Capital One vs. Citibank
Capital One and Citibank both offer 3.10% APY on their high-yield savings accounts. With identical rates, your choice comes down to other factors like mobile app quality, branch access, or customer service reputation.
The Bottom Line
The Capital One and Citibank savings accounts are very similar. Choose Capital One if BBB rating matters to you, or you value in-person banking.
Important Considerations
Citibank's Accelerate Savings is only available in select states where Citi has no branch presence. Check eligibility before applying.
| Metric | Capital One360 Performance Savings May 22, 2026 | CitibankCiti Accelerate Savings May 22, 2026 |
|---|---|---|
| APY | 3.10% | 3.10% |
Est. Earnings | $5,000+$155 $10,000+$310 $25,000+$775 | $5,000+$155 $10,000+$310 $25,000+$775 |
Min Deposit | $0 | $0 |
Snapshot view. Rates subject to change. | ||
Terms | - | Eligibility restricted to select states. |
| Features | FDIC InsuredNo MinimumsGreat iOS AppGreat Android AppIn-Person AccessZelle® SupportedRate Changes Often | FDIC InsuredNo MinimumsGreat iOS AppGreat Android AppZelle® SupportedDaily CompoundingRate Changes Often |
Market Reality Check
Both of these banks offer rates below the current top tier. The best rates we track are currently above 4.10% APY.
Comparison Analysis
Comparing Capital One vs. Citibank
Executive Summary
Both Capital One and Citibank offer competitive savings accounts with an APY of 3.10%. Capital One's 360 Performance Savings account, which has no minimum deposit or maintenance fees, compounds monthly and is accessible to all customers. Citibank's Citi Accelerate Savings account also features a $0 minimum deposit but is restricted to customers in select states and compounds daily. While Citibank's account has a maintenance fee of $4.50, it can be waived with an average monthly balance over $500. Overall, the APYs are comparable, making either option a solid choice depending on the customer's location and preferences.
The analysis is based on current Banksparency database records
* This content is provided for informational purposes only; always verify details with the provider.
Why Capital One?
- ✓Available Nationwide
Why Citibank?
No distinct advantages found vs Capital One.
Shared Benefits
Non-sponsored link to official site
Non-sponsored link to official site
Top Market Contenders
Capital One vs. Citibank Savings Calculator
Both accounts earn exactly the same amount.
Capital One
360 Performance Savings
Savings Breakdown
- Interest Earned+$310.00(3.0%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,310.00
Citibank
Citi Accelerate Savings
Savings Breakdown
- Interest Earned+$310.00(3.0%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,310.00
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
Still banking with Chase, Bank of America, or Wells Fargo?
On a $10,000 balance, you're missing out on at least $309 per year in interest.
Both Capital One and Citibank dramatically outperform the typical 0.01% APY at traditional big banks.
| Feature | Capital One | Citibank |
|---|---|---|
| APY | 3.10% Verified: 5/22/2026 ↘︎ 0.20%90d Change | 3.10% Verified: 5/22/2026 ↘︎ 0.10%90d Change |
| Product Name | 360 Performance Savings | Citi Accelerate Savings |
| Minimum Deposit | $0 | $0 |
| Min. Balance for APY | $0 | $0.01 |
| Monthly Fee | $0 | $4.50. Waived for average monthly balances > $500 |
| Compound Frequency | Monthly | Daily |
| Branch Access | Yes | None |
| Account Type | Online & Branches | Online Only |
| Physical Branches | Over 200 branches in Louisiana, Maryland, New Jersey, New York, Texas, Virginia and Washington, D.C. | U.S. branches are concentrated in six metropolitan areas, New York City, Chicago, Los Angeles, San Francisco, Washington, D.C., and Miami. |
| Direct Deposit Req. | None | None |
| Checking Bundle | No | No |
| Mobile Apps | ||
| FDIC Insured | YesVerify FDIC | YesVerify FDIC |
| Zelle® Support | Available Limit: $2,500/dayAvailable for 360 Checking accounts. | Available Limit: $2,500/dayTiered limits based on account status (Citigold higher). |
| BBB Rating | A+ | D- |
| Important Notes | - | Eligibility restricted to select states. |
| Next Steps | Visit SiteVerify at Capital One Non-sponsored link to official site | Visit SiteVerify at Citibank Non-sponsored link to official site |
📈 Compare Savings Rates Over Time
Historical Performance
| Metric | Capital One | Citibank | |
|---|---|---|---|
| 360 Performance Savings | Citi® Savings Account | Citi Accelerate Savings | |
Current APY | 3.10% | 0.03% | 3.10% |
Trend | Stable | Stable | Stable |
Velocity (bps/mo) | -3.9 | 0.0 | -4.4 |
Days Since Change | 28 | 365 | 17 |
12-Month High | 3.60% | 0.03% | 3.60% |
12-Month Low | 3.10% | 0.03% | 3.10% |
Adjustments / Mo | 0.41 | 0.00 | 0.58 |
Volatility Score | 0.041 | 0.000 | 0.046 |
How to read these metrics(Click to expand)
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More Comparisons
Compare Capital One's APY of 3.10% with other banks
Compare Citibank's APY of 3.10% with other banks
| Bank Pair | Competitor APY | Min Deposit |
|---|---|---|
| Citibank vs Ally Bank | 3.10% | $0 |
| Citibank vs American Express | 3.10% | $0 |
| Citibank vs Axos Bank | 4.21% | $0 |
| Citibank vs Barclays | 3.75% | $0 |
| Citibank vs Chime | 3.00% | $0 |
| Citibank vs CIT Bank | 3.75% | $100 |
| Citibank vs Discover Bank | 3.30% | $0 |
| Citibank vs EverBank | 3.90% | $0 |
| Citibank vs Marcus by Goldman Sachs | 3.50% | $0 |
| Citibank vs Newtek Bank | 4.20% | $0.01 |
| Citibank vs Openbank | 4.00% | $500 |
| Citibank vs Pibank | 4.40% | $0 |
| Citibank vs SoFi Bank | 4.00% | $0 |
| Citibank vs Synchrony Bank | 3.40% | $0 |
| Citibank vs Varo Bank | 5.00% | $0 |
| Citibank vs Wealthfront | 4.20% | $0 |