Affirm vs. Citizens Access™
Compare rates, requirements, and features side-by-side to find the best option for you.
Affirm
Affirm Money Account
3.60%APYDec 10, 2025FDIC InsuredNo MinimumsGreat iOS AppGreat Android AppShow Fine Print & Trends Hide Details
Affirm
Affirm Money Account
Citizens Access™
Citizens Access® Savings
3.15%APYDec 10, 2025FDIC InsuredNo MinimumsGreat iOS AppGreat Android AppShow Fine Print & Trends Hide Details
Citizens Access™
Citizens Access® Savings
Market Reality Check
Both of these banks offer rates below the current top tier. The best rates we track are currently above 4.25% APY.
Affirm vs. Citizens Access™ Savings Calculator
Affirm earns $285.3 more than Citizens Access™.
Affirm
Affirm Money Account
Savings Breakdown
- Interest Earned+$2,177.80(10.8%)
- Total Contributions$13,000
- Initial Deposit$5,000
Projected Balance
$20,177.80
Citizens Access™
Citizens Access® Savings
Savings Breakdown
- Interest Earned+$1,892.50(9.5%)
- Total Contributions$13,000
- Initial Deposit$5,000
Projected Balance
$19,892.50
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
Comparison Analysis
Comparing Affirm vs. Citizens Access™
Why Affirm?
- ✓Higher potential APY (3.60% vs 3.15%) on all balances
Why Citizens Access™?
No distinct advantages found vs Affirm.
— Key Feature Differences —
Better Returns at $10,000
AffirmAffirm's Affirm Money Account earns more on smaller deposits (approx. $360 vs $315/yr).
Better Returns at $25,000
AffirmAffirm's Affirm Money Account pulls ahead with larger amounts (approx. $900 vs $788/yr).
Best for Simplicity
AffirmAffirm's Affirm Money Account offers 3.60% APY with no bundling, direct deposit requirement or caps.
Shared Benefits
Over a 1-year period, Affirm's Affirm Money Account pays $45 more interest on a $10,000 balance than Citizens Access™'s Citizens Access® Savings.
*This calculation assumes current rates remain consistent for 1 year and does not include temporary bonuses.
Executive Summary
Affirm offers a competitive savings option with its Affirm Money Account, providing a notable 3.60% APY with no minimum deposit, maintenance fees, or direct deposit requirements, making it ideal for simplicity. In contrast, Citizens Access™ provides a lower 3.15% APY on its savings account, also with no minimum balance or fees, but does not match Affirm's higher yield. Both accounts are online-only and FDIC-insured, but Affirm stands out as the winner based on its superior APY.
Analysis generated based on current Banksparency database records
* AI-generated content provided for informational purposes only. Accuracy is not guaranteed; always verify details with the provider.
Top Market Contenders
See who beats both Affirm and Citizens Access™.
| Feature | Affirm | Citizens Access™ |
|---|---|---|
| APY | 3.60% Verified: 12/10/2025 ↘︎ 0.25%90d Change | 3.15% Verified: 12/10/2025 ↘︎ 0.35%90d Change |
| Product Name | Affirm Money Account | Citizens Access® Savings |
| Minimum Deposit | $0 | $0.01 |
| Min. Balance for APY | $0 | $0.01 |
| Monthly Fee | $0 | $0 |
| Branch Access | None | None |
| Account Type | Online Only | Online Only |
| Direct Deposit Req. | None | None |
| Checking Bundle | No | No |
| Mobile Apps | iOS4.9 Android4.8 | iOS4.8 Android4.9 |
| BBB Rating | A+ | A+ |
| Important Notes | While Affirm is not a bank, it is FDIC-insured through partner Cross River Bank. | - |
| Next Steps |
📈 Compare Savings Rates Over Time
Historical Performance
| Metric | Affirm | Citizens Access™ |
|---|---|---|
| Affirm Money Account | Citizens Access® Savings | |
Current APY | 3.60% | 3.15% |
Trend | Stable | Stable |
Velocity (bps/mo) | -2.8 | -3.9 |
Days Since Change | 75 | 0 |
10-Month High | 3.85% | 3.70% |
10-Month Low | 3.60% | 3.15% |
Adjustments / Mo | 0.09 | 0.28 |
Volatility Score | 0.030 | 0.038 |
How to read these metrics(Click to expand)
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