Citizens Access™ vs. UFB Direct
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
UFB Direct
UFB Checking and Savings Bundle
Up to3.71%APYDec 6, 2025FDIC InsuredHigh MinimumDirect Deposit ReqChecking BundleGreat iOS AppGreat Android AppRange: 3.51% – 3.71%Show Fine Print & Trends Hide Details
UFB Direct
UFB Checking and Savings Bundle
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. UFB Direct
Why Citizens Access™?
- ✓Higher rated Android app (4.8 vs 4.3)
Why UFB Direct?
- ✓Offers 2.00% APY on Checking Account in addition to the savings APY
- ✓Access to over 90,000 fee-free ATMs
- ✓Higher potential APY (3.51%-3.71% vs 3.35%) on all balances
- ✓Offers 2 different high-yield savings options
— Key Feature Differences —
Better Returns at $10,000
UFB DirectUFB Direct's UFB Checking and Savings Bundle earns more on smaller deposits (approx. $371 vs $335/yr).
Better Returns at $25,000
UFB DirectUFB Direct's UFB Checking and Savings Bundle pulls ahead with larger amounts (approx. $928 vs $838/yr).
Best for All-in-One Banking
UFB DirectUFB Direct's UFB Checking and Savings Bundle pays a superior APY for customers who also open a checking account.
Shared Benefits
Over a 1-year period, UFB Direct's UFB Checking and Savings Bundle pays $36 more interest on a $10,000 balance than Citizens Access™'s Citizens Access® Savings.
Executive Summary
UFB Direct offers a competitive APY of 3.51% with its UFB Portfolio Savings account, which is higher than Citizens Access™'s 3.35% APY for its Citizens Access® Savings account. Both banks provide online-only savings options with no minimum deposit or maintenance fees. However, UFB Direct also features a checking and savings bundle that can yield up to 3.71% APY, contingent upon meeting specific criteria such as maintaining a minimum balance of $10,000 and making 10 approved debit card transactions per month. This makes UFB Direct the winner for those looking for higher returns, especially if they are willing to open a checking account.
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 UFB Direct.
| Feature | Citizens Access™ | UFB Direct |
|---|---|---|
| APY | 3.35% Verified: 12/5/2025 ↘︎ 0.15%90d Change | 3.71% Range: 3.51% - 3.71% Verified: 12/6/2025 ↘︎ 0.50%90d Change |
| Product Name | Citizens Access® Savings | UFB Checking and Savings Bundle |
| Minimum Deposit | $0.01 | $5000 |
| Min. Balance for APY | $0.01 | $10,000 |
| Monthly Fee | $0 | $0 |
| Branch Access | None | None |
| Account Type | Online Only | Online Only |
| Direct Deposit Req. | None | Required |
| Checking Bundle | No | Yes |
| Mobile Apps | iOS4.8 Android4.8 | iOS4.8 Android4.3 |
| BBB Rating | A+ | A+ |
| Important Notes | - | The regular savings or money market APY may be boosted up to 3.71% by direct deposits, minimum balance of $10,000 and making 10 approved debit card transactions per statement cycle. The checking account earns 2% APY. See bank for full details. |
| Next Steps | SponsoredOpen Account |
Savings Comparison
UFB Direct earns $199.9 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
UFB Direct
UFB Checking and Savings Bundle
Higher APY requires $10,000
Savings Breakdown
- Interest Earned+$2,218.70(11.0%)
- Total Contributions$13,000
- Initial Deposit$5,000
Projected Balance
$20,218.70
Sponsored Link
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™ | UFB Direct | |
|---|---|---|---|
| Citizens Access® Savings | UFB Checking and Savings Bundle | UFB Portfolio Savings | |
Current APY | 3.35% | 3.71% | 3.51% |
Trend | Stable | Stable | Stable |
Velocity (bps/mo) | -3.8 | -5.0 | -4.6 |
Days Since Change | 37 | 37 | 37 |
10-Month High | 3.70% | 4.21% | 4.01% |
10-Month Low | 3.35% | 3.71% | 3.51% |
Adjustments / Mo | 0.19 | 0.29 | 0.29 |
Volatility Score | 0.037 | 0.047 | 0.048 |
How to read these metrics(Click to expand)
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