Citizens Access vs. Salem Five Direct
High-Yield Savings Account Comparison
By Aviel Fahl|Last Updated: November 14, 2025
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Summary of Citizens Access™ vs. Salem Five Direct
Key Metrics at a Glance
| Feature | Citizens Access™ | Salem Five Direct |
|---|---|---|
| Top Savings APY | 3.35% Citizens Access® Savings | 3.71% eOne Savings |
| Minimum to Open | $0.01 | $10 |
| Minimum Balance for Top APY | $0.01 | $0.01 |
Citizens Access™
Strengths
- Citizens Access™ has a higher BBB rating of A+ and is BBB Accredited.
- Citizens Access™ has no minimum deposit requirement of $0.01 for its savings account.
- Citizens Access™ has a strong App Store rating of 4.8.
Potential Drawbacks
- The current APY for Citizens Access™ is 3.35%, down from 3.50% 30 days ago.
- Citizens Access™ has no physical branches available.
Salem Five Direct
Strengths
- Salem Five Direct offers a higher APY of 3.71% for its eOne Savings account.
- Salem Five Direct has no maintenance fees for its savings account.
- Salem Five Direct has a minimum balance requirement of only $0.01.
Potential Drawbacks
- Salem Five Direct's current APY has decreased from 4.01% in the last 30 days.
- Salem Five Direct has a lower App Store rating of 4.7 and a Google Play rating of 4.2.
→ As of November 14, 2025 Citizens Access™ offers an APY of 3.35% for its Citizens Access® Savings account, with a minimum balance of $0.01, compared to Salem Five Direct's 3.71% APY for its eOne Savings account, with a minimum balance of $0.01.
→ Salem Five Direct yields $36 more than Citizens Access™ on a $10,000 balance after one year. Citizens Access™ pays $335, while Salem Five Direct pays $371 - an APY advantage for Salem Five Direct.
Calculate Savings Growth for Citizens Access™ vs Salem Five Direct
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 OverviewSalem Five Direct - eOne Savings
Total savings breakdown:
- Interest earned: $2,248.1 (11.10%)
- Total contributions: $13,000 (64.20%)
- Initial deposit: $5,000 (24.69%)
Your total balance
$20,248.10
Total balance: $20,248.1
Earnings: $2,248.1
Bank OverviewWith a $5,000 initial deposit and $13,000 in total contributions over 5 years, Citizens Access™'s total earnings would be $229.3 lower than Salem Five 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 Salem Five Direct's Savings Accounts
| Citizens Access™ | Salem Five Direct | ||
|---|---|---|---|
| Product | Citizens Access® Savings | vs | eOne Savings |
| APY | 3.35% (as of 11/14/2025) | 3.71% (as of 11/14/2025) | |
| Bundled Account | No | No | |
| FDIC-insured | Yes | Yes | |
| Online Only | Yes | Yes | |
| Compound Frequency | Daily | Monthly | |
| Minimum Deposit | $0.01 | $10 | |
| Minimum Balance for APY | $0.01 | $0.01 | |
| Maintenance Fee | $0 | $0 | |
| Direct Deposit Required | No | No | |
| App Store Rating | 4.8/5 | 4.7/5 | |
| Google Play Rating | 4.8/5 | 4.2/5 | |
| BBB Rating | A+ | A- |
Comparative Historical APY Insights (Last 10 Months)
| Citizens Access™ | Salem Five Direct | ||
|---|---|---|---|
| Product | Citizens Access® Savings | vs | eOne Savings |
| Latest APY | 3.35 % | 3.71 % | |
| Trend | Sideways | Sideways | |
| Slope (bps/mo) | -3.5 | -1.6 | |
| Rate Changes / Mo | 0.21 | 0.21 | |
| Days Since Last Change | 15 | 9 | |
| High (-10 m) | 3.70 % | 4.01 % | |
| Low (-10 m) | 3.35 % | 3.71 % | |
| Draw-down from High | -9.5 % | -7.5 % | |
| Volatility (CV) | 0.033 | 0.021 |
APY Insights Glossary
- Latest APY
- Most recent advertised annual-percentage yield.
- Trend
- Direction over the last 10 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 (-10 m)
- Highest APY in the last 291 days.
- Low (-10 m)
- Lowest APY in the last 291 days.
- Draw-down from High
- How far today sits below the 10-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.