Citizens Access™ vs. EverBank
Compare rates, requirements, and features side-by-side to find the best option for you.
| Metric | Citizens Access™Citizens Access® Savings Jan 21, 2026 | EverBankPerformance Savings Jan 21, 2026 |
|---|---|---|
| APY | 3.15% | 3.90% |
Est. Earnings | $5,000+$158 $10,000+$315 $25,000+$788 | $5,000+$195 $10,000+$390 $25,000+$975 |
Min Deposit | $0.01 | $0 |
Snapshot view. Rates subject to change. | ||
| Features | FDIC InsuredNo MinimumsGreat iOS AppGreat Android App | FDIC InsuredNo MinimumsGreat iOS AppGreat Android AppZelle® Supported |
Market Reality Check
Both of these banks offer rates below the current top tier. The best rates we track are currently above 4.20% APY.
Comparison Analysis
Comparing Citizens Access™ vs. EverBank
As of Citizens Access™ offers an APY of 3.15% for its Citizens Access® Savings account, with a minimum balance of $0.01, compared to EverBank's 3.90% APY for its Performance Savings account, with a minimum balance of $0.
EverBank pays $75 more than Citizens Access™ on a $10,000 balance after one year. Citizens Access™ pays $315, while EverBank pays $390 - an APY advantage for EverBank.
Why Citizens Access™?
No distinct advantages found vs EverBank.
Why EverBank?
- ✓Higher potential APY (3.90% vs 3.15%) on all balances
- ✓Physical branch access (11 locations in Florida and California)
- ✓Fast transfers via Zelle®
— Key Feature Differences —
Better Returns at $10,000
EverBankEverBank's Performance Savings earns more on smaller deposits (approx. $390 vs $315/yr).
Better Returns at $25,000
EverBankEverBank's Performance Savings pulls ahead with larger amounts (approx. $975 vs $788/yr).
Best for Simplicity
EverBankEverBank's Performance Savings offers 3.90% APY with no bundling, direct deposit requirement or caps.
Shared Benefits
Over a 1-year period, EverBank's Performance Savings pays $75 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
EverBank offers a Performance Savings account with a competitive APY of 3.90%, making it the winner in this comparison. This account has no minimum deposit or balance requirements, and it does not require direct deposit, providing simplicity for users. Citizens Access™ features a Citizens Access® Savings account with a lower APY of 3.15%, also with no minimum deposit or balance requirements and no maintenance fees. Both banks operate online only and are FDIC insured, but EverBank's higher APY makes it a more attractive option for savers.
The analysis is based on current Banksparency database records
* This content is provided for informational purposes only; always verify details with the provider.
Non-sponsored link to official site
Non-sponsored link to official site
Top Market Contenders
Citizens Access™ vs. EverBank Savings Calculator
You earn $75 more with EverBank 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.
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
EverBank
Performance Savings
Savings Breakdown
- Interest Earned+$390.00(3.8%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,390.00
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
| Feature | Citizens Access™ | EverBank |
|---|---|---|
| APY | 3.15% Verified: 1/21/2026 ↘︎ 0.35%90d Change | 3.90% Verified: 1/21/2026 ↘︎ 0.15%90d Change |
| Product Name | Citizens Access® Savings | Performance Savings |
| 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 Android4.9 | iOS4.7 Android4.8 |
| Zelle® Support | Not Supported | Available Native integration verified. |
| BBB Rating | A+ | A+ |
| Next Steps | Visit SiteVerify at Citizens Access™ Non-sponsored link to official site | Visit SiteVerify at EverBank Non-sponsored link to official site |
📈 Compare Savings Rates Over Time
Historical Performance
| Metric | Citizens Access™ | EverBank |
|---|---|---|
| Citizens Access® Savings | Performance Savings | |
Current APY | 3.15% | 3.90% |
Trend | Stable | Stable |
Velocity (bps/mo) | -5.0 | -3.7 |
Days Since Change | 42 | 33 |
12-Month High | 3.70% | 4.30% |
12-Month Low | 3.15% | 3.90% |
Adjustments / Mo | 0.25 | 0.17 |
Volatility Score | 0.055 | 0.036 |
How to read these metrics(Click to expand)
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