Citizens Access™ vs. EverBank
Citizens Access™'s Citizens Access® Savings pays 2.80% APY while EverBank's Performance Savings pays 3.90% APY.
See how they compare on rate stability, mobile app ratings, and more below.
The Bottom Line
Who pays more interest on $10,000? EverBank pays $110 more than Citizens Access™ annually ($390 vs $280).
Choose EverBank if getting the best rate matters most, or you want Zelle for quick transfers.
| Metric | Citizens Access™Citizens Access® Savings Sep 2, 2026 | EverBankPerformance Savings Sep 5, 2026 |
|---|---|---|
| APY | 2.80% | 3.90% |
Earns in a year | $5,000+$140 $10,000+$280 $25,000+$700 | $5,000+$195 $10,000+$390 $25,000+$975 |
Min. Deposit | $0.01 | $0 |
Snapshot view. Rates subject to change. | ||
| Features | FDIC InsuredNo MinimumsGreat iOS AppGreat Android AppDaily CompoundingRate Changes Often | FDIC InsuredNo MinimumsGreat iOS AppGreat Android AppZelle® SupportedDaily CompoundingStable Rate |
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 Citizens Access™ vs. EverBank
Executive Summary
Citizens Access™ offers a competitive high-yield savings account with an APY of 2.80%, requiring a minimum deposit of $1 and no maintenance fees. However, EverBank's Performance Savings outshines with a higher APY of 3.90%, also with no minimum balance requirement or maintenance fees. Both accounts are online-only and nationally available, but EverBank provides better returns, especially on larger deposits, making it the more attractive option for savers. Additionally, neither bank requires direct deposit for their savings products.
The analysis is based on current Banksparency database records
* This content is provided for informational purposes only; always verify details with the provider.
Why Citizens Access™?
No distinct advantages found vs EverBank.
Why EverBank?
- Higher potential APY (3.90% vs 2.80%) on all balances
- No checking account or direct deposit required
- Physical branch access (11 locations in Florida and California)
- Fast transfers via Zelle®
Key Feature Differences
Better Returns at $10,000
EverBankEverBank's Performance Savings earns more on smaller deposits (approx. $390 vs $280/yr).
Better Returns at $25,000
EverBankEverBank's Performance Savings pulls ahead with larger amounts (approx. $975 vs $700/yr).
Better for Simplicity
EverBankEverBank's Performance Savings offers 3.90% APY with no bundling, direct deposit requirement or caps.
Shared Benefits
Over a 1-year period, EverBank's Performance Savings pays $110 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
Citizens Access™ vs. EverBank Savings Calculator
You earn $110 more with EverBank 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.
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
EverBank
Performance Savings
Savings Breakdown
- Interest Earned+$390.00(3.8%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,390.00
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 Citizens Access™ and EverBank advertise far more than that typical branch-bank rate.
| Feature | Citizens Access™ | EverBank |
|---|---|---|
| APY | 2.80% Observed: 9/2/2026 0.20%90-day change | 3.90% Observed: 9/5/2026 Stable over 90 days |
| Product Name | Citizens Access® Savings | Performance Savings |
| Minimum Deposit | $0.01 | $0 |
| Min. Balance for APY | $0.01 | $0 |
| Monthly Fee | $0 | $0 |
| Compound Frequency | Daily | Daily |
| In-Branch Access | No | No |
| Account Type | Online Only | Online Only |
| Physical Branches | Not reported | 43 (CA, FL, MO, NY) |
| Direct Deposit Req. | None | None |
| Checking Bundle | No | No |
| Mobile Apps | ||
| FDIC or NCUA Insured | YesVerify FDIC | YesVerify FDIC |
| Zelle® Support | Not Supported | Available Native integration verified. |
| BBB Rating | A+ | A+ |
| Next Steps | Visit SiteVerify at Citizens Access™ Non-sponsored link to official site | Visit SiteVerify at EverBank Non-sponsored link to official site |
Compare Savings Rates Over Time
Historical Performance
| Metric | Citizens Access™ | EverBank |
|---|---|---|
| Citizens Access® Savings | Performance Savings | |
Current APY | 2.80% | 3.90% |
Trend | Stable | Stable |
Speed of change | -0.08 | -0.05 |
Days Since Change | 35 | 260 |
12-Month High | 3.50% | 4.30% |
12-Month Low | 2.80% | 3.90% |
Changes per month | 0.33 | 0.17 |
Steadiness | 0.049 | 0.025 |
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 362-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 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 Capital One | 3.50% | $0 |
| Citizens Access™ vs Chime | 3.75% | $0 |
| Citizens Access™ vs CIT Bank | 3.75% | $100 |
| 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 |