Citizens Access™

Last Updated: 7/16/2025

Note: Interest rates below are reported as APY, or Annual Percentage Yield

Quick Views

Citizens Access® Savings: 3.70% APY(Rank 65 out of 77 tracked HYSAs)

Minimum Deposit: $0.01 | Online Only

National Savings Interest Rate: 0.38% (as of 6/16/2025)

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 of 3.70%, unchanged from 30 days ago.
No minimum deposit or balance requirements.
No maintenance fees for the savings account.
High App Store and Google Play ratings of 4.8.

Considerations

No physical branches available.
Direct deposit is not required but may limit some users.
Only one savings account option with the same APY.
BBB rating is A, which is good but not the highest.

Summary: Citizens Access™ offers a competitive APY of 3.70% for its online-only savings account, with no minimum deposit or maintenance fees. However, it lacks physical branches and only provides one savings account option. The bank has a solid BBB rating of A and high customer ratings on both app stores, indicating good service. The absence of a direct deposit requirement may restrict some potential account holders.

Savings Account

Savings Account Offered by Citizens Access™

Feature	Citizens Access® Savings
APY	3.70% (as of 7/16/2025)
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.

Savings Product:

Citizens Access® Savings (APY: 3.70%)

Initial Deposit:

Recurring Deposit Amount:

Deposit Frequency:

Duration:

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	169
High (-6 m)	3.70 %
Low (-6 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 6 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 (-6 m): Highest APY in the last 169 days.
Low (-6 m): Lowest APY in the last 169 days.
Draw-down from High: How far today sits below the 6-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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Feature	Citizens Access™	Select a bank...
Product	Citizens Access® Savings	N/A
APY	3.70% (as of 7/16/2025)	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