Capital One vs. Citizens Access
High-Yield Savings Account Comparison
By Aviel Fahl|Last Updated: October 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 | 3.50% Citizens Access® Savings |
| Minimum to Open | $0 | $0.01 |
| Minimum Balance for Top APY | $0 | $0.01 |
Capital One
Strengths
- Capital One has over 200 branches across several states.
- Capital One's App Store rating is 4.9, higher than Citizens Access's.
- Capital One's 360 Performance Savings account offers a competitive APY of 3.40%.
Potential Drawbacks
- Capital One's APY decreased from 3.50% to 3.40% in the last 30 days.
- Capital One's Google Play rating is 4.5, lower than Citizens Access's.
Citizens Access™
Strengths
- Citizens Access offers a higher APY of 3.50% for its savings account.
- Citizens Access has a Google Play rating of 4.8, higher than Capital One's.
- Citizens Access's App Store rating is 4.8, close to Capital One's.
Potential Drawbacks
- Citizens Access has no physical branches, being online-only.
- Citizens Access requires a minimum deposit and balance of $0.01.
→ As of October 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 3.50% APY for its Citizens Access® Savings account, with a minimum balance of $0.01.
→ Citizens Access™ yields $10 more than Capital One on a $10,000 balance after one year. Capital One pays $340, while Citizens Access™ pays $350 - an APY advantage for Citizens Access™.
Calculate Savings Growth for Capital One vs Citizens Access™
Capital One
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™
Total savings breakdown:
- Interest earned: $2,114.1 (10.51%)
- Total contributions: $13,000 (64.63%)
- Initial deposit: $5,000 (24.86%)
Your total balance
$20,114.10
Total balance: $20,114.1
Earnings: $2,114.1
Bank OverviewWith a $5,000 initial deposit and $13,000 in total contributions over 5 years, Capital One's total earnings would be $63.6 lower 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 10/16/2025) | 3.50% (as of 10/16/2025) | |
| 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 9 Months)
| Capital One | Citizens Access™ | ||
|---|---|---|---|
| Product | 360 Performance Savings | vs | Citizens Access® Savings |
| Latest APY | 3.40 % | 3.50 % | |
| Trend | Sideways | Sideways | |
| Slope (bps/mo) | -3.7 | -2.9 | |
| Rate Changes / Mo | 0.46 | 0.11 | |
| Days Since Last Change | 15 | 78 | |
| High (-9 m) | 3.80 % | 3.70 % | |
| Low (-9 m) | 3.40 % | 3.50 % | |
| Draw-down from High | -10.5 % | -5.4 % | |
| Volatility (CV) | 0.027 | 0.025 |
APY Insights Glossary
- Latest APY
- Most recent advertised annual-percentage yield.
- Trend
- Direction over the last 9 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 (-9 m)
- Highest APY in the last 262 days.
- Low (-9 m)
- Lowest APY in the last 262 days.
- Draw-down from High
- How far today sits below the 9-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.