Capital One vs. Citizens Access
High-Yield Savings Account Comparison
By Aviel Fahl|Last Updated: November 16, 2025
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Summary of Capital One vs. Citizens Access™
Key Metrics at a Glance
| Feature | Capital One | Citizens Access™ |
|---|---|---|
| Top Savings APY | 3.40% 360 Performance Savings | 3.35% Citizens Access® Savings |
| Minimum to Open | $0 | $0.01 |
| Minimum Balance for Top APY | $0 | $0.01 |
Capital One
Strengths
- Capital One offers a higher APY of 3.40% compared to Citizens Access's 3.35%.
- Capital One has over 200 branches across several states, providing physical access.
- Capital One's App Store rating is 4.9, higher than Citizens Access's 4.8.
Potential Drawbacks
- Capital One's APY has remained the same over the last 30 days.
- Capital One has a lower Google Play rating of 4.5 compared to Citizens Access's 4.8.
- Capital One's account is not online-only, which may be less convenient for some.
Citizens Access™
Strengths
- Citizens Access has a competitive APY of 3.35%, appealing for savers.
- Citizens Access has a Google Play rating of 4.8, higher than Capital One's 4.5.
- Citizens Access has no minimum deposit or balance requirements.
Potential Drawbacks
- Citizens Access's APY decreased from 3.50% over the last 30 days.
- Citizens Access has no physical branches, limiting in-person access.
- Citizens Access's App Store rating is 4.8, slightly lower than Capital One's 4.9.
→ As of November 16, 2025 Capital One offers an APY of 3.40% for its 360 Performance Savings account, with a minimum balance of $0, compared to Citizens Access™'s 3.35% APY for its Citizens Access® Savings account, with a minimum balance of $0.01.
→ Capital One yields $5 more than Citizens Access™ on a $10,000 balance after one year. Capital One pays $340, while Citizens Access™ pays $335 - an APY advantage for Capital One.
Calculate Savings Growth for Capital One vs Citizens Access™
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 OverviewCitizens Access™ - Citizens Access® 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 Citizens Access™'s total earnings.
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
Compare Capital One's vs Citizens Access™'s Savings Accounts
| Capital One | Citizens Access™ | ||
|---|---|---|---|
| Product | 360 Performance Savings | vs | Citizens Access® Savings |
| APY | 3.40% (as of 11/16/2025) | 3.35% (as of 11/16/2025) | |
| Bundled Account | No | No | |
| FDIC-insured | Yes | Yes | |
| Online Only | No | Yes | |
| Compound Frequency | Monthly | Daily | |
| Minimum Deposit | $0 | $0.01 | |
| Minimum Balance for APY | $0 | $0.01 | |
| Maintenance Fee | $0 | $0 | |
| Direct Deposit Required | No | No | |
| App Store Rating | 4.9/5 | 4.8/5 | |
| Google Play Rating | 4.5/5 | 4.8/5 | |
| BBB Rating | A+ | A+ |
Comparative Historical APY Insights (Last 10 Months)
| Capital One | Citizens Access™ | ||
|---|---|---|---|
| Product | 360 Performance Savings | vs | Citizens Access® Savings |
| Latest APY | 3.40 % | 3.35 % | |
| Trend | Sideways | Sideways | |
| Slope (bps/mo) | -3.7 | -3.6 | |
| Rate Changes / Mo | 0.41 | 0.20 | |
| Days Since Last Change | 46 | 17 | |
| High (-10 m) | 3.80 % | 3.70 % | |
| Low (-10 m) | 3.40 % | 3.35 % | |
| Draw-down from High | -10.5 % | -9.5 % | |
| Volatility (CV) | 0.031 | 0.034 |
APY Insights Glossary
- Latest APY
- Most recent advertised annual-percentage yield.
- Trend
- Direction over the last 10 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 (-10 m)
- Highest APY in the last 293 days.
- Low (-10 m)
- Lowest APY in the last 293 days.
- Draw-down from High
- How far today sits below the 10-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.