Citizens Access™ vs. Upgrade
Compare rates, requirements, and features side-by-side to find the best option for you.
Citizens Access™
Citizens Access® Savings
3.15%APYDec 10, 2025FDIC InsuredNo MinimumsGreat iOS AppGreat Android AppShow Fine Print & Trends Hide Details
Citizens Access™
Citizens Access® Savings
Upgrade
Premier Savings
3.05%APYDec 10, 2025FDIC InsuredLow MinimumsGreat iOS AppGreat Android AppShow Fine Print & Trends Hide Details
Upgrade
Premier 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.
Citizens Access™ vs. Upgrade Savings Calculator
Citizens Access™ earns $62.9 more than Upgrade.
Citizens Access™
Citizens Access® Savings
Savings Breakdown
- Interest Earned+$1,892.50(9.5%)
- Total Contributions$13,000
- Initial Deposit$5,000
Projected Balance
$19,892.50
Upgrade
Premier Savings
Savings Breakdown
- Interest Earned+$1,829.60(9.2%)
- Total Contributions$13,000
- Initial Deposit$5,000
Projected Balance
$19,829.60
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
Comparison Analysis
Comparing Citizens Access™ vs. Upgrade
Why Citizens Access™?
- ✓Higher rated Android app (4.9 vs 4.5)
Why Upgrade?
No distinct advantages found vs Citizens Access™.
Shared Benefits
Over a 1-year period, Citizens Access™'s Citizens Access® Savings pays $10 more interest on a $10,000 balance than Upgrade's Premier Savings.
*This calculation assumes current rates remain consistent for 1 year and does not include temporary bonuses.
Executive Summary
Citizens Access™ offers a competitive savings account with an APY of 3.15% for its Citizens Access® Savings product, which is online-only and requires a minimum deposit of just $0.01. In comparison, Upgrade's Premier Savings account provides a slightly lower APY of 3.05%, with a minimum balance requirement of $1,000. Both accounts have no maintenance fees and allow daily compounding. While Citizens Access™ leads with a higher APY, both banks present solid options 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.
Stop Losing Interest
See who beats both Citizens Access™ and Upgrade.
| Feature | Citizens Access™ | Upgrade |
|---|---|---|
| APY | 3.15% Verified: 12/10/2025 ↘︎ 0.35%90d Change | 3.05% Verified: 12/10/2025 ↘︎ 0.97%90d Change |
| Product Name | Citizens Access® Savings | Premier Savings |
| Minimum Deposit | $0.01 | $0 |
| Min. Balance for APY | $0.01 | $1,000 |
| 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 | iOS4.9 Android4.5 |
| BBB Rating | A+ | A+ |
| Next Steps |
📈 Compare Savings Rates Over Time
Historical Performance
| Metric | Citizens Access™ | Upgrade |
|---|---|---|
| Citizens Access® Savings | Premier Savings | |
Current APY | 3.15% | 3.05% |
Trend | Stable | Stable |
Velocity (bps/mo) | -3.9 | -10.5 |
Days Since Change | 0 | 39 |
10-Month High | 3.70% | 4.14% |
10-Month Low | 3.15% | 3.05% |
Adjustments / Mo | 0.28 | 0.28 |
Volatility Score | 0.038 | 0.105 |
How to read these metrics(Click to expand)
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