Citibank vs. Fvcbank
High-Yield Savings Account Comparison
By Aviel Fahl|Last Updated: November 12, 2025
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Summary of Citibank vs. FVCbank
Key Metrics at a Glance
| Feature | Citibank | FVCbank |
|---|---|---|
| Top Savings APY | 3.35% Citi Accelerate Savings | 3.85% Advantage Direct Savings |
| Minimum to Open | $0 | $500 |
| Minimum Balance for Top APY | $0.01 | $500 |
Citibank
Strengths
- Citi Accelerate Savings has no minimum deposit requirement.
- Citi Accelerate Savings offers a competitive APY of 3.35%, slightly down from 3.40% last month.
- Citi Accelerate Savings has a high App Store rating of 4.9.
Potential Drawbacks
- Citi Accelerate Savings has a low BBB rating of D- and is not accredited.
- Citi Accelerate Savings charges a $4.50 maintenance fee unless a $500 balance is maintained.
- Citi Accelerate Savings has a lower APY compared to FVCbank.
FVCbank
Strengths
- Advantage Direct Savings offers a higher APY of 3.85%, down from 4.10% last month.
- FVCbank has an excellent BBB rating of A+.
- Advantage Direct Savings has no maintenance fees.
Potential Drawbacks
- Advantage Direct Savings requires a minimum deposit and balance of $500.
- FVCbank has a lower App Store rating of 4.4 compared to Citibank.
- FVCbank has a lower Google Play rating of 3.6.
→ 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 FVCbank's 3.85% APY for its Advantage Direct Savings account, with a minimum balance of $500.
→ FVCbank yields $50 more than Citibank on a $10,000 balance after one year. Citibank pays $335, while FVCbank pays $385 - an APY advantage for FVCbank.
→ In addition, Citibank also offers 0.03% APY for the Citi® Savings Account account.
Calculate Savings Growth for Citibank vs FVCbank
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 OverviewFVCbank - Advantage Direct Savings
Total savings breakdown:
- Interest earned: $2,338 (11.50%)
- Total contributions: $13,000 (63.92%)
- Initial deposit: $5,000 (24.58%)
Your total balance
$20,338.00
Total balance: $20,338
Earnings: $2,338
Bank OverviewWith a $5,000 initial deposit and $13,000 in total contributions over 5 years, Citibank's total earnings would be $319.2 lower than FVCbank's total earnings.
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
Compare Citibank's vs FVCbank's Savings Accounts
| Citibank | FVCbank | |||
|---|---|---|---|---|
| Product | Citi Accelerate Savings | Citi® Savings Account | vs | Advantage Direct Savings |
| APY | 3.35% (as of 11/12/2025) | 0.03% (as of 11/12/2025) | 3.85% (as of 11/12/2025) | |
| Bundled Account | No | No | No | |
| FDIC-insured | Yes | Yes | Yes | |
| Online Only | Yes | No | Yes | |
| Compound Frequency | Daily | Daily | N/A | |
| Minimum Deposit | $0 | $0 | $500 | |
| Minimum Balance for APY | $0.01 | $0.01 | $500 | |
| 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 | 4.4/5 | ||
| Google Play Rating | 4.8/5 | 3.6/5 | ||
| BBB Rating | D- | A+ | ||
Comparative Historical APY Insights (Last 8 Months)
| Citibank | FVCbank | |||
|---|---|---|---|---|
| Product | Citi® Savings Account | Citi Accelerate Savings | vs | Advantage Direct Savings |
| Latest APY | 0.03 % | 3.35 % | 3.85 % | |
| Trend | Sideways | Sideways | Falling | |
| Slope (bps/mo) | 0.0 | -4.6 | -7.1 | |
| Rate Changes / Mo | 0.00 | 0.50 | 1.00 | |
| Days Since Last Change | 239 | 9 | 12 | |
| High (-8 m) | 0.03 % | 3.70 % | 4.55 % | |
| Low (-8 m) | 0.03 % | 3.35 % | 3.85 % | |
| Draw-down from High | 0.0 % | -9.5 % | -15.4 % | |
| Volatility (CV) | 0.000 | 0.032 | 0.044 | |
APY Insights Glossary
- Latest APY
- Most recent advertised annual-percentage yield.
- Trend
- Direction over the last 8 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 (-8 m)
- Highest APY in the last 239 days.
- Low (-8 m)
- Lowest APY in the last 239 days.
- Draw-down from High
- How far today sits below the 8-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.