Citizens Access™: Savings Accounts & Rates

Savings rates updated: 8/29/2025

Mission statement: Banksparency aims to make Citizens Access™'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

We earn a commission if you open an account through some links on this page.

Savings Overview

Citizens Access® Savings: 3.50% APY(Rank 73 out of 81 tracked HYSAs)

Minimum Deposit: $0.01 | Online Only

National Savings Interest Rate: 0.39% (as of 8/26/2025)

Note: The FDIC tracks savings and CD rates nationally, but it does not report APY, only the average interest rate.

(Source: FDIC)

Bank Overview

Deposit Insurance: FDIC Cert # 57957

BBB Rating: A

App Store Rating: 4.8/5

Google Play Rating: 4.8/5

Website: Visit Citizens Access™

Our Take on Citizens Access™

Highlights

Current APY of 3.50%, consistent with 30 days ago.
No minimum deposit or balance requirements.
No maintenance fees charged.
High App Store and Google Play ratings of 4.8.

Considerations

Online-only bank may lack in-person support.
No direct deposit requirement could limit certain features.

Summary: Citizens Access™ offers a competitive APY of 3.50% with no minimum deposit or balance requirements, making it accessible for savers. The bank has a strong reputation, reflected in its A BBB rating and high user ratings on both app stores. However, being an online-only institution may deter those who prefer in-person banking services. Overall, it is a solid choice for those seeking a straightforward high-yield savings account.

Savings Account: In-Depth View

Savings Account Offered by Citizens Access™

Feature	Citizens Access® Savings
APY	3.50% (as of 8/29/2025)
APY Trend	-0.20% QoQ
Minimum Deposit	$0.01
Minimum Balance for APY	$0.01
FDIC-insured	Yes
Online Only	Yes
Bundled Account	No
Direct Deposit Required	No
Compound Frequency	Daily
Maintenance Fee	$0
Eligibility	United States
Sponsored Link
No deposit agreement summary available for this bank.

Calculate Savings for Citizens Access™

All calculations are based on APY.

Savings Product:

Citizens Access® Savings (APY: 3.50%)

Initial Deposit:

Recurring Deposit Amount:

Deposit Frequency:

Duration:

Total savings breakdown:

Interest earned: $1,363.3 (8.87%)
Total contributions: $13,000 (84.62%)
Initial deposit: $1,000 (6.51%)

Your total balance

$15,363.30

Effective APY: 3.50% (based on your deposit and contributions)

The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.

Citizens Access™ Savings Rates Over Time

Historical APY Insights

Metric	Citizens Access® Savings
Latest APY	3.50 %
Trend	Sideways
Slope (bps/mo)	-2.2
Rate Changes / Mo	0.14
Days Since Last Change	32
High (-7 m)	3.70 %
Low (-7 m)	3.50 %
Draw-down from High	-5.4 %
Volatility (CV)	0.020

APY Insights Glossary

Latest APY: Most recent advertised annual-percentage yield.
Trend: Direction over the last 7 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 (-7 m): Highest APY in the last 215 days.
Low (-7 m): Lowest APY in the last 215 days.
Draw-down from High: How far today sits below the 7-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 Citizens Access™'s Savings Account

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Citibank - 3.50% APY
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Presidential Bank - 4.00-4.50% APY
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ROGER - 4.12% APY
Salem Five Direct - 4.01% APY
Sallie Mae Bank - 3.90% APY
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SoFi Bank - 3.80% APY
Synchrony Bank - 3.80% APY
TAB Bank - 4.15% APY
TD Bank - 0.05-3.00% APY
The State Exchange Bank - 3.05% APY
TIMBR - 4.40% APY
UFB Direct - 4.01-4.21% APY
Upgrade - 4.02% APY
Valley Direct - 4.30% APY
Varo Bank - 2.50-5.00% APY
Wells Fargo - 0.05-2.51% APY
Western Alliance Bank - 4.30% APY
Zynlo Bank - 4.35% APY

Feature	Citizens Access™	Select a bank...
Product	Citizens Access® Savings	N/A
APY	3.50% (as of 8/29/2025)	N/A
Bundled Account	No	N/A
FDIC-insured	Yes	N/A
Online Only	Yes	N/A
Compound Frequency	Daily	N/A
Minimum Deposit	$0.01	N/A
Minimum Balance for APY	$0.01	N/A
Maintenance Fee	$0	N/A
Direct Deposit Required	No	N/A

Alternatives to Citizens Access™

Banks with Higher/Similar Savings APY

For a top list of the highest savings rates, see all HYSA top rates

MySavings Account: 3.75% APY

Minimum Deposit: $0

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Western Alliance Bank

High-Yield Savings Premier: 4.30% APY

Minimum Deposit: $500

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