Capital One vs. Citizens Access™
Capital One's 360 Performance Savings pays 3.00% APY while Citizens Access™'s Citizens Access® Savings pays 2.80% APY.
See how they compare on rate stability, mobile app ratings, and more below.
The Bottom Line
Who pays more interest on $10,000? Capital One pays $20 more than Citizens Access™ annually ($300 vs $280).
Choose Capital One if getting the best rate matters most, you value in-person banking, or you want Zelle for quick transfers.
| Metric | Capital OneBusiness Savings Account Sep 4, 2026 | Citizens Access™Citizens Access® Savings Sep 2, 2026 |
|---|---|---|
| APY | 3.50% | 2.80% |
Earns in a year | $5,000+$175 $10,000+$350 $25,000+$875 | $5,000+$140 $10,000+$280 $25,000+$700 |
Min. Deposit | $0 | $0.01 |
Snapshot view. Rates subject to change. | ||
| Features | FDIC InsuredNo MinimumsGreat iOS AppGreat Android AppIn-Person AccessZelle® Supported | FDIC InsuredNo MinimumsGreat iOS AppGreat Android AppDaily CompoundingRate Changes Often |
Market Reality Check
Both of these institutions offer rates below the top 10 savings and money market accounts we track. Those institutions all pay at least 4.01% APY.
Comparison Analysis
Comparing Capital One vs. Citizens Access™
Executive Summary
Capital One offers a competitive Business Savings Account with a notable APY of 3.50%, making it the highest-yielding option compared to Citizens Access™, which provides a lower APY of 2.80% on its savings account. Both accounts have no maintenance fees and require no direct deposit, but Capital One's account stands out for its higher returns without any deposit caps. Additionally, the Business Savings Account is available nationwide, while Citizens Access™ operates as an online-only bank. For those interested in youth savings, Capital One also has a Kids Savings Account yielding 2.50%.
The analysis is based on current Banksparency database records
* This content is provided for informational purposes only; always verify details with the provider.
Why Capital One?
- Higher potential APY (2.50%-3.50% vs 2.80%) on all balances
- No checking account or direct deposit required
- Physical branch access (Over 200 branches in Louisiana, Maryland, New Jersey, New York, Texas, Virginia and Washington, D.C.)
- Offers 3 different high-yield savings options
- Fast transfers via Zelle® (up to $2,500 a day)
Why Citizens Access™?
No distinct advantages found vs Capital One.
Key Feature Differences
Better Returns at $10,000
Capital OneCapital One's Business Savings Account earns more on smaller deposits (approx. $350 vs $280/yr).
Better Returns at $25,000
Capital OneCapital One's Business Savings Account pulls ahead with larger amounts (approx. $875 vs $700/yr).
Better for Simplicity
Capital OneCapital One's Business Savings Account offers 3.50% APY with no bundling, direct deposit requirement or caps.
Shared Benefits
Over a 1-year period, Capital One's Business Savings Account pays $70 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
Capital One vs. Citizens Access™ Savings Calculator
You earn $70 more with Capital One 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.
Capital One
Business Savings Account
Savings Breakdown
- Interest Earned+$350.00(3.4%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,350.00
Citizens Access™
Citizens Access® Savings
Savings Breakdown
- Interest Earned+$280.00(2.7%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,280.00
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
Still at a large branch bank?
A typical branch-bank savings rate is 0.05% APY. On a $10,000 balance, the gap to these two banks is at least $275 a year in interest.
Both Capital One and Citizens Access™ advertise far more than that typical branch-bank rate.
| Feature | Capital One | Citizens Access™ |
|---|---|---|
| APY | 3.50% Observed: 9/4/2026 Stable over 90 days | 2.80% Observed: 9/2/2026 0.20%90-day change |
| Product Name | Business Savings Account | Citizens Access® Savings |
| Minimum Deposit | $0 | $0.01 |
| Min. Balance for APY | $0 | $0.01 |
| Monthly Fee | N/A | $0 |
| Compound Frequency | Monthly | Daily |
| In-Branch Access | Yes | No |
| Account Type | Online & Branches | Online Only |
| Physical Branches | 252 (CT, DC, DE, LA, MD, NJ, NY, TX (+1 more)) | Not reported |
| Direct Deposit Req. | None | None |
| Checking Bundle | No | No |
| Mobile Apps | ||
| FDIC or NCUA Insured | YesVerify FDIC | YesVerify FDIC |
| Zelle® Support | Available Limit: $2,500/dayAvailable for 360 Checking accounts. | Not Supported |
| BBB Rating | A+ | A+ |
| Next Steps | Visit SiteVerify at Capital One Non-sponsored link to official site | Visit SiteVerify at Citizens Access™ Non-sponsored link to official site |
Compare Savings Rates Over Time
Historical Performance
| Metric | Capital One | |
|---|---|---|
| 360 Performance Savings | Business Savings Account | |
Current APY | 3.00% | 3.50% |
Trend | Stable | Stable |
Speed of change | -0.03 | 0.00 |
Days Since Change | 94 | 164 |
7-Month High | 3.20% | 3.50% |
7-Month Low | 3.00% | 3.50% |
Changes per month | 0.28 | 0.00 |
Steadiness | 0.026 | 0.000 |
How to read these metrics(Click to expand)
Trends and speed
- Trend: The general direction of the rate over the analyzed period. Useful for seeing whether a bank is raising its rate or letting it slip.
- Speed of change: How fast the rate moves. A high positive number means they raise rates quickly. A reading of 0.10 is a tenth of a percentage point each month.
- Changes per month: How often the rate moves. A high number means it changes constantly; a low number means it holds.
Risk & Range
- High/Low: The absolute ceiling and floor of the rate during the 216-day window.
- Steadiness: How far the rate swings around its average. A lower score means a steadier, more predictable rate.
- Days Since Change: A high number, for example above 90, means the rate rarely moves. A low number means it changed recently.
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High Rates (With Checking Bundle)
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More Comparisons
Compare Capital One's APY of 3.50% with other banks
Compare Citizens Access™'s APY of 2.80% with other banks
| Bank Pair | Competitor APY | Min Deposit |
|---|---|---|
| Citizens Access™ vs Ally Bank | 3.00% | $0 |
| Citizens Access™ vs American Express | 3.00% | $0 |
| Citizens Access™ vs Axos Bank | 4.21% | $0 |
| Citizens Access™ vs Barclays | 3.65% | $0 |
| Citizens Access™ vs Chime | 3.75% | $0 |
| Citizens Access™ vs CIT Bank | 3.75% | $100 |
| Citizens Access™ vs EverBank | 3.90% | $0 |
| Citizens Access™ vs Marcus by Goldman Sachs | 3.40% | $0 |
| Citizens Access™ vs Newtek Bank | 4.20% | $100 |
| Citizens Access™ vs Openbank | 3.80% | $500 |
| Citizens Access™ vs Pibank | 4.10% | $0 |
| Citizens Access™ vs SoFi Bank | 4.00% | $0 |
| Citizens Access™ vs Synchrony Bank | 3.30% | $0 |
| Citizens Access™ vs Varo Bank | 3.75% | $0 |
| Citizens Access™ vs Wealthfront | 3.95% | $0 |