Publications:
Annual Percentage Yield Calculation Program (APY)

OCC Bulletin 2004-21, dated May 12, 2004, was issued to inform you that APY v2.0 was available on our website. Due to technical difficulties identified with APY v2.0, we are advising bank personnel to discontinue using it. We have removed APY v2.0 from the OCC website and have replaced it with the previous version, APY v1.0. As soon as the technical difficulties are resolved, we will repost APY v2.0.

The DOS-based version of the Annual Percentage Yield program (APY v. 1.0) is an efficient tool for verifying annual percentage yields pursuant to the Truth in Savings Act (12 U.S.C. 4301 et seq.) and its implementing regulation (Regulation DD, 12 CFR 230). 

The APY program is available for purchase for $20 or free by download.

We would appreciate your feedback on this program. Please send questions and comments to:

Office of the Comptroller of the Currency
Community and Consumer Policy Department
Mail Stop 6-7
Washington, D.C. 20219

Download the program

To download for just your machine or for distribution over your network - use the single-file version. (Note:  The file size is approximately 260 kilobytes.)

1. Download one compressed file (APYINSTALL.EXE) to a temporary folder on your hard drive.
2. Execute APYINSTALL.EXE to extract the files to the folder on your hard drive from which you will be running the APY program.
   1. WinZip Self-Extractor program will inform you that it will unzip the file to a particular folder on your hard drive. Click the BROWSE button if you want to select a different folder to unzip the files to.
   2. Click the UNZIP button.
   3. After the files are unzipped, click the CLOSE button.
3. To run the program, execute APY.EXE from the folder that you unzipped the APY program files to.

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[APR-APY Assistance ]