Citizens Access™: Savings Account & Rates
Mission: Banksparency aims to make Citizens Access™'s savings account transparent and comparable to the market.
Analysis of Citizens Access™
Our verdict
Citizens Access™ offers Citizens Access® Savings, a high-yield savings account paying 3.15% APY with a $0.01 minimum deposit.
At 3.15% APY, Citizens Access™ pays 8x the national average (0.39%). Ranks in the top tier of 99+ accounts tracked.
Ideal User Profile
- Best for: simple saving without extra requirements, banking without needing a branch, and managing money from your phone.
Key Differentiators
- Stands out with top-rated iOS app (4.8), highly-rated Android app (4.8), A+ BBB rating.
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 4.15% APY.
Bank Overview
- Ratings & Trust
- Zelle® SupportNo SupportStandard ACH or Wire transfers only.
- Deposit InsuranceFDIC Insured(Cert: 57957)
Top Market Contenders
Savings Account: In-Depth View
Savings Account Offered by Citizens Access™
| Feature | Citizens Access® Savings |
|---|---|
APY | 3.15%Verified: 3/5/2026 |
APY Trend | Rate Adjusted -0.20% 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 | Falling |
Slope (bps/mo) | -5.8 |
Rate Changes / Mo | 0.25 |
Days Since Last Change | 85 |
High (-12m) | 3.70% |
Low (-12m) | 3.15% |
Draw-down | -14.9% |
Volatility (CV) | 0.062 |
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 365-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: 3/5/2026 | - |
APY Trend | Rate Adjusted -0.20% 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 | 3.20% | $0 |
| Citizens Access™ vs American Express | 3.30% | $0 |
| Citizens Access™ vs Axos Bank | 4.21% | $0 |
| Citizens Access™ vs Bank of America | 0.01% | $100 |
| Citizens Access™ vs Barclays | 3.85% | $0 |
| Citizens Access™ vs Capital One | 3.30% | $0 |
| Citizens Access™ vs Chase Bank | 0.01% | $0 |
| Citizens Access™ vs Chime | 3.00% | $0 |
| Citizens Access™ vs CIT Bank | 3.75% | $100 |
| Citizens Access™ vs Citibank | 3.20% | $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 | 4.20% | $0.01 |
| Citizens Access™ vs Openbank | 4.09% | $500 |
| Citizens Access™ vs Pibank | 4.60% | $0 |
| Citizens Access™ vs SoFi Bank | 4.00% | $0 |
| Citizens Access™ vs Synchrony Bank | 3.50% | $0 |
| Citizens Access™ vs Varo Bank | 5.00% | $0 |
| Citizens Access™ vs Wealthfront | 4.20% | $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
Capital One
360 Performance Savings: 3.30% APY
Minimum Deposit: $0
Bread Savings
High-Yield Savings Account: 4.00% APY
Minimum Deposit: $100
Online Only
OMB Bank
High Interest Savings Account: 1.00% APY
Bundled Savings & Checking Account
Minimum Deposit: $25
LendingClub
LevelUp Savings: 4.00% APY
Minimum Deposit: $0
Online Only
Quontic Bank
High Yield Savings: 3.50% APY
Minimum Deposit: $100
Online Only
Zynlo Bank
Tomorrow Savings Account: 3.85% APY
Minimum Deposit: $10
Online Only
RBMAX
Max Interest Savings: 3.40% APY
Minimum Deposit: $10
Online Only
EverBank
Performance Savings: 3.90% APY
Minimum Deposit: $0
Online Only
Wealthfront
Cash Account: 4.20% APY
Minimum Deposit: $0
Online Only
Openbank
High-Yield Savings Account: 4.09% APY
Minimum Deposit: $500
Online Only
Western Alliance Bank
High-Yield Savings Premier: 3.80% APY
Minimum Deposit: $500
Online Only
Marcus by Goldman Sachs
Marcus Online Savings Account: 3.65% APY
Minimum Deposit: $0
Online Only