Citizens Access™: Savings Account & Rates
Mission: Banksparency aims to make Citizens Access™'s savings account transparent and comparable to the market.
Savings Overview
Citizens Access® Savings
| Min. Deposit | $0.01 |
| Min. Balance | $0.01 |
| Maintenance Fee | $0 |
Market Reality Check
This bank offers rates below the current top tier. The best rates we track are currently above 4.20% APY.
Bank Overview
- Ratings & Trust
- Zelle® SupportNo SupportStandard ACH or Wire transfers only.
- Deposit InsuranceFDIC Insured(Cert: 57957)
Our Take on Citizens Access™
The Good
- Decent APY of 3.15%
- Low opening deposit ($0.01)
- No monthly maintenance fees
- Top-tier mobile apps (iOS: 4.8, Android: 4.9)
Considerations
- No physical branch access (online only)
- Yield is below current market leaders
Citizens Access™ offers a competitive savings account with an APY of 3.15%. This account has a low opening deposit requirement of just $0.01 and imposes no monthly maintenance fees. Additionally, it features top-tier mobile apps with ratings of 4.8 for iOS and 4.9 for Android. However, it is important to note that there are no physical branch locations, as this is an online-only bank, and the yield is below that of current market leaders. There are no promotional rates, tiered structures, or checking account requirements associated with this savings product.
Top Market Contenders
Savings Account: In-Depth View
Savings Account Offered by Citizens Access™
| Feature | Citizens Access® Savings |
|---|---|
APY | 3.15%Verified: 1/20/2026 |
APY Trend | Rate Adjusted -0.35% Since 90 days ago |
Min. Deposit | $0.01 |
Min. Balance | $0.01 |
Monthly Fee | $0 |
Direct Deposit | None |
Checking Bundle | No |
Branch Access | None |
Compounding | Daily |
FDIC Insured | Yes |
Eligibility | United States |
| Next Steps | - |
Calculate Savings for Citizens Access™
Savings Breakdown
- Interest Earned+$1,221.50(8.0%)
- Total Contributions$13,000
- Initial Deposit$1,000
Projected Balance
$15,221.50
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
Last 12 Months| Metric | Citizens Access® Savings |
|---|---|
Latest APY | 3.15% |
Trend | Sideways |
Slope (bps/mo) | -5.0 |
Rate Changes / Mo | 0.25 |
Days Since Last Change | 42 |
High (-12m) | 3.70% |
Low (-12m) | 3.15% |
Draw-down | -14.9% |
Volatility (CV) | 0.055 |
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 358-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 Citizens Access™
| Feature | Current View Citizens Access™ | Empty Slot |
|---|---|---|
| Product | Citizens Access® Savings | - |
APY | 3.15%Verified: 1/20/2026 | - |
APY Trend | Rate Adjusted -0.35% Since 90 days ago | - |
| Min. Deposit | $0.01 | - |
| Monthly Fee | $0 | - |
Direct Deposit | No | - |
Checking Bundle | No | - |
| Branch Access | None | - |
| Eligibility | United States | - |
Compounding | Daily | - |
FDIC Insured | Yes | - |
| Next Steps | - | - |
Bank-to-Bank Comparisons
Compare Citizens Access™'s APY of 3.15% with other banks
| Bank Pair | Competitor APY | Min Deposit |
|---|---|---|
| Citizens Access™ vs Ally Bank | 3.30% | $0 |
| Citizens Access™ vs American Express | 3.30% | $0 |
| Citizens Access™ vs Axos Bank | 4.31% | $0 |
| Citizens Access™ vs Bank of America | 0.01% | $100 |
| Citizens Access™ vs Barclays | 4.00% | $0 |
| Citizens Access™ vs Capital One | 3.30% | $0 |
| Citizens Access™ vs Chase Bank | 0.01% | $0 |
| Citizens Access™ vs Chime | 3.50% | $0 |
| Citizens Access™ vs CIT Bank | 3.75% | $100 |
| Citizens Access™ vs Citibank | 3.30% | $0 |
| Citizens Access™ vs Discover Bank | 3.30% | $0 |
| Citizens Access™ vs EverBank | 3.90% | $0 |
| Citizens Access™ vs Marcus by Goldman Sachs | 3.65% | $0 |
| Citizens Access™ vs Newtek Bank | 4.35% | $0.01 |
| Citizens Access™ vs Openbank | 4.20% | $500 |
| Citizens Access™ vs Pibank | 4.60% | $0 |
| Citizens Access™ vs SoFi Bank | 4.00% | $0 |
| Citizens Access™ vs Synchrony Bank | 3.65% | $0 |
| Citizens Access™ vs Varo Bank | 5.00% | $0 |
| Citizens Access™ vs Wealthfront | 3.90% | $0 |
| Citizens Access™ vs Wells Fargo | 0.05% | $25 |
Alternatives to Citizens Access™
Banks with Higher/Similar Savings APY
For a top list of the highest savings rates, see all HYSA top rates
All America Bank
Regular Savings: 1.25% APY
Minimum Deposit: $50
Super Savers MMDA: 2.75% APY
Minimum Deposit: $2,500
TD Bank
TD Signature Savings: 2.36% APY
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Minimum Deposit: $0
FNBO Direct
High-Yield Online Savings Account: 3.00% APY
Minimum Deposit: $1
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Colorado Federal Savings Bank
High Yield Savings: 4.00% APY
Minimum Deposit: $1
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Premier Savings: 4.05% APY
Minimum Deposit: $50,000
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Rising Bank
High-Yield Savings Account: 3.75% APY
Minimum Deposit: $1,000
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Betterment
Cash Reserve: 3.25% APY
Minimum Deposit: $10
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Popular Direct
Popular Direct Select Savings: 3.90% APY
Minimum Deposit: $100
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ConnectOne Bank
Connection Plus Savings: 3.05% APY
Minimum Deposit: $2,500
Barclays
Tiered Savings: 4.00% APY
Minimum Deposit: $0
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Online Savings: 3.60% APY
Minimum Deposit: $0
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Affirm
Affirm Money Account: 3.20% APY
Minimum Deposit: $0
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Newtek Bank
Personal High Yield Savings: 4.35% APY
Minimum Deposit: $0.01
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UFB Direct
UFB Checking and Savings Bundle: 3.46% APY
Bundled Savings & Checking Account
Minimum Deposit: $5000
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Direct Deposit: Not required
UFB Portfolio Savings: 3.26% APY
Minimum Deposit: $0
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