Citibank vs. Citizens Access™
Compare rates, requirements, and features side-by-side to find the best option for you.
| Metric | CitibankCiti Accelerate Savings Jan 7, 2026 | Citizens Access™Citizens Access® Savings Jan 6, 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. | ||
Terms | Eligibility restricted to select states. | - |
| Features | FDIC InsuredNo MinimumsGreat iOS AppGreat Android AppZelle® 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 4.21% APY.
Comparison Analysis
Comparing Citibank vs. Citizens Access™
As of Citibank offers an APY of 3.30% for its Citi Accelerate Savings account, with a minimum balance of $0.01, compared to Citizens Access™'s 3.15% APY for its Citizens Access® Savings account, with a minimum balance of $0.01.
Citibank pays $15 more than Citizens Access™ on a $10,000 balance after one year. Citibank pays $330, while Citizens Access™ pays $315 - an APY advantage for Citibank.
In addition, Citibank also offers 0.03% APY for the Citi® Savings Account account, with a minimum balance of $0.01.
Why Citibank?
- ✓Higher potential APY (3.30% vs 3.15%) on all balances
- ✓Physical branch access (U.S. branches are concentrated in six metropolitan areas, New York City, Chicago, Los Angeles, San Francisco, Washington, D.C., and Miami.)
- ✓Fast transfers via Zelle® (up to $2,500 a day)
Why Citizens Access™?
- ✓Available Nationwide
— Key Feature Differences —
Better Returns at $10,000
CitibankCitibank's Citi Accelerate Savings earns more on smaller deposits (approx. $330 vs $315/yr).
Better Returns at $25,000
CitibankCitibank's Citi Accelerate Savings pulls ahead with larger amounts (approx. $825 vs $788/yr).
Shared Benefits
Over a 1-year period, Citibank's Citi Accelerate 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
Citibank's Citi Accelerate Savings leads with a competitive APY of 3.30%, making it the top choice for savers looking for higher returns. This online-only account has no minimum deposit requirement and a maintenance fee of $4.50, which can be waived with an average monthly balance over $500. Eligibility is restricted to select states. In comparison, Citizens Access™ offers a slightly lower APY of 3.15% on its Citizens Access® Savings account, which also has no maintenance fees and a minimum deposit of just $0.01. Both accounts compound interest daily, but Citibank's offering provides better returns overall.
The analysis is based on current Banksparency database records
* This content is provided for informational purposes only; always verify details with the provider.
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Top Market Contenders
Citibank vs. Citizens Access™ Savings Calculator
You earn $15 more with Citibank 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.
Citibank
Citi Accelerate 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 | Citibank | Citizens Access™ |
|---|---|---|
| APY | 3.30% Verified: 1/7/2026 ↘︎ 0.10%90d Change | 3.15% Verified: 1/6/2026 ↘︎ 0.35%90d Change |
| Product Name | Citi Accelerate Savings | Citizens Access® Savings |
| Minimum Deposit | $0 | $0.01 |
| Min. Balance for APY | $0.01 | $0.01 |
| Monthly Fee | $4.50. Waived for average monthly balances > $500 | $0 |
| Branch Access | None | None |
| Account Type | Online Only | Online Only |
| Direct Deposit Req. | None | None |
| Checking Bundle | No | No |
| Mobile Apps | iOS4.9 Android4.8 | iOS4.8 Android4.9 |
| Zelle® Support | Available Limit: $2,500/dayTiered limits based on account status (Citigold higher). | Not Supported |
| BBB Rating | D- | A+ |
| Important Notes | Eligibility restricted to select states. | - |
| Next Steps | Visit SiteVerify at Citibank 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 | Citibank | Citizens Access™ | |
|---|---|---|---|
| Citi® Savings Account | Citi Accelerate Savings | Citizens Access® Savings | |
Current APY | 0.03% | 3.30% | 3.15% |
Trend | Stable | Stable | Stable |
Velocity (bps/mo) | 0.0 | -4.8 | -4.8 |
Days Since Change | 343 | 50 | 28 |
11-Month High | 0.03% | 3.80% | 3.70% |
11-Month Low | 0.03% | 3.30% | 3.15% |
Adjustments / Mo | 0.00 | 0.52 | 0.26 |
Volatility Score | 0.000 | 0.047 | 0.052 |
How to read these metrics(Click to expand)
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