Citizens Access vs. Ivy Bank
High-Yield Savings Account Comparison
By Aviel Fahl|Last Updated: November 12, 2025
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Summary of Citizens Access™ vs. Ivy Bank
Key Metrics at a Glance
| Feature | Citizens Access™ | Ivy Bank |
|---|---|---|
| Top Savings APY | 3.35% Citizens Access® Savings | 4.25% High-Yield Savings Account |
| Minimum to Open | $0.01 | $2,500 |
| Minimum Balance for Top APY | $0.01 | $2,500 |
Citizens Access™
Strengths
- Citizens Access™ has a solid A+ BBB rating.
- No maintenance fees for the Citizens Access® Savings account.
- Citizens Access™ offers a high App Store rating of 4.8.
Potential Drawbacks
- Current APY of 3.35% is down from 3.50% in the last 30 days.
- Citizens Access™ requires a minimum deposit of $0.01.
Ivy Bank
Strengths
- Ivy Bank offers a higher current APY of 4.25%.
- No maintenance fees for the High-Yield Savings Account.
- Ivy Bank has a minimum deposit requirement of $2,500.
Potential Drawbacks
- Ivy Bank has a lower BBB rating of A- and is not BBB Accredited.
- Google Play rating for Ivy Bank is only 3.5.
→ As of November 12, 2025 Citizens Access™ offers an APY of 3.35% for its Citizens Access® Savings account, with a minimum balance of $0.01, compared to Ivy Bank's 4.25% APY for its High-Yield Savings Account, with a minimum balance of $2,500.
→ Ivy Bank yields $90 more than Citizens Access™ on a $10,000 balance after one year. Citizens Access™ pays $335, while Ivy Bank pays $425 - an APY advantage for Ivy Bank.
Calculate Savings Growth for Citizens Access™ vs Ivy Bank
Citizens Access™ - Citizens Access® 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 OverviewIvy Bank - High-Yield Savings Account
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, Citizens Access™'s total earnings would be $578 lower than Ivy Bank's total earnings.
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
Compare Citizens Access™'s vs Ivy Bank's Savings Accounts
| Citizens Access™ | Ivy Bank | ||
|---|---|---|---|
| Product | Citizens Access® Savings | vs | High-Yield Savings Account |
| APY | 3.35% (as of 11/12/2025) | 0.05% - 4.25% (as of 11/12/2025) | |
| Bundled Account | No | No | |
| FDIC-insured | Yes | Yes | |
| Online Only | Yes | Yes | |
| Compound Frequency | Daily | Daily | |
| Minimum Deposit | $0.01 | $2,500 | |
| Minimum Balance for APY | $0.01 | $2,500 | |
| Maintenance Fee | $0 | $0 | |
| Direct Deposit Required | No | No | |
| Eligibility | United States | Residents of California and U.S. Territories (except District of Columbia) are ineligible to apply. | |
| App Store Rating | 4.8/5 | 4.7/5 | |
| Google Play Rating | 4.8/5 | 3.5/5 | |
| BBB Rating | A+ | A- |
No historical data available.