Capital One vs. Citibank
Compare rates, requirements, and features side-by-side to find the best option for you.
| Metric | Capital One360 Performance Savings Jan 7, 2026 | CitibankCiti Accelerate Savings Jan 7, 2026 |
|---|---|---|
| APY | 3.40% | 3.30% |
Est. Earnings | $5,000+$170 $10,000+$340 $25,000+$850 | $5,000+$165 $10,000+$330 $25,000+$825 |
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® Supported | FDIC InsuredNo MinimumsGreat iOS AppGreat Android AppZelle® Supported |
Market Reality Check
Both of these banks offer rates below the current top tier. The best rates we track are currently above 4.21% APY.
Comparison Analysis
Comparing Capital One vs. Citibank
As of Capital One offers an APY of 3.40% for its 360 Performance Savings account, with a minimum balance of $0, compared to Citibank's 3.30% APY for its Citi Accelerate Savings account, with a minimum balance of $0.01.
Capital One pays $10 more than Citibank on a $10,000 balance after one year. Capital One pays $340, while Citibank pays $330 - an APY advantage for Capital One.
In addition, Citibank also offers 0.03% APY for the Citi® Savings Account account, with a minimum balance of $0.01.
Why Capital One?
- ✓Available Nationwide
Why Citibank?
No distinct advantages found vs Capital One.
— Key Feature Differences —
Better Returns at $25,000
Capital OneCapital One's 360 Performance Savings pulls ahead with larger amounts (approx. $850 vs $825/yr).
Shared Benefits
Over a 1-year period, Capital One's 360 Performance Savings pays $10 more interest on a $10,000 balance than Citibank's Citi Accelerate Savings.
*This calculation assumes current rates remain consistent for 1 year and does not include temporary bonuses.
Executive Summary as of
Capital One offers a competitive 360 Performance Savings account with an APY of 3.40%, which outperforms Citibank's Citi Accelerate Savings account at 3.30%. Both accounts require no minimum deposit and have no maintenance fees, making them accessible options for savers. However, Citibank's account is available only to customers in select states, while Capital One has no such restrictions. Additionally, Citibank provides a second savings product, the Citi® Savings Account, but its APY is significantly lower at 0.03%. Overall, Capital One's higher APY makes it the more attractive choice for savers.
The analysis is based on current Banksparency database records
* This content is provided for informational purposes only; always verify details with the provider.
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Capital One vs. Citibank Savings Calculator
You earn $10 more with Capital One than Citibank on a $10,000 initial deposit for 1 year*.
*This calculation assumes that APYs remain unchanged for 1 year, and takes into account known promo rate periods, but does not factor in bonuses. You can see how often these banks have changed their rates in the Compare Savings Rates Over Time section below.
Capital One
360 Performance Savings
Savings Breakdown
- Interest Earned+$340.00(3.3%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,340.00
Citibank
Citi Accelerate Savings
Savings Breakdown
- Interest Earned+$330.00(3.2%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,330.00
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
| Feature | Capital One | Citibank |
|---|---|---|
| APY | 3.40% Verified: 1/7/2026 Stable (90d) | 3.30% Verified: 1/7/2026 ↘︎ 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 |
| Branch Access | Yes | None |
| Account Type | Online & Branches | Online Only |
| Direct Deposit Req. | None | None |
| Checking Bundle | No | No |
| Mobile Apps | iOS4.9 Android4.5 | iOS4.9 Android4.8 |
| 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 | 3.40% | 0.03% | 3.30% |
Trend | Stable | Stable | Stable |
Velocity (bps/mo) | -3.3 | 0.0 | -4.8 |
Days Since Change | 98 | 344 | 50 |
11-Month High | 3.80% | 0.03% | 3.80% |
11-Month Low | 3.40% | 0.03% | 3.30% |
Adjustments / Mo | 0.35 | 0.00 | 0.52 |
Volatility Score | 0.033 | 0.000 | 0.047 |
How to read these metrics(Click to expand)
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