Citizens Access™ vs. Synchrony 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
Synchrony Bank
High Yield Savings
3.65%APYDec 6, 2025FDIC InsuredNo MinimumsGreat iOS AppGreat Android AppShow Fine Print & Trends Hide Details
Synchrony Bank
High Yield Savings
Market Reality Check
Both of these banks offer rates below the current top tier. The best rates we track are currently above 4.25% APY.
Comparison Analysis
Comparing Citizens Access™ vs. Synchrony Bank
Why Citizens Access™?
- ✓Higher rated Android app (4.8 vs 4.5)
Why Synchrony Bank?
- ✓Higher potential APY (3.65% vs 3.35%) on all balances
— Key Feature Differences —
Better Returns at $10,000
Synchrony BankSynchrony Bank's High Yield Savings earns more on smaller deposits (approx. $365 vs $335/yr).
Better Returns at $25,000
Synchrony BankSynchrony Bank's High Yield Savings pulls ahead with larger amounts (approx. $913 vs $838/yr).
Best for Simplicity
Synchrony BankSynchrony Bank's High Yield Savings offers 3.65% APY with no bundling, direct deposit requirement or caps.
Shared Benefits
Over a 1-year period, Synchrony Bank's High Yield Savings pays $30 more interest on a $10,000 balance than Citizens Access™'s Citizens Access® Savings.
Executive Summary
Synchrony Bank offers a High Yield Savings account with a competitive APY of 3.65%, making it the winner in this comparison. This account allows for daily compounding and requires no minimum balance or maintenance fees, providing a straightforward savings option. Citizens Access™ offers a Citizens Access® Savings account with a slightly lower APY of 3.35%. While both accounts are online-only and do not require direct deposit, Synchrony Bank's higher yield positions it as the more attractive choice for savers.
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 Synchrony Bank.
| Feature | Citizens Access™ | Synchrony Bank |
|---|---|---|
| APY | 3.35% Verified: 12/5/2025 ↘︎ 0.15%90d Change | 3.65% Verified: 12/6/2025 ↘︎ 0.15%90d Change |
| Product Name | Citizens Access® Savings | High Yield Savings |
| Minimum Deposit | $0.01 | $0 |
| Min. Balance for APY | $0.01 | $0 |
| 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 Android4.5 |
| BBB Rating | A+ | Not Rated |
| Next Steps |
Savings Comparison
Synchrony Bank earns $190.9 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
Synchrony Bank
High Yield Savings
Savings Breakdown
- Interest Earned+$2,209.70(10.9%)
- Total Contributions$13,000
- Initial Deposit$5,000
Projected Balance
$20,209.70
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™ | Synchrony Bank |
|---|---|---|
| Citizens Access® Savings | High Yield Savings | |
Current APY | 3.35% | 3.65% |
Trend | Stable | Stable |
Velocity (bps/mo) | -3.8 | -3.3 |
Days Since Change | 37 | 18 |
10-Month High | 3.70% | 4.10% |
10-Month Low | 3.35% | 3.65% |
Adjustments / Mo | 0.19 | 0.29 |
Volatility Score | 0.037 | 0.030 |
How to read these metrics(Click to expand)
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