Citizens Access™: Savings Account & Rates

By Aviel Fahl

Updated: 1/21/2026

Mission: Banksparency aims to make Citizens Access™'s savings account transparent and comparable to the market.

Interest rates reported as APY

Savings Overview

Citizens Access® Savings

3.15% APY

Rate Adjusted

-0.35%

Since 90 days ago

Min: $0.01 Online Only

Min. Deposit	$0.01
Min. Balance	$0.01
Maintenance Fee	$0

Rank #79 of 99 tracked.

Market Reality Check

This bank offers rates below the current top tier. The best rates we track are currently above 4.20% APY.

See Top Rates

National Avg: 0.39% (FDIC, 1/20/2026).
Banksparency tracks live rates daily.

Bank Overview

Ratings & Trust
4.8iOS 4.9Android A+BBB BBB Accredited
Zelle® SupportNo Support
Standard ACH or Wire transfers only.
Deposit InsuranceFDIC Insured(Cert: 57957)

Visit Official Website

Featured Offers

Axos ONE - High Yield Savings & Checking

Over 95,000 fee-free ATMs
Get paid up to 2 days early with Direct Deposit
One convenient app for spending & saving

FDIC Insured

Savings4.31%APY

Checking0.51%APY

Go to Axos Bank

Member, FDIC

View Details

Monthly Maintenance Fee	None
Min. Deposit to Savings Account	$0
Min. Balance in Savings Account	$0
How to qualify for APY	OPTION ADirect Deposit $1,500+ AND Maintain $1,500+ avg daily checking balance. OR OPTION BDeposit $5,000+ total/mo AND Maintain $5,000+ avg daily checking balance.
Mobile Ratings	iOS:4.7 Android:4.5

The 4.31% APY is available with the Axos ONE savings and checking bundle. The checking account earns 0.51% APY. To qualify, you must either set up a direct deposit of $1,500 and maintain an average daily balance of more than $1,500 in your ONE Checking account, or receive at least $5,000 in total monthly qualifying deposits and maintain an average daily balance of more than $5,000.

EASY TRANSFERS, LOW MINIMUMS

SponsoredVerified Jan 21, 2026

FDIC Insured

Quontic High Yield Savings

Apply in 3 minutes or less
No monthly service fees
Transfer with Zelle, Apple Pay, G-Pay, and more

FDIC Insured

Savings3.50%APY

Go to Quontic Bank

Member, FDIC

View Details

Monthly Maintenance Fee	None
Min. Deposit to Savings Account	$100
Min. Balance in Savings Account	$0
Mobile Ratings	iOS:4.8 Android:4.9

PREMIUM ACCOUNT, GENEROUS BONUS

SponsoredVerified Jan 21, 2026

FDIC Insured

CIT Bank - Platinum Savings

Competitive APY - with a balance of $5,000+
Earn up to $300 bonus with qualifying deposit
Highly rated mobile apps

FDIC Insured

Savings3.75%APY

Up to$300Bonus

Go to CIT Bank

Member, FDIC

View Details

Monthly Maintenance Fee	None
Min. Deposit to Savings Account	$100
Min. Balance in Savings Account	$5,000
Mobile Ratings	iOS:4.8 Android:4.6

This is a tiered savings account, where the 3.75% APY requires meeting the $5,000 balance requirement. Lower balances earn an APY of 0.25%.

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

Verdict

Citizens Access™ offers a competitive savings account with an APY of 3.15%. There is no minimum opening deposit required, and account holders benefit from no monthly maintenance fees. The bank provides top-tier mobile apps, rated 4.8 for iOS and 4.9 for Android. However, it is important to note that this account is online-only, with no physical branch access, and while the yield is decent, it falls below that of current market leaders. Additionally, there are no promotional rates, tiered structures, or checking account requirements associated with this savings product.

Top Market Contenders

Barclays

4.00% APY

vs. Citizens Access™

Ally Bank

3.30% APY

vs. Citizens Access™

Marcus by Goldman Sachs

3.65% APY

vs. Citizens Access™

Popular Peer Comparisons

American Express vs Marcus by Goldman Sachs Barclays vs Capital One American Express vs SoFi Bank Capital One vs SoFi Bank Chase Bank vs SoFi Bank Axos Bank vs SoFi Bank

Savings Account: In-Depth View

Savings Account Offered by Citizens Access™

Feature	Citizens Access® Savings
APY	3.15%Verified: 1/21/2026
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™

All calculations are based on APY.

Selected Product

Citizens Access® Savings3.15% APY

Initial Deposit

Recurring Deposit

Frequency

Duration

Savings Breakdown

Interest Earned
+$1,221.50(8.0%)
Total Contributions
$13,000
Initial Deposit
$1,000

Projected Balance

$15,221.50

Effective APY

3.15%

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	Falling
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 359-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: 1/21/2026	-
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