Capital One vs. Citizens Access™
Compare rates, requirements, and features side-by-side to find the best option for you.
| Metric | Capital One360 Performance Savings Jan 21, 2026 | Citizens Access™Citizens Access® Savings Jan 21, 2026 |
|---|---|---|
| APY | 3.30% | 3.15% |
Est. Earnings | $5,000+$165 $10,000+$330 $25,000+$825 | $5,000+$158 $10,000+$315 $25,000+$788 |
Min Deposit | $0 | $0.01 |
Snapshot view. Rates subject to change. | ||
| Features | FDIC InsuredNo MinimumsGreat iOS AppGreat Android AppIn-Person AccessZelle® Supported | FDIC InsuredNo MinimumsGreat iOS AppGreat Android App |
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. Citizens Access™
As of Capital One offers an APY of 3.30% for its 360 Performance Savings account, with a minimum balance of $0, compared to Citizens Access™'s 3.15% APY for its Citizens Access® Savings account, with a minimum balance of $0.01.
Capital One pays $15 more than Citizens Access™ on a $10,000 balance after one year. Capital One pays $330, while Citizens Access™ pays $315 - an APY advantage for Capital One.
Why Capital One?
- ✓Higher potential APY (3.30% vs 3.15%) on all balances
- ✓Physical branch access (Over 200 branches in Louisiana, Maryland, New Jersey, New York, Texas, Virginia and Washington, D.C.)
- ✓Fast transfers via Zelle® (up to $2,500 a day)
Why Citizens Access™?
- ✓Higher rated Android app (4.9 vs 4.5)
— Key Feature Differences —
Better Returns at $10,000
Capital OneCapital One's 360 Performance Savings earns more on smaller deposits (approx. $330 vs $315/yr).
Better Returns at $25,000
Capital OneCapital One's 360 Performance Savings pulls ahead with larger amounts (approx. $825 vs $788/yr).
Shared Benefits
Over a 1-year period, Capital One's 360 Performance Savings pays $15 more interest on a $10,000 balance than Citizens Access™'s Citizens Access® Savings.
*This calculation assumes current rates remain consistent for 1 year and does not include temporary bonuses.
Executive Summary as of
Capital One's 360 Performance Savings offers a competitive APY of 3.30%, making it the top choice compared to Citizens Access™, which provides a slightly lower APY of 3.15%. Both accounts have no minimum deposit requirements and no maintenance fees, with Capital One's account compounding monthly, while Citizens Access™ compounds daily. Notably, neither account requires direct deposit, and both are FDIC insured. For those seeking higher returns on savings, Capital One stands out as the winner.
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
Non-sponsored link to official site
Top Market Contenders
Capital One vs. Citizens Access™ Savings Calculator
You earn $15 more with Capital One than Citizens Access™ 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
Citizens Access™
Citizens Access® Savings
Savings Breakdown
- Interest Earned+$315.00(3.1%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,315.00
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
| Feature | Capital One | Citizens Access™ |
|---|---|---|
| APY | 3.30% Verified: 1/21/2026 ↘︎ 0.10%90d Change | 3.15% Verified: 1/21/2026 ↘︎ 0.35%90d Change |
| Product Name | 360 Performance Savings | Citizens Access® Savings |
| Minimum Deposit | $0 | $0.01 |
| Min. Balance for APY | $0 | $0.01 |
| Monthly Fee | $0 | $0 |
| 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 | iOS4.8 Android4.9 |
| Zelle® Support | Available Limit: $2,500/dayAvailable for 360 Checking accounts. | Not Supported |
| BBB Rating | A+ | A+ |
| Next Steps | Visit SiteVerify at Capital One Non-sponsored link to official site | Visit SiteVerify at Citizens Access™ Non-sponsored link to official site |
📈 Compare Savings Rates Over Time
Historical Performance
| Metric | Capital One | Citizens Access™ |
|---|---|---|
| 360 Performance Savings | Citizens Access® Savings | |
Current APY | 3.30% | 3.15% |
Trend | Stable | Stable |
Velocity (bps/mo) | -3.4 | -5.0 |
Days Since Change | 13 | 42 |
12-Month High | 3.80% | 3.70% |
12-Month Low | 3.30% | 3.15% |
Adjustments / Mo | 0.42 | 0.25 |
Volatility Score | 0.035 | 0.055 |
How to read these metrics(Click to expand)
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