Betterment vs. Citizens Access™
Compare rates, requirements, and features side-by-side to find the best option for you.
Betterment
Cash Reserve
3.50%APYDec 10, 2025FDIC InsuredLow MinimumsGreat iOS AppGreat Android AppShow Fine Print & Trends Hide Details
Betterment
Cash Reserve
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.
Betterment vs. Citizens Access™ Savings Calculator
Betterment earns $221.6 more than Citizens Access™.
Betterment
Cash Reserve
Savings Breakdown
- Interest Earned+$2,114.10(10.5%)
- Total Contributions$13,000
- Initial Deposit$5,000
Projected Balance
$20,114.10
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 Betterment vs. Citizens Access™
Why Betterment?
- ✓Higher potential APY (3.50% vs 3.15%) on all balances
Why Citizens Access™?
No distinct advantages found vs Betterment.
— Key Feature Differences —
Better Returns at $10,000
BettermentBetterment's Cash Reserve earns more on smaller deposits (approx. $350 vs $315/yr).
Better Returns at $25,000
BettermentBetterment's Cash Reserve pulls ahead with larger amounts (approx. $875 vs $788/yr).
Best for Simplicity
BettermentBetterment's Cash Reserve offers 3.50% APY with no bundling, direct deposit requirement or caps.
Shared Benefits
Over a 1-year period, Betterment's Cash Reserve pays $35 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
Betterment offers a competitive savings product, the Cash Reserve, with an APY of 3.50%, making it the higher-yield option compared to Citizens Access™, which provides a 3.15% APY through its Citizens Access® Savings account. Betterment's Cash Reserve requires a minimum deposit of $10 and has no direct deposit requirement, while Citizens Access™ has a minimum deposit of just $0.01. Both accounts are online-only and come with no maintenance fees. Overall, Betterment's Cash Reserve stands out for its higher APY and straightforward terms.
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.
Stop Losing Interest
See who beats both Betterment and Citizens Access™.
| Feature | Betterment | Citizens Access™ |
|---|---|---|
| APY | 3.50% Verified: 12/10/2025 ↘︎ 0.50%90d Change | 3.15% Verified: 12/10/2025 ↘︎ 0.35%90d Change |
| Product Name | Cash Reserve | Citizens Access® Savings |
| Minimum Deposit | $10 | $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 | iOS4.8 Android4.7 | iOS4.8 Android4.9 |
| BBB Rating | A- | A+ |
| Next Steps |
📈 Compare Savings Rates Over Time
Historical Performance
| Metric | Betterment | Citizens Access™ |
|---|---|---|
| Cash Reserve | Citizens Access® Savings | |
Current APY | 3.50% | 3.15% |
Trend | Stable | Stable |
Velocity (bps/mo) | -4.7 | -3.9 |
Days Since Change | 39 | 0 |
10-Month High | 4.00% | 3.70% |
10-Month Low | 3.50% | 3.15% |
Adjustments / Mo | 0.19 | 0.28 |
Volatility Score | 0.049 | 0.038 |
How to read these metrics(Click to expand)
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