Citizens Access vs. Ufb Direct
High-Yield Savings Account Comparison
By Aviel Fahl|Last Updated: November 16, 2025
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Summary of Citizens Access™ vs. UFB Direct
Key Metrics at a Glance
| Feature | Citizens Access™ | UFB Direct |
|---|---|---|
| Top Savings APY | 3.35% Citizens Access® Savings | 3.71% UFB Checking and Savings Bundle |
| Minimum to Open | $0.01 | $5000 |
| Minimum Balance for Top APY | $0.01 | $10,000 |
| Note | 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. See bank for full details. |
Citizens Access™
Strengths
- Citizens Access™ has no minimum deposit requirement for its savings account.
- Citizens Access™ offers a high App Store rating of 4.8.
- Citizens Access™ has a BBB rating of A+ and is BBB Accredited.
Potential Drawbacks
- Citizens Access™'s current APY is lower than 30 days ago, dropping from 3.50% to 3.35%.
- Citizens Access™ does not offer a direct deposit option for its savings account.
UFB Direct
Strengths
- UFB Direct offers a higher current APY of 3.71% with direct deposit and minimum balance.
- UFB Direct provides a second savings account option with a competitive APY of 3.51%.
- UFB Direct has a maintenance fee of $0 for its accounts.
Potential Drawbacks
- UFB Direct requires a minimum deposit of $5,000 for its high-yield account.
- UFB Direct's Google Play rating is lower at 4.4 compared to Citizens Access™.
→ As of November 16, 2025 Citizens Access™ offers an APY of 3.35% for its Citizens Access® Savings account, with a minimum balance of $0.01, compared to UFB Direct's 3.71% APY for its UFB Checking and Savings Bundle account, with a minimum balance of $10,000.
→ UFB Direct yields $36 more than Citizens Access™ on a $10,000 balance after one year. Citizens Access™ pays $335, while UFB Direct pays $371 - an APY advantage for UFB Direct.
→ In addition, UFB Direct also offers 3.51% APY for the UFB Portfolio Savings account.
Calculate Savings Growth for Citizens Access™ vs UFB 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 OverviewUFB Direct - UFB Checking and Savings Bundle
⚠️The higher APY only applies once your balance reaches $10,000.
Total savings breakdown:
- Interest earned: $2,218.7 (10.97%)
- Total contributions: $13,000 (64.30%)
- Initial deposit: $5,000 (24.73%)
Your total balance
$20,218.70
Total balance: $20,218.7
Earnings: $2,218.7
With a $5,000 initial deposit and $13,000 in total contributions over 5 years, Citizens Access™'s total earnings would be $199.9 lower than UFB 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 UFB Direct's Savings Accounts
| Citizens Access™ | UFB Direct | |||
|---|---|---|---|---|
| Product | Citizens Access® Savings | vs | UFB Checking and Savings Bundle | UFB Portfolio Savings |
| APY | 3.35% (as of 11/16/2025) | 3.51% - 3.71% (as of 11/16/2025) | 3.51% (as of 11/16/2025) | |
| Bundled Account | No | No | No | |
| FDIC-insured | Yes | Yes | Yes | |
| Online Only | Yes | Yes | Yes | |
| Compound Frequency | Daily | Daily | Daily | |
| Minimum Deposit | $0.01 | $5000 | $0 | |
| Minimum Balance for APY | $0.01 | $10,000 | $0 | |
| Maintenance Fee | $0 | $0 | $0 | |
| Direct Deposit Required | No | Yes | No | |
| Note | 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. See bank for full details. | |||
| Sponsored Link | LEARN MORE at UFB Direct, Member FDIC | LEARN MORE at UFB Direct, Member FDIC | ||
| App Store Rating | 4.8/5 | 4.8/5 | ||
| Google Play Rating | 4.8/5 | 4.4/5 | ||
| BBB Rating | A+ | A+ | ||
Comparative Historical APY Insights (Last 10 Months)
| Citizens Access™ | UFB Direct | |||
|---|---|---|---|---|
| Product | Citizens Access® Savings | vs | UFB Checking and Savings Bundle | UFB Portfolio Savings |
| Latest APY | 3.35 % | 3.71 % | 3.51 % | |
| Trend | Sideways | Sideways | Sideways | |
| Slope (bps/mo) | -3.6 | -4.0 | -3.5 | |
| Rate Changes / Mo | 0.21 | 0.31 | 0.31 | |
| Days Since Last Change | 17 | 17 | 17 | |
| High (-10 m) | 3.70 % | 4.21 % | 4.01 % | |
| Low (-10 m) | 3.35 % | 3.71 % | 3.51 % | |
| Draw-down from High | -9.5 % | -11.9 % | -12.5 % | |
| Volatility (CV) | 0.034 | 0.037 | 0.038 | |
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 292 days.
- Low (-10 m)
- Lowest APY in the last 292 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.