Citizens Access™
Last Updated: 6/20/2025
Note: Interest rates below are reported as APY, or Annual Percentage YieldQuick Views
Citizens Access® Savings: 3.70% APY(Rank 64 out of 74 tracked HYSAs)
Minimum Deposit: $0.01 | Online Only
National Savings Interest Rate: 0.42% (as of 5/19/2025)
Note: The FDIC tracks savings and CD rates nationally, but it does not report APY, only the average interest rate.
(Source: FDIC)Bank Overview
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 is 3.70%, unchanged from 30 days ago.
- No maintenance fees for the Citizens Access® Savings account.
- High App Store rating of 4.8.
- A BBB rating indicates good trustworthiness.
Considerations
- No branches available for in-person banking.
- Direct deposit is not required but may limit some users.
- Minimum balance requirement of $0.01 may be seen as a drawback.
- Only offers one savings account option.
Summary: Citizens Access™ offers a competitive APY of 3.70% for its online-only Citizens Access® Savings account, with no maintenance fees. The bank boasts a strong BBB rating of A and high customer ratings of 4.8 on both the App Store and Google Play. However, it lacks physical branches and offers limited account options, which may not appeal to all savers.
Savings Account
Savings Account Offered by Citizens Access™
| Feature | Citizens Access® Savings |
|---|---|
| APY | 3.70% (as of 6/20/2025) |
| APY Trend | Stable for the last month |
| 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 |
No deposit agreement summary available for this bank. | |
Calculate Savings for Citizens Access™
All calculations are based on APY.
Citizens Access® Savings (APY: 3.70%)
Deposit Frequency:
Total savings breakdown:
- Interest earned: $4 (3.85%)
- Total contributions: $0 (0.00%)
- Initial deposit: $100 (96.15%)
Your total balance
$104.00
Effective APY: 3.70% (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 | 3.70 % |
| Trend | Sideways |
| Slope (bps/mo) | 0.0 |
| Rate Changes / Mo | 0.00 |
| Days Since Last Change | 145 |
| High (-5 m) | 3.70 % |
| Low (-5 m) | 3.70 % |
| Draw-down from High | 0.0 % |
| Volatility (CV) | 0.000 |
APY Insights Glossary
- Latest APY
- Most recent advertised annual-percentage yield.
- Trend
- Direction over the last 5 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 (-5 m)
- Highest APY in the last 145 days.
- Low (-5 m)
- Lowest APY in the last 145 days.
- Draw-down from High
- How far today sits below the 5-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.
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| Feature | Citizens Access™ | Select a bank... |
|---|---|---|
| Product | Citizens Access® Savings | N/A |
| APY | 3.70% (as of 6/20/2025) | 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 |