Citizens Access vs. Fnbo Direct
High-Yield Savings Account Comparison
By Aviel Fahl|Last Updated: October 16, 2025
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Summary of Citizens Access™ vs. FNBO Direct
Key Metrics at a Glance
| Feature | Citizens Access™ | FNBO Direct |
|---|---|---|
| Top Savings APY | 3.50% Citizens Access® Savings | 3.00% High-Yield Online Savings Account |
| Minimum to Open | $0.01 | $1 |
| Minimum Balance for Top APY | $0.01 | $0.01 |
Citizens Access™
Strengths
- Citizens Access™ offers a higher APY of 3.50% compared to FNBO Direct's 3.00%.
- Citizens Access™ has an excellent BBB rating of A+.
- Citizens Access™ has a higher App Store rating of 4.8 compared to FNBO Direct's 4.5.
Potential Drawbacks
- Citizens Access™ has no physical branches.
- Citizens Access™ does not have a direct deposit requirement.
FNBO Direct
Strengths
- FNBO Direct's APY increased from 3.25% to 3.00% in the last 30 days.
- FNBO Direct has a Google Play rating of 4.8, equal to Citizens Access™.
Potential Drawbacks
- FNBO Direct has a lower APY of 3.00% compared to Citizens Access™.
- FNBO Direct is not rated by the BBB.
→ As of October 16, 2025 Citizens Access™ offers an APY of 3.50% for its Citizens Access® Savings account, with a minimum balance of $0.01, compared to FNBO Direct's 3.00% APY for its High-Yield Online Savings Account, with a minimum balance of $0.01.
→ Citizens Access™ yields $50 more than FNBO Direct on a $10,000 balance after one year. Citizens Access™ pays $350, while FNBO Direct pays $300 - an APY advantage for Citizens Access™.
Calculate Savings Growth for Citizens Access™ vs FNBO Direct
Citizens Access™
Total savings breakdown:
- Interest earned: $2,114.1 (10.51%)
- Total contributions: $13,000 (64.63%)
- Initial deposit: $5,000 (24.86%)
Your total balance
$20,114.10
Total balance: $20,114.1
Earnings: $2,114.1
Bank OverviewFNBO Direct
Total savings breakdown:
- Interest earned: $1,798.2 (9.08%)
- Total contributions: $13,000 (65.66%)
- Initial deposit: $5,000 (25.25%)
Your total balance
$19,798.20
Total balance: $19,798.2
Earnings: $1,798.2
Bank OverviewWith a $5,000 initial deposit and $13,000 in total contributions over 5 years, Citizens Access™'s total earnings would be $315.9 higher than FNBO Direct's total earnings.
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
Compare Citizens Access™'s vs FNBO Direct's Savings Accounts
| Citizens Access™ | FNBO Direct | ||
|---|---|---|---|
| Product | Citizens Access® Savings | vs | High-Yield Online Savings Account |
| APY | 3.50% (as of 10/16/2025) | 3.00% (as of 10/16/2025) | |
| Bundled Account | No | No | |
| FDIC-insured | Yes | Yes | |
| Online Only | Yes | No | |
| Compound Frequency | Daily | Monthly | |
| Minimum Deposit | $0.01 | $1 | |
| Minimum Balance for APY | $0.01 | $0.01 | |
| Maintenance Fee | $0 | $0 | |
| Direct Deposit Required | No | No | |
| App Store Rating | 4.8/5 | 4.5/5 | |
| Google Play Rating | 4.8/5 | 4.8/5 | |
| BBB Rating | A+ | Not Rated |
Comparative Historical APY Insights (Last 3 Months)
| Citizens Access™ | FNBO Direct | ||
|---|---|---|---|
| Product | Citizens Access® Savings | vs | High-Yield Online Savings Account |
| Latest APY | 3.50 % | 3.00 % | |
| Trend | Sideways | Falling | |
| Slope (bps/mo) | -2.1 | -7.7 | |
| Rate Changes / Mo | 0.36 | 0.36 | |
| Days Since Last Change | 78 | 13 | |
| High (-3 m) | 3.70 % | 3.25 % | |
| Low (-3 m) | 3.50 % | 3.00 % | |
| Draw-down from High | -5.4 % | -7.7 % | |
| Volatility (CV) | 0.013 | 0.029 |
APY Insights Glossary
- Latest APY
- Most recent advertised annual-percentage yield.
- Trend
- Direction over the last 3 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 (-3 m)
- Highest APY in the last 84 days.
- Low (-3 m)
- Lowest APY in the last 84 days.
- Draw-down from High
- How far today sits below the 3-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.