Citizens Access™ vs. Elevault
Compare rates, requirements, and features side-by-side to find the best option for you.
Citizens Access™
Citizens Access® Savings
3.35%APYDec 5, 2025FDIC InsuredNo MinimumsGreat iOS AppGreat Android AppShow Fine Print & Trends Hide Details
Citizens Access™
Citizens Access® Savings
Elevault
High Yield Savings Account
4.08%APYDec 6, 2025FDIC InsuredNo MinimumsShow Fine Print & Trends Hide Details
Elevault
High Yield Savings Account
Market Reality Check
Both of these banks offer rates below the current top tier. The best rates we track are currently above 4.25% APY.
Comparison Analysis
Comparing Citizens Access™ vs. Elevault
Why Citizens Access™?
- ✓Higher rated iOS app (4.8 vs 3.7)
- ✓Higher rated Android app (4.8 vs 3.9)
Why Elevault?
- ✓Higher potential APY (4.08% vs 3.35%) on all balances
— Key Feature Differences —
Better Returns at $10,000
ElevaultElevault's High Yield Savings Account earns more on smaller deposits (approx. $408 vs $335/yr).
Better Returns at $25,000
ElevaultElevault's High Yield Savings Account pulls ahead with larger amounts (approx. $1020 vs $838/yr).
Best for Simplicity
ElevaultElevault's High Yield Savings Account offers 4.08% APY with no bundling, direct deposit requirement or caps.
Best Mobile App Experience
Citizens Access™Citizens Access™ offers an iOS app rated 4.8 (vs. 3.7) and Android app rated 4.8 (vs. 3.9)
Shared Benefits
Over a 1-year period, Elevault's High Yield Savings Account pays $73 more interest on a $10,000 balance than Citizens Access™'s Citizens Access® Savings.
Executive Summary
Elevault offers the highest APY at 4.08% for its High Yield Savings Account, making it an attractive option for savers, especially with its simplicity and no direct deposit requirement. The account is online-only, with no maintenance fees and a daily deposit limit of $2,500. In comparison, Citizens Access™ provides a competitive 3.35% APY on its Citizens Access® Savings account, which also has no minimum balance or maintenance fees, but it falls short in terms of yield. Both banks are FDIC insured and cater to online customers.
Analysis generated based on current Banksparency database records
* AI-generated content provided for informational purposes only. Accuracy is not guaranteed; always verify details with the provider.
Top Market Contenders
See who beats both Citizens Access™ and Elevault.
| Feature | Citizens Access™ | Elevault |
|---|---|---|
| APY | 3.35% Verified: 12/5/2025 ↘︎ 0.15%90d Change | 4.08% Verified: 12/6/2025 ↘︎ 0.52%90d Change |
| Product Name | Citizens Access® Savings | High Yield Savings Account |
| Minimum Deposit | $0.01 | $0 |
| Min. Balance for APY | $0.01 | $0 |
| Monthly Fee | $0 | $0 |
| Branch Access | None | None |
| Account Type | Online Only | Online Only |
| Direct Deposit Req. | None | None |
| Checking Bundle | No | No |
| Mobile Apps | iOS4.8 Android4.8 | iOS3.7 Android3.9 |
| BBB Rating | A+ | A+ |
| Important Notes | - | The 4.08% APY is up to $250,000. Balances above that earn no interest. Daily deposit limit is $2,500. |
| Next Steps |
Savings Comparison
Elevault earns $467.6 more than Citizens Access™.
Citizens Access™
Citizens Access® Savings
Savings Breakdown
- Interest Earned+$2,018.80(10.1%)
- Total Contributions$13,000
- Initial Deposit$5,000
Projected Balance
$20,018.80
Elevault
High Yield Savings Account
Savings Breakdown
- Interest Earned+$2,486.40(12.1%)
- Total Contributions$13,000
- Initial Deposit$5,000
Projected Balance
$20,486.40
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
📈 Compare Savings Rates Over Time
Historical Performance
| Metric | Citizens Access™ | Elevault |
|---|---|---|
| Citizens Access® Savings | High Yield Savings Account | |
Current APY | 3.35% | 4.08% |
Trend | Stable | Stable |
Velocity (bps/mo) | -4.9 | -16.6 |
Days Since Change | 37 | 32 |
4-Month High | 3.50% | 4.60% |
4-Month Low | 3.35% | 4.08% |
Adjustments / Mo | 0.25 | 0.49 |
Volatility Score | 0.021 | 0.048 |
How to read these metrics(Click to expand)
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