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 21, 2026 | CitibankCiti Accelerate Savings Jan 21, 2026 |
|---|---|---|
| APY | 3.30% | 3.30% |
Est. Earnings | $5,000+$165 $10,000+$330 $25,000+$825 | $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 4.20% APY.
Comparison Analysis
Comparing Capital One vs. Citibank
As of both Capital One (360 Performance Savings) and Citibank (Citi Accelerate Savings) offer an APY of 3.30% .
Both banks yield $330 in interest on a $10,000 balance after one year. Neither has an APY advantage, so consider other features (fees, access, app ratings, etc.) when choosing.
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.
Shared Benefits
Executive Summary as of
Both Capital One and Citibank offer competitive savings accounts with an APY of 3.30%. Capital One's 360 Performance Savings account has no minimum deposit or balance requirements, and there are no maintenance fees, making it an accessible option for savers. In contrast, Citibank's Citi Accelerate Savings account also features a $0 minimum deposit but requires a minimum balance of $0.01 to avoid a $4.50 monthly maintenance fee. Additionally, Citibank's account is available only to residents in select states, while Capital One does not have such restrictions. Both accounts compound interest monthly, providing savers with flexibility in their savings strategy.
The analysis is based on current Banksparency database records
* This content is provided for informational purposes only; always verify details with the provider.
Non-sponsored link to official site
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Capital One vs. Citibank Savings Calculator
Both accounts earn exactly the same amount.
Capital One
360 Performance Savings
Savings Breakdown
- Interest Earned+$330.00(3.2%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,330.00
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 | 3.30% Verified: 1/21/2026 ↘︎ 0.10%90d Change | 3.30% Verified: 1/21/2026 ↘︎ 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 | 3.30% | 0.03% | 3.30% |
Trend | Stable | Stable | Stable |
Velocity (bps/mo) | -3.4 | -0.0 | -4.7 |
Days Since Change | 13 | 358 | 64 |
12-Month High | 3.80% | 0.03% | 3.80% |
12-Month Low | 3.30% | 0.03% | 3.30% |
Adjustments / Mo | 0.42 | 0.00 | 0.50 |
Volatility Score | 0.035 | 0.000 | 0.048 |
How to read these metrics(Click to expand)
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