Citizens Access™ vs. Synchrony Bank
Comparing Citizens Access™ and Synchrony Bank for high-yield savings: Citizens Access™'s Citizens Access® Savings pays 3.15% APY while Synchrony Bank's High Yield Savings pays 3.50% APY.
See how they compare on rate stability, mobile app ratings, and more below.
The Bottom Line
Who pays more interest on $10,000? Synchrony Bank pays $35 more than Citizens Access™ annually ($350 vs $315).
Choose Synchrony Bank if getting the best rate matters most.
| Metric | Citizens Access™Citizens Access® Savings Mar 5, 2026 | Synchrony BankHigh Yield Savings Mar 7, 2026 |
|---|---|---|
| APY | 3.15% | 3.50% |
Est. Earnings | $5,000+$158 $10,000+$315 $25,000+$788 | $5,000+$175 $10,000+$350 $25,000+$875 |
Min Deposit | $0.01 | $0 |
Snapshot view. Rates subject to change. | ||
| Features | FDIC InsuredNo MinimumsGreat iOS AppGreat Android AppDaily CompoundingRate Changes Often | FDIC InsuredNo MinimumsGreat iOS AppGreat Android AppDaily CompoundingRate Changes Often |
Market Reality Check
Both of these banks offer rates below the current top tier. The best rates we track are currently above 4.15% APY.
Comparison Analysis
Comparing Citizens Access™ vs. Synchrony Bank
Executive Summary
Synchrony Bank offers a High Yield Savings account with a competitive APY of 3.50%, making it the winner in this comparison. This account requires no minimum deposit or balance, and there are no maintenance fees, providing simplicity and flexibility for savers. Citizens Access™ follows with its Citizens Access® Savings account, which features a lower APY of 3.15%, also with no minimum deposit or balance requirements. Both accounts are online-only and do not require direct deposit, making them accessible to a wide range of customers.
The analysis is based on current Banksparency database records
* This content is provided for informational purposes only; always verify details with the provider.
Why Citizens Access™?
- ✓Higher rated Android app (4.8 vs 4.5)
Why Synchrony Bank?
- ✓Higher potential APY (3.50% vs 3.15%) on all balances
— Key Feature Differences —
Better Returns at $10,000
Synchrony BankSynchrony Bank's High Yield Savings earns more on smaller deposits (approx. $350 vs $315/yr).
Better Returns at $25,000
Synchrony BankSynchrony Bank's High Yield Savings pulls ahead with larger amounts (approx. $875 vs $788/yr).
Best for Simplicity
Synchrony BankSynchrony Bank's High Yield Savings offers 3.50% APY with no bundling, direct deposit requirement or caps.
Shared Benefits
Over a 1-year period, Synchrony Bank's High Yield Savings pays $35 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.
Non-sponsored link to official site
Non-sponsored link to official site
Top Market Contenders
Citizens Access™ vs. Synchrony Bank Savings Calculator
You earn $35 more with Synchrony Bank 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
Synchrony Bank
High Yield Savings
Savings Breakdown
- Interest Earned+$350.00(3.4%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,350.00
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
Still banking with Chase, Bank of America, or Wells Fargo?
On a $10,000 balance, you're missing out on at least $314 per year in interest.
Both Citizens Access™ and Synchrony Bank dramatically outperform the typical 0.01% APY at traditional big banks.
| Feature | Citizens Access™ | Synchrony Bank |
|---|---|---|
| APY | 3.15% Verified: 3/5/2026 ↘︎ 0.20%90d Change | 3.50% Verified: 3/7/2026 ↘︎ 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 |
| Compound Frequency | Daily | Daily |
| Branch Access | None | None |
| Account Type | Online Only | Online Only |
| Physical Branches | N/A | N/A |
| Direct Deposit Req. | None | None |
| Checking Bundle | No | No |
| Mobile Apps | ||
| FDIC Insured | YesVerify FDIC | YesVerify FDIC |
| Zelle® Support | Not Supported | Not Supported |
| BBB Rating | A+ | Not Rated |
| Next Steps | Visit SiteVerify at Citizens Access™ Non-sponsored link to official site | Visit SiteVerify at Synchrony Bank Non-sponsored link to official site |
📈 Compare Savings Rates Over Time
Historical Performance
| Metric | Citizens Access™ | Synchrony Bank |
|---|---|---|
| Citizens Access® Savings | High Yield Savings | |
Current APY | 3.15% | 3.50% |
Trend | Stable | Stable |
Velocity (bps/mo) | -5.8 | -4.1 |
Days Since Change | 85 | 37 |
12-Month High | 3.70% | 4.00% |
12-Month Low | 3.15% | 3.50% |
Adjustments / Mo | 0.25 | 0.25 |
Volatility Score | 0.062 | 0.042 |
How to read these metrics(Click to expand)
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High Rates (With Checking Bundle)
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More Comparisons
Compare Citizens Access™'s APY of 3.15% with other banks
| Bank Pair | Competitor APY | Min Deposit |
|---|---|---|
| Citizens Access™ vs Ally Bank | 3.20% | $0 |
| Citizens Access™ vs American Express | 3.30% | $0 |
| Citizens Access™ vs Axos Bank | 4.21% | $0 |
| Citizens Access™ vs Bank of America | 0.01% | $100 |
| Citizens Access™ vs Barclays | 3.85% | $0 |
| Citizens Access™ vs Capital One | 3.30% | $0 |
| Citizens Access™ vs Chase Bank | 0.01% | $0 |
| Citizens Access™ vs Chime | 3.00% | $0 |
| Citizens Access™ vs CIT Bank | 3.75% | $100 |
| Citizens Access™ vs Citibank | 3.20% | $0 |
| Citizens Access™ vs Discover Bank | 3.30% | $0 |
| Citizens Access™ vs EverBank | 3.90% | $0 |
| Citizens Access™ vs Marcus by Goldman Sachs | 3.65% | $0 |
| Citizens Access™ vs Newtek Bank | 4.20% | $0.01 |
| Citizens Access™ vs Openbank | 4.09% | $500 |
| Citizens Access™ vs Pibank | 4.60% | $0 |
| Citizens Access™ vs SoFi Bank | 4.00% | $0 |
| Citizens Access™ vs Varo Bank | 5.00% | $0 |
| Citizens Access™ vs Wealthfront | 4.20% | $0 |
| Citizens Access™ vs Wells Fargo | 0.05% | $25 |