Citizens Access™ vs. MutualOne Bank
Compare rates, requirements, and features side-by-side to find the best option for you.
| Metric | Citizens Access™Citizens Access® Savings Jan 6, 2026 | MutualOne BankMo Premium Savings Jan 7, 2026 |
|---|---|---|
| APY | 3.15% | 4.07% |
Est. Earnings | $5,000+$158 $10,000+$315 $25,000+$788 | $5,000+$0 $10,000+$0 $25,000+$1,018 |
Min Deposit | $0.01 | $20,000 |
Snapshot view. Rates subject to change. | ||
| Features | FDIC InsuredNo MinimumsGreat iOS AppGreat Android App | FDIC InsuredHigh MinimumGreat iOS AppGreat Android AppIn-Person AccessZelle® Supported |
Market Reality Check
Both of these banks offer rates below the current top tier. The best rates we track are currently above 4.21% APY.
Comparison Analysis
Comparing Citizens Access™ vs. MutualOne Bank
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 MutualOne Bank's 4.07% APY for its Mo Premium Savings account, with a minimum balance of $20,000.
MutualOne Bank pays $92 more than Citizens Access™ on a $10,000 balance after one year. Citizens Access™ pays $315, while MutualOne Bank pays $407 - an APY advantage for MutualOne Bank.
In addition, MutualOne Bank also offers 0.40% APY for the Online Savings account, with a minimum balance of 0.
Why Citizens Access™?
- ✓Higher rated Android app (4.9 vs 4.4)
Why MutualOne Bank?
- ✓Higher potential APY (4.07% vs 3.15%)
- ✓Physical branch access (Full-service banking offices in Framingham, MA, and Natick, MA)
- ✓Fast transfers via Zelle®
— Key Feature Differences —
Better Returns at $10,000
Citizens Access™Citizens Access™'s Citizens Access® Savings earns more on smaller deposits (approx. $315 vs $0/yr).
Better Returns at $25,000
MutualOne BankMutualOne Bank's Mo Premium Savings pulls ahead with larger amounts (approx. $1018 vs $788/yr).
Best for Simplicity
MutualOne BankMutualOne Bank's Mo Premium Savings offers 4.07% APY with no bundling, direct deposit requirement or caps.
Shared Benefits
Over a 1-year period, MutualOne Bank's Mo Premium Savings pays $92 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
MutualOne Bank's Mo Premium Savings stands out with a competitive APY of 4.07%, significantly higher than Citizens Access™'s Citizens Access® Savings, which offers 3.15%. While the Mo Premium Savings requires a minimum deposit of $20,000, it provides better returns for larger deposits, making it ideal for those who can meet this threshold. Citizens Access™ does not have a minimum deposit requirement, making it accessible for smaller savers, but its yield is lower. Both accounts have no maintenance fees and are FDIC insured, with Citizens Access™ being online-only, while MutualOne Bank offers both online and physical access.
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. MutualOne Bank Savings Calculator
You earn $184 more with MutualOne Bank than Citizens Access™ on a $20,000 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+$630.00(3.1%)
- Total Contributions$0
- Initial Deposit$20,000
Projected Balance
$20,630.00
MutualOne Bank
Mo Premium Savings
Savings Breakdown
- Interest Earned+$814.00(3.9%)
- Total Contributions$0
- Initial Deposit$20,000
Projected Balance
$20,814.00
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
| Feature | Citizens Access™ | MutualOne Bank |
|---|---|---|
| APY | 3.15% Verified: 1/6/2026 ↘︎ 0.35%90d Change | 4.07% Verified: 1/7/2026 Stable (90d) |
| Product Name | Citizens Access® Savings | Mo Premium Savings |
| Minimum Deposit | $0.01 | $20,000 |
| Min. Balance for APY | $0.01 | $20,000 |
| Monthly Fee | $0 | $0 |
| Branch Access | None | Yes |
| Account Type | Online Only | Online & Branches |
| Direct Deposit Req. | None | None |
| Checking Bundle | No | No |
| Mobile Apps | iOS4.8 Android4.9 | iOS4.9 Android4.4 |
| Zelle® Support | Not Supported | Available Verified via website and app descriptions. |
| BBB Rating | A+ | A+ |
| Next Steps | Visit SiteVerify at Citizens Access™ Non-sponsored link to official site | Visit SiteVerify at MutualOne Bank Non-sponsored link to official site |
📈 Compare Savings Rates Over Time
Historical Performance
| Metric | Citizens Access™ | MutualOne Bank | |
|---|---|---|---|
| Citizens Access® Savings | Online Savings | Mo Premium Savings | |
Current APY | 3.15% | 0.40% | 4.07% |
Trend | Stable | Stable | Stable |
Velocity (bps/mo) | -11.7 | 0.0 | -0.0 |
Days Since Change | 28 | 114 | 114 |
4-Month High | 3.50% | 0.40% | 4.07% |
4-Month Low | 3.15% | 0.40% | 4.07% |
Adjustments / Mo | 0.51 | 0.00 | 0.00 |
Volatility Score | 0.041 | 0.000 | 0.000 |
How to read these metrics(Click to expand)
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