Citizens Access™ vs. EverBank
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
EverBank
Performance Savings
4.05%APYDec 6, 2025FDIC InsuredNo MinimumsShow Fine Print & Trends Hide Details
EverBank
Performance Savings
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. EverBank
Why Citizens Access™?
- ✓Higher rated iOS app (4.8 vs 2.3)
- ✓Higher rated Android app (4.8 vs 1.4)
Why EverBank?
- ✓Higher potential APY (4.05% vs 3.35%) on all balances
- ✓Physical branch access (11 locations in Florida and California)
— Key Feature Differences —
Better Returns at $10,000
EverBankEverBank's Performance Savings earns more on smaller deposits (approx. $405 vs $335/yr).
Better Returns at $25,000
EverBankEverBank's Performance Savings pulls ahead with larger amounts (approx. $1013 vs $838/yr).
Best for Simplicity
EverBankEverBank's Performance Savings offers 4.05% 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. 2.3) and Android app rated 4.8 (vs. 1.4)
Shared Benefits
Over a 1-year period, EverBank's Performance Savings pays $70 more interest on a $10,000 balance than Citizens Access™'s Citizens Access® Savings.
Executive Summary
EverBank's Performance Savings leads with a competitive APY of 4.05%, making it a strong choice for savers looking for higher returns without any minimum deposit or balance requirements. This online-only account offers daily compounding and has no maintenance fees, making it straightforward for users. In comparison, Citizens Access™ provides a solid alternative with its Citizens Access® Savings account, which offers an APY of 3.35%. While both accounts do not require direct deposit and are online-only, EverBank's higher yield positions it as the more attractive option for savers.
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 EverBank.
| Feature | Citizens Access™ | EverBank |
|---|---|---|
| APY | 3.35% Verified: 12/5/2025 ↘︎ 0.15%90d Change | 4.05% Verified: 12/6/2025 ↘︎ 0.25%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 Android4.8 | iOS2.3 Android1.4 |
| BBB Rating | A+ | A+ |
| Next Steps |
Savings Comparison
EverBank earns $448.2 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
EverBank
Performance Savings
Savings Breakdown
- Interest Earned+$2,467.00(12.1%)
- Total Contributions$13,000
- Initial Deposit$5,000
Projected Balance
$20,467.00
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™ | EverBank |
|---|---|---|
| Citizens Access® Savings | Performance Savings | |
Current APY | 3.35% | 4.05% |
Trend | Stable | Stable |
Velocity (bps/mo) | -3.8 | -2.9 |
Days Since Change | 37 | 78 |
10-Month High | 3.70% | 4.30% |
10-Month Low | 3.35% | 4.05% |
Adjustments / Mo | 0.19 | 0.10 |
Volatility Score | 0.037 | 0.027 |
How to read these metrics(Click to expand)
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