Citibank vs. Fnbo Direct
High-Yield Savings Account Comparison
By Aviel Fahl|Last Updated: November 12, 2025
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Summary of Citibank vs. FNBO Direct
Key Metrics at a Glance
| Feature | Citibank | FNBO Direct |
|---|---|---|
| Top Savings APY | 3.35% Citi Accelerate Savings | 3.00% High-Yield Online Savings Account |
| Minimum to Open | $0 | $1 |
| Minimum Balance for Top APY | $0.01 | $0.01 |
Citibank
Strengths
- Citi Accelerate Savings offers a competitive APY of 3.35%, higher than FNBO Direct's 3.00%.
- Citibank has a high App Store rating of 4.9.
- Citibank's branches are available in six major U.S. metropolitan areas.
Potential Drawbacks
- Citibank has a low BBB rating of D- and is not BBB accredited.
- Citi Accelerate Savings has a maintenance fee of $4.50 unless a balance of $500 is maintained.
- Citibank's APY decreased from 3.40% over the past 30 days.
FNBO Direct
Strengths
- FNBO Direct has no maintenance fees for its savings account.
- FNBO Direct's Google Play rating is 4.8, indicating strong user satisfaction.
- FNBO Direct has no direct deposit requirement for its savings account.
Potential Drawbacks
- FNBO Direct's APY is lower at 3.00% compared to Citibank's 3.35%.
- FNBO Direct has no physical branches, limiting in-person access.
- FNBO Direct's App Store rating is lower at 4.5 compared to Citibank's.
→ As of November 12, 2025 Citibank offers an APY of 3.35% for its Citi Accelerate Savings account, with a minimum balance of $0.01, compared to FNBO Direct's 3.00% APY for its High-Yield Online Savings Account, with a minimum balance of $0.01.
→ Citibank yields $35 more than FNBO Direct on a $10,000 balance after one year. Citibank pays $335, while FNBO Direct pays $300 - an APY advantage for Citibank.
→ In addition, Citibank also offers 0.03% APY for the Citi® Savings Account account.
Calculate Savings Growth for Citibank vs FNBO Direct
Citibank - Citi Accelerate 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 OverviewFNBO Direct - High-Yield Online Savings Account
Total savings breakdown:
- Interest earned: $1,798.2 (9.08%)
- Total contributions: $13,000 (65.66%)
- Initial deposit: $5,000 (25.25%)
Your total balance
$19,798.20
Total balance: $19,798.2
Earnings: $1,798.2
Bank OverviewWith a $5,000 initial deposit and $13,000 in total contributions over 5 years, Citibank's total earnings would be $220.6 higher than FNBO Direct's total earnings.
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
Compare Citibank's vs FNBO Direct's Savings Accounts
| Citibank | FNBO Direct | |||
|---|---|---|---|---|
| Product | Citi Accelerate Savings | Citi® Savings Account | vs | High-Yield Online Savings Account |
| APY | 3.35% (as of 11/12/2025) | 0.03% (as of 11/12/2025) | 3.00% (as of 11/12/2025) | |
| Bundled Account | No | No | No | |
| FDIC-insured | Yes | Yes | Yes | |
| Online Only | Yes | No | No | |
| Compound Frequency | Daily | Daily | Monthly | |
| Minimum Deposit | $0 | $0 | $1 | |
| Minimum Balance for APY | $0.01 | $0.01 | $0.01 | |
| Maintenance Fee | $4.50. Waived for average monthly balances > $500 | $4.50. Waived for average monthly balances > $500 | $0 | |
| Direct Deposit Required | No | No | No | |
| Eligibility | Alaska, Alabama, Arkansas, Arizona, Colorado, Delaware, Florida (select parts), Georgia, Hawaii, Iowa, Idaho, Illinois (select parts), Indiana, Kansas, Kentucky, Louisiana, Maine, Michigan, Minnesota, Missouri, Mississippi, Montana, North Carolina, North Dakota, Nebraska, New Hampshire, New Mexico, Ohio, Oklahoma, Oregon, Pennsylvania, Rhode Island, South Carolina, South Dakota, Tennessee, Texas, Utah, Virginia (partial), Washington (partial), Wisconsin, West Virginia, Wyoming. | California, Connecticut, Maryland, Nevada, New Jersey, New York, Virginia (partial), Washington D.C., and select parts of Florida and Illinois. In addition, promotional rates may be available if requirements are met. | United States | |
| App Store Rating | 4.9/5 | 4.5/5 | ||
| Google Play Rating | 4.8/5 | 4.8/5 | ||
| BBB Rating | D- | Not Rated | ||
Comparative Historical APY Insights (Last 4 Months)
| Citibank | FNBO Direct | |||
|---|---|---|---|---|
| Product | Citi® Savings Account | Citi Accelerate Savings | vs | High-Yield Online Savings Account |
| Latest APY | 0.03 % | 3.35 % | 3.00 % | |
| Trend | Sideways | Sideways | Falling | |
| Slope (bps/mo) | -0.0 | -4.6 | -9.6 | |
| Rate Changes / Mo | 0.00 | 0.54 | 0.27 | |
| Days Since Last Change | 111 | 9 | 41 | |
| High (-4 m) | 0.03 % | 3.50 % | 3.25 % | |
| Low (-4 m) | 0.03 % | 3.35 % | 3.00 % | |
| Draw-down from High | 0.0 % | -4.3 % | -7.7 % | |
| Volatility (CV) | 0.000 | 0.016 | 0.039 | |
APY Insights Glossary
- Latest APY
- Most recent advertised annual-percentage yield.
- Trend
- Direction over the last 4 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 (-4 m)
- Highest APY in the last 111 days.
- Low (-4 m)
- Lowest APY in the last 111 days.
- Draw-down from High
- How far today sits below the 4-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.