Generates on-screen worksheets and print-ready results to support exams, audits, and compliance reviews

APYWIN provides a standardized, examiner-tested approach to APY verification, helping institutions ensure that advertised and disclosed yields are accurate and compliant.

APYWIN is developed by Comptroller of the Currency. The most popular version of this product among our users is 2.1. The names of program executable files are APYWIN21.exe, APYWIN21.exe_DA68E67106BD412BA8D5370312E431CC.exe.

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