Citizens Access™ vs. Salem Five Direct
Compare rates, requirements, and features side-by-side to find the best option for you.
| Metric | Citizens Access™Citizens Access® Savings Jan 6, 2026 | Salem Five DirecteOne Savings Jan 7, 2026 |
|---|---|---|
| APY | 3.15% | 3.61% |
Est. Earnings | $5,000+$158 $10,000+$315 $25,000+$788 | $5,000+$181 $10,000+$361 $25,000+$903 |
Min Deposit | $0.01 | $10 |
Snapshot view. Rates subject to change. | ||
| Features | FDIC InsuredNo MinimumsGreat iOS AppGreat Android App | FDIC InsuredLow MinimumsGreat iOS AppGreat Android AppZelle® 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. Salem Five Direct
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 Salem Five Direct's 3.61% APY for its eOne Savings account, with a minimum balance of $0.01.
Salem Five Direct pays $46 more than Citizens Access™ on a $10,000 balance after one year. Citizens Access™ pays $315, while Salem Five Direct pays $361 - an APY advantage for Salem Five Direct.
Why Citizens Access™?
- ✓Higher rated Android app (4.9 vs 4.2)
Why Salem Five Direct?
- ✓Higher potential APY (3.61% vs 3.15%) on all balances
- ✓Fast transfers via Zelle®
— Key Feature Differences —
Better Returns at $10,000
Salem Five DirectSalem Five Direct's eOne Savings earns more on smaller deposits (approx. $361 vs $315/yr).
Better Returns at $25,000
Salem Five DirectSalem Five Direct's eOne Savings pulls ahead with larger amounts (approx. $903 vs $788/yr).
Best for Simplicity
Salem Five DirectSalem Five Direct's eOne Savings offers 3.61% APY with no bundling, direct deposit requirement or caps.
Shared Benefits
Over a 1-year period, Salem Five Direct's eOne Savings pays $46 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
Salem Five Direct offers a competitive eOne Savings account with an APY of 3.61%, making it the top choice between the two banks. This account is online-only and requires a minimum deposit of $10, with no maintenance fees or direct deposit requirements. In contrast, Citizens Access™ provides a Citizens Access® Savings account yielding 3.15% APY, which is lower than Salem Five's offering. While Citizens Access also has no minimum balance requirement, its APY is not as favorable for those seeking higher returns. Both banks provide FDIC insurance, ensuring deposit safety.
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. Salem Five Direct Savings Calculator
You earn $46 more with Salem Five Direct than Citizens Access™ on a $10,000 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+$315.00(3.1%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,315.00
Salem Five Direct
eOne Savings
Savings Breakdown
- Interest Earned+$361.00(3.5%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,361.00
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
| Feature | Citizens Access™ | Salem Five Direct |
|---|---|---|
| APY | 3.15% Verified: 1/6/2026 ↘︎ 0.35%90d Change | 3.61% Verified: 1/7/2026 ↘︎ 0.40%90d Change |
| Product Name | Citizens Access® Savings | eOne Savings |
| Minimum Deposit | $0.01 | $10 |
| Min. Balance for APY | $0.01 | $0.01 |
| 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 Android4.9 | iOS4.7 Android4.2 |
| Zelle® Support | Not Supported | Available Uses shared Salem Five mobile platform. |
| BBB Rating | A+ | A- |
| Next Steps | Visit SiteVerify at Citizens Access™ Non-sponsored link to official site | Visit SiteVerify at Salem Five Direct Non-sponsored link to official site |
📈 Compare Savings Rates Over Time
Historical Performance
| Metric | Citizens Access™ | Salem Five Direct |
|---|---|---|
| Citizens Access® Savings | eOne Savings | |
Current APY | 3.15% | 3.61% |
Trend | Stable | Stable |
Velocity (bps/mo) | -4.8 | -3.4 |
Days Since Change | 28 | 21 |
11-Month High | 3.70% | 4.01% |
11-Month Low | 3.15% | 3.61% |
Adjustments / Mo | 0.26 | 0.26 |
Volatility Score | 0.052 | 0.037 |
How to read these metrics(Click to expand)
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