Capital One vs. Citibank
High-Yield Savings Account Comparison
By Aviel Fahl|Last Updated: November 12, 2025
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Summary of Capital One vs. Citibank
Key Metrics at a Glance
| Feature | Capital One | Citibank |
|---|---|---|
| Top Savings APY | 3.40% 360 Performance Savings | 3.35% Citi Accelerate Savings |
| Minimum to Open | $0 | $0 |
| Minimum Balance for Top APY | $0 | $0.01 |
Capital One
Strengths
- Capital One offers a higher APY of 3.40% compared to Citibank's 3.35%.
- Capital One has an A+ BBB rating and is BBB Accredited.
- Capital One has over 200 branches across multiple states.
Potential Drawbacks
- Capital One does not offer an online-only account option.
Citibank
Strengths
- Citibank has a higher Google Play rating of 4.8 compared to Capital One's 4.5.
- Citibank offers an online-only account option for easier management.
Potential Drawbacks
- Citibank has a low BBB rating of D- and is not BBB Accredited.
- Citibank's APY of 3.35% is lower than Capital One's 3.40%.
→ As of November 12, 2025 Capital One offers an APY of 3.40% for its 360 Performance Savings account, with a minimum balance of $0, compared to Citibank's 3.35% APY for its Citi Accelerate Savings account, with a minimum balance of $0.01.
→ Capital One yields $5 more than Citibank on a $10,000 balance after one year. Capital One pays $340, while Citibank pays $335 - an APY advantage for Capital One.
→ In addition, Citibank also offers 0.03% APY for the Citi® Savings Account account.
Calculate Savings Growth for Capital One vs Citibank
Capital One - 360 Performance Savings
Total savings breakdown:
- Interest earned: $2,050.5 (10.23%)
- Total contributions: $13,000 (64.84%)
- Initial deposit: $5,000 (24.94%)
Your total balance
$20,050.50
Total balance: $20,050.5
Earnings: $2,050.5
Bank OverviewCitibank - Citi Accelerate Savings
Total savings breakdown:
- Interest earned: $2,018.8 (10.08%)
- Total contributions: $13,000 (64.94%)
- Initial deposit: $5,000 (24.98%)
Your total balance
$20,018.80
Total balance: $20,018.8
Earnings: $2,018.8
Bank OverviewWith a $5,000 initial deposit and $13,000 in total contributions over 5 years, Capital One's total earnings would be $31.7 higher than Citibank's total earnings.
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
Compare Capital One's vs Citibank's Savings Accounts
| Capital One | Citibank | |||
|---|---|---|---|---|
| Product | 360 Performance Savings | vs | Citi Accelerate Savings | Citi® Savings Account |
| APY | 3.40% (as of 11/12/2025) | 3.35% (as of 11/12/2025) | 0.03% (as of 11/12/2025) | |
| Bundled Account | No | No | No | |
| FDIC-insured | Yes | Yes | Yes | |
| Online Only | No | Yes | No | |
| Compound Frequency | Monthly | Daily | Daily | |
| Minimum Deposit | $0 | $0 | $0 | |
| Minimum Balance for APY | $0 | $0.01 | $0.01 | |
| Maintenance Fee | $0 | $4.50. Waived for average monthly balances > $500 | $4.50. Waived for average monthly balances > $500 | |
| Direct Deposit Required | No | No | No | |
| Eligibility | United States | Alaska, Alabama, Arkansas, Arizona, Colorado, Delaware, Florida (select parts), Georgia, Hawaii, Iowa, Idaho, Illinois (select parts), Indiana, Kansas, Kentucky, Louisiana, Maine, Michigan, Minnesota, Missouri, Mississippi, Montana, North Carolina, North Dakota, Nebraska, New Hampshire, New Mexico, Ohio, Oklahoma, Oregon, Pennsylvania, Rhode Island, South Carolina, South Dakota, Tennessee, Texas, Utah, Virginia (partial), Washington (partial), Wisconsin, West Virginia, Wyoming. | California, Connecticut, Maryland, Nevada, New Jersey, New York, Virginia (partial), Washington D.C., and select parts of Florida and Illinois. In addition, promotional rates may be available if requirements are met. | |
| App Store Rating | 4.9/5 | 4.9/5 | ||
| Google Play Rating | 4.5/5 | 4.8/5 | ||
| BBB Rating | A+ | D- | ||
Comparative Historical APY Insights (Last 9 Months)
| Capital One | Citibank | |||
|---|---|---|---|---|
| Product | 360 Performance Savings | vs | Citi® Savings Account | Citi Accelerate Savings |
| Latest APY | 3.40 % | 0.03 % | 3.35 % | |
| Trend | Sideways | Sideways | Sideways | |
| Slope (bps/mo) | -3.7 | 0.0 | -4.8 | |
| Rate Changes / Mo | 0.42 | 0.00 | 0.52 | |
| Days Since Last Change | 43 | 289 | 9 | |
| High (-9 m) | 3.80 % | 0.03 % | 3.80 % | |
| Low (-9 m) | 3.40 % | 0.03 % | 3.35 % | |
| Draw-down from High | -10.5 % | 0.0 % | -11.8 % | |
| Volatility (CV) | 0.031 | 0.000 | 0.039 | |
APY Insights Glossary
- Latest APY
- Most recent advertised annual-percentage yield.
- Trend
- Direction over the last 9 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 (-9 m)
- Highest APY in the last 289 days.
- Low (-9 m)
- Lowest APY in the last 289 days.
- Draw-down from High
- How far today sits below the 9-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.