Capital One vs. Citizens Access™
Compare rates, requirements, and features side-by-side to find the best option for you.
Capital One
360 Performance Savings
3.40%APYDec 6, 2025FDIC InsuredNo MinimumsGreat iOS AppGreat Android AppIn-Person AccessShow Fine Print & Trends Hide Details
Capital One
360 Performance Savings
Citizens Access™
Citizens Access® Savings
3.35%APYDec 5, 2025FDIC InsuredNo MinimumsGreat iOS AppGreat Android AppShow Fine Print & Trends Hide Details
Citizens Access™
Citizens Access® Savings
Market Reality Check
Both of these banks offer rates below the current top tier. The best rates we track are currently above 4.25% APY.
Comparison Analysis
Comparing Capital One vs. Citizens Access™
Why Capital One?
- ✓Physical branch access (Over 200 branches in Louisiana, Maryland, New Jersey, New York, Texas, Virginia and Washington, D.C.)
Why Citizens Access™?
- ✓Higher rated Android app (4.8 vs 4.5)
Shared Benefits
Over a 1-year period, Capital One's 360 Performance Savings pays $5 more interest on a $10,000 balance than Citizens Access™'s Citizens Access® Savings.
Executive Summary
Capital One offers the 360 Performance Savings account with a competitive APY of 3.40%, making it the highest-yielding option between the two banks. Citizens Access™ follows closely with an APY of 3.35% for its Citizens Access® Savings account. Both accounts have no minimum deposit or balance requirements and do not charge maintenance fees. However, Citizens Access™ is an online-only bank, while Capital One provides a more traditional banking experience. Both accounts do not require direct deposit, providing flexibility for account holders.
Analysis generated based on current Banksparency database records
* AI-generated content provided for informational purposes only. Accuracy is not guaranteed; always verify details with the provider.
Stop Losing Interest
See who beats both Capital One and Citizens Access™.
| Feature | Capital One | Citizens Access™ |
|---|---|---|
| APY | 3.40% Verified: 12/6/2025 ↘︎ 0.10%90d Change | 3.35% Verified: 12/5/2025 ↘︎ 0.15%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 Android4.8 |
| BBB Rating | A+ | A+ |
| Next Steps |
Savings Comparison
Capital One earns $31.7 more than Citizens Access™.
Capital One
360 Performance Savings
Savings Breakdown
- Interest Earned+$2,050.50(10.2%)
- Total Contributions$13,000
- Initial Deposit$5,000
Projected Balance
$20,050.50
Citizens Access™
Citizens Access® Savings
Savings Breakdown
- Interest Earned+$2,018.80(10.1%)
- Total Contributions$13,000
- Initial Deposit$5,000
Projected Balance
$20,018.80
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
📈 Compare Savings Rates Over Time
Historical Performance
| Metric | Capital One | Citizens Access™ |
|---|---|---|
| 360 Performance Savings | Citizens Access® Savings | |
Current APY | 3.40% | 3.35% |
Trend | Stable | Stable |
Velocity (bps/mo) | -3.5 | -3.8 |
Days Since Change | 66 | 37 |
10-Month High | 3.80% | 3.70% |
10-Month Low | 3.40% | 3.35% |
Adjustments / Mo | 0.38 | 0.19 |
Volatility Score | 0.032 | 0.037 |
How to read these metrics(Click to expand)
Compare Similar High-Yield Accounts
Compare Capital One vs...
Comparing against Standard Savings
Compare Citizens Access™ vs...
Comparing against Standard Savings
Higher Rates (With Checking)
Looking for something different? Check out these top-rated alternatives.