Capital One vs. Citibank
Comparing Capital One and Citibank for high-yield savings: Capital One's 360 Performance Savings pays 3.30% APY while Citibank's Citi Accelerate Savings pays 3.20% APY.
See how they compare on rate stability, mobile app ratings, and more below.
The Bottom Line
Who pays more interest on $10,000? Capital One pays $10 more than Citibank annually ($330 vs $320).
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 Feb 21, 2026 | CitibankCiti Accelerate Savings Feb 21, 2026 |
|---|---|---|
| APY | 3.30% | 3.20% |
Est. Earnings | $5,000+$165 $10,000+$330 $25,000+$825 | $5,000+$160 $10,000+$320 $25,000+$800 |
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 4.15% APY.
Comparison Analysis
Comparing Capital One vs. Citibank
Executive Summary
Capital One offers the 360 Performance Savings account with a competitive APY of 3.30%, making it the top choice among the provided options. This account has no minimum deposit or balance requirements and does not require direct deposit. In comparison, Citibank's top product, the Citi Accelerate Savings, offers a slightly lower APY of 3.20% and is available only to customers in select states. It also requires a minimum balance of $0.01 to avoid a maintenance fee. Both banks provide FDIC insurance and have no maintenance fees if certain conditions are met.
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
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.
Non-sponsored link to official site
Non-sponsored link to official site
Top Market Contenders
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+$330.00(3.2%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,330.00
Citibank
Citi Accelerate Savings
Savings Breakdown
- Interest Earned+$320.00(3.1%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,320.00
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 $319 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 | 3.30% Verified: 2/21/2026 ↘︎ 0.10%90d Change | 3.20% Verified: 2/21/2026 ↘︎ 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 |
| 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 | 3.30% | 0.03% | 3.20% |
Trend | Stable | Stable | Stable |
Velocity (bps/mo) | -3.3 | -0.0 | -4.7 |
Days Since Change | 44 | 365 | 25 |
12-Month High | 3.70% | 0.03% | 3.80% |
12-Month Low | 3.30% | 0.03% | 3.20% |
Adjustments / Mo | 0.33 | 0.00 | 0.58 |
Volatility Score | 0.035 | 0.000 | 0.049 |
How to read these metrics(Click to expand)
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