Citizens Access™ vs. Valley 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
Valley Direct
High-Yield Savings Account
Up to4.10%APYDec 6, 2025FDIC InsuredLow MinimumsGreat iOS AppGreat Android AppRange: 3.50% – 4.10%Show Fine Print & Trends Hide Details
Valley Direct
High-Yield Savings Account
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. Valley Direct
Why Citizens Access™?
- ✓Higher rated Android app (4.8 vs 4.5)
- ✓Available to New & Existing Customers
Why Valley Direct?
- ✓Higher potential APY (4.10% vs 3.35%) on all balances
— Key Feature Differences —
Better Returns at $10,000
Valley DirectValley Direct's High-Yield Savings Account earns more on smaller deposits (approx. $410 vs $335/yr).
Better Returns at $25,000
Valley DirectValley Direct's High-Yield Savings Account pulls ahead with larger amounts (approx. $1025 vs $838/yr).
Best for Simplicity
Valley DirectValley Direct's High-Yield Savings Account offers 4.10% APY with no bundling, direct deposit requirement or caps.
Shared Benefits
Over a 1-year period, Valley Direct's High-Yield Savings Account pays $75 more interest on a $10,000 balance than Citizens Access™'s Citizens Access® Savings.
Executive Summary
Valley Direct offers a High-Yield Savings Account with a competitive APY of 4.10%, making it the superior choice compared to Citizens Access™, which provides a savings account with an APY of 3.35%. Valley Direct's account is available online only and is restricted to new customers for the advertised rate; existing customers may earn a lower APY of 3.50%. Both banks have no maintenance fees and allow for low minimum deposits, with Citizens Access™ requiring just $0.01 and Valley Direct needing $1,000. For those seeking higher returns, Valley Direct is the clear winner.
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 Valley Direct.
| Feature | Citizens Access™ | Valley Direct |
|---|---|---|
| APY | 3.35% Verified: 12/5/2025 ↘︎ 0.15%90d Change | 4.10% Range: 3.50% - 4.10% Verified: 12/6/2025 ↘︎ 0.20%90d Change |
| Product Name | Citizens Access® Savings | High-Yield Savings Account |
| Minimum Deposit | $0.01 | $1,000 |
| Min. Balance for APY | $0.01 | $0.01 |
| 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+ | A+ |
| Important Notes | - | Promo rate for new customers. 3.50% APY applies to existing customers. |
| Next Steps |
Savings Comparison
Valley Direct earns $480.6 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
Valley Direct
High-Yield Savings Account
Savings Breakdown
- Interest Earned+$2,499.40(12.2%)
- Total Contributions$13,000
- Initial Deposit$5,000
Projected Balance
$20,499.40
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™ | Valley Direct |
|---|---|---|
| Citizens Access® Savings | High-Yield Savings Account | |
Current APY | 3.35% | 4.10% |
Trend | Stable | Stable |
Velocity (bps/mo) | -3.8 | 0.7 |
Days Since Change | 37 | 71 |
10-Month High | 3.70% | 4.40% |
10-Month Low | 3.35% | 3.75% |
Adjustments / Mo | 0.19 | 0.67 |
Volatility Score | 0.037 | 0.042 |
How to read these metrics(Click to expand)
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