Citibank vs. Presidential Bank
High-Yield Savings Account Comparison
By Aviel Fahl|Last Updated: November 12, 2025
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Summary of Citibank vs. Presidential Bank
Key Metrics at a Glance
| Feature | Citibank | Presidential Bank |
|---|---|---|
| Top Savings APY | 3.35% Citi Accelerate Savings | 4.25% Advantage Savings |
| Minimum to Open | $0 | $5,000 |
| Minimum Balance for Top APY | $0.01 | N/A |
Citibank
Strengths
- Citi Accelerate Savings has a current APY of 3.35%, slightly down from 3.40% last month.
- Citibank has a high App Store rating of 4.9.
Potential Drawbacks
- Citibank's BBB rating is D- and it is not BBB Accredited.
- Citi Accelerate Savings has a maintenance fee of $4.50 unless balance conditions are met.
Presidential Bank
Strengths
- Advantage Savings offers a competitive APY of 4.25%, though down from 4.50% last month.
- No maintenance fees for the Advantage Savings account.
Potential Drawbacks
- To earn the higher APY, a $500 monthly direct deposit into an Advantage Checking Account is required.
- Presidential Bank has a lower Google Play rating of 4.1.
→ 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 Presidential Bank's 4.25% APY for its Advantage Savings account, with a minimum balance of N/A.
→ Presidential Bank yields $90 more than Citibank on a $10,000 balance after one year. Citibank pays $335, while Presidential Bank pays $425 - an APY advantage for Presidential Bank.
→ In addition, Citibank also offers 0.03% APY for the Citi® Savings Account account.
Calculate Savings Growth for Citibank vs Presidential Bank
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 OverviewPresidential Bank - Advantage Savings
Total savings breakdown:
- Interest earned: $2,596.8 (12.61%)
- Total contributions: $13,000 (63.12%)
- Initial deposit: $5,000 (24.28%)
Your total balance
$20,596.80
Total balance: $20,596.8
Earnings: $2,596.8
Bank OverviewWith a $5,000 initial deposit and $13,000 in total contributions over 5 years, Citibank's total earnings would be $578 lower than Presidential Bank's total earnings.
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
Compare Citibank's vs Presidential Bank's Savings Accounts
| Citibank | Presidential Bank | |||
|---|---|---|---|---|
| Product | Citi Accelerate Savings | Citi® Savings Account | vs | Advantage Savings |
| APY | 3.35% (as of 11/12/2025) | 0.03% (as of 11/12/2025) | 3.75% - 4.25% (as of 11/12/2025) | |
| Bundled Account | No | No | Yes | |
| FDIC-insured | Yes | Yes | Yes | |
| Online Only | Yes | No | No | |
| Compound Frequency | Daily | Daily | Monthly | |
| Minimum Deposit | $0 | $0 | $5,000 | |
| Minimum Balance for APY | $0.01 | $0.01 | N/A | |
| Maintenance Fee | $4.50. Waived for average monthly balances > $500 | $4.50. Waived for average monthly balances > $500 | $0 | |
| Direct Deposit Required | No | No | Yes. To earn the higher APY you need a monthly direct deposit into an Advantage Checking Account of $500. | |
| 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 | 4.8/5 | ||
| Google Play Rating | 4.8/5 | 4.1/5 | ||
| BBB Rating | D- | A- | ||
Comparative Historical APY Insights (Last 9 Months)
| Citibank | Presidential Bank | |||
|---|---|---|---|---|
| Product | Citi® Savings Account | Citi Accelerate Savings | vs | Advantage Savings |
| Latest APY | 0.03 % | 3.35 % | 4.25 % | |
| Trend | Sideways | Sideways | Sideways | |
| Slope (bps/mo) | 0.0 | -4.8 | -0.5 | |
| Rate Changes / Mo | 0.00 | 0.52 | 0.10 | |
| Days Since Last Change | 289 | 9 | 7 | |
| High (-9 m) | 0.03 % | 3.80 % | 4.50 % | |
| Low (-9 m) | 0.03 % | 3.35 % | 4.25 % | |
| Draw-down from High | 0.0 % | -11.8 % | -5.6 % | |
| Volatility (CV) | 0.000 | 0.039 | 0.010 | |
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 289 days.
- Low (-9 m)
- Lowest APY in the last 289 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.