Citizens Access™ vs. Peak Bank
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
Peak Bank
Envision High Yield Savings
4.20%APYDec 6, 2025FDIC InsuredLow MinimumsGreat iOS AppGreat Android AppShow Fine Print & Trends Hide Details
Peak Bank
Envision High Yield Savings
Prefer In-Person Banking?
Both of these banks are online-only. If you need physical branch access, check out our list of high-yield accounts with brick-and-mortar locations.
Comparison Analysis
Comparing Citizens Access™ vs. Peak Bank
Why Citizens Access™?
No distinct advantages found vs Peak Bank.
Why Peak Bank?
- ✓Higher potential APY (4.20% vs 3.35%) on all balances
— Key Feature Differences —
Better Returns at $10,000
Peak BankPeak Bank's Envision High Yield Savings earns more on smaller deposits (approx. $420 vs $335/yr).
Better Returns at $25,000
Peak BankPeak Bank's Envision High Yield Savings pulls ahead with larger amounts (approx. $1050 vs $838/yr).
Best for Simplicity
Peak BankPeak Bank's Envision High Yield Savings offers 4.20% APY with no bundling, direct deposit requirement or caps.
Shared Benefits
Over a 1-year period, Peak Bank's Envision High Yield Savings pays $85 more interest on a $10,000 balance than Citizens Access™'s Citizens Access® Savings.
Executive Summary
Peak Bank offers a competitive Envision High Yield Savings account with an APY of 4.20%, making it the clear winner compared to Citizens Access™, which has a lower APY of 3.35%. Both banks feature online-only savings accounts with no maintenance fees, but Peak Bank requires a minimum deposit of $100, while Citizens Access™ has a minimal requirement of just $0.01. Notably, Peak Bank's account is highlighted for its simplicity, as it does not require direct deposit or bundling, providing better returns on larger deposits.
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 Peak Bank.
| Feature | Citizens Access™ | Peak Bank |
|---|---|---|
| APY | 3.35% Verified: 12/5/2025 ↘︎ 0.15%90d Change | 4.20% Verified: 12/6/2025 ↘︎ 0.15%90d Change |
| Product Name | Citizens Access® Savings | Envision High Yield Savings |
| Minimum Deposit | $0.01 | $100 |
| Min. Balance for APY | $0.01 | N/A |
| 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 | iOS4.8 Android4.6 |
| BBB Rating | A+ | A+ |
| Next Steps |
Savings Comparison
Peak Bank earns $545.5 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
Peak Bank
Envision High Yield Savings
Savings Breakdown
- Interest Earned+$2,564.30(12.5%)
- Total Contributions$13,000
- Initial Deposit$5,000
Projected Balance
$20,564.30
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™ | Peak Bank |
|---|---|---|
| Citizens Access® Savings | Envision High Yield Savings | |
Current APY | 3.35% | 4.20% |
Trend | Stable | Stable |
Velocity (bps/mo) | -4.1 | -3.7 |
Days Since Change | 37 | 66 |
10-Month High | 3.70% | 4.54% |
10-Month Low | 3.35% | 4.20% |
Adjustments / Mo | 0.20 | 0.41 |
Volatility Score | 0.037 | 0.028 |
How to read these metrics(Click to expand)
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