Bank · FDIC insured
Citi Savings Rates
Top CarrotCiti’s best savings rate is 3.00% APY on $10,000, with its Citi Accelerate Savings. Rates checked October 22, 2026.
How Citi’s savings rates compare
Compared with banks and credit unions near New York, NY-NJ, where Citi has the most branches. $10,000, best rate first.
This bank’s best
Citi
3.00%APY
- Requires
- None
- Minimum
- $0
- Earns on $10,000 a year
- $300
Citi Accelerate Savings
Top rate
Woori America Bank
5.00%APY
- Requires
- Monthly account activity
- Minimum
- $1,000
- Earns on $10,000 a year
- $500
2nd-highest rate
HSBC USA
4.40%APY
- Requires
- Monthly account activity
- Minimum
- —
- Earns on $10,000 a year
- $440
Citi savings score
89
Savings score
Higher than 90% of U.S. banks and credit unions
- $1,000 balance$1,0003.00%
- $10,000 balance$10,0003.00%
- $100,000 balance$100,0003.00%
- QualifiedQualified3.00%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where Citi ranks
By savings score, in each area where it has branches
- #24 of 173New York-Newark-Jersey City, NY-NJ metro219
- #16 of 136Los Angeles-Long Beach-Anaheim, CA metro125
- #10 of 77San Francisco-Oakland-Fremont, CA metro63
- #11 of 151Chicago-Naperville-Elgin, IL-IN metro57
- #6 of 77Miami-Fort Lauderdale-West Palm Beach, FL metro56
- #14 of 114Washington-Arlington-Alexandria, DC-VA-MD-WV metro34
Every rate
Current savings rates
Rates from the bank’s website. Earnings assume the rate doesn’t change.
Citi Accelerate Savings
3.00%APY
Available in select markets/states to applicants with qualifying residential address. Monthly service fee is waived for accounts with a linked Citi checking account, an average monthly balance of $500 or more, or enrollment in Citi Priority, Citigold, or Citigold Private Client relationship tiers. Accounts with a zero balance for 90 calendar days are subject to closure.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceEveryday Benefits tier. Rates apply to ZIP 57108 (OUT pricing region). $4.50 monthly fee waived with $500+ average monthly balance or linked Citi checking account.Any balance | 3.00% | $300 | Everyday Benefits tier. Rates apply to ZIP 57108 (OUT pricing region). $4.50 monthly fee waived with $500+ average monthly balance or linked Citi checking account. |
Sources (2)
All captured Oct 4, 2026
Citi Savings
Up to 0.12%APY
Available in select markets/regions. Monthly service fee is waived with a linked Citi checking account, an average monthly balance of $500 or more, or enrollment in Citi Priority, Citigold, or Citigold Private Client relationship tiers. Accounts with a zero balance for 90 calendar days are subject to closure.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceCitigold Private Client relationship tier (requires $800,000 CAMB in Eligible Deposit and Investment accounts). Rates apply to ZIP 57108 (OUT pricing region). Monthly fee waived for Citigold Private Client tier.Any balance | 0.12% | $12 | Citigold Private Client relationship tier (requires $800,000 CAMB in Eligible Deposit and Investment accounts). Rates apply to ZIP 57108 (OUT pricing region). Monthly fee waived for Citigold Private Client tier. |
| Any balanceCitigold relationship tier (requires $180,000 CAMB in Eligible Deposit and Investment accounts). Rates apply to ZIP 57108 (OUT pricing region). Monthly fee waived for Citigold tier.Any balance | 0.09% | $9 | Citigold relationship tier (requires $180,000 CAMB in Eligible Deposit and Investment accounts). Rates apply to ZIP 57108 (OUT pricing region). Monthly fee waived for Citigold tier. |
| Any balanceCiti Priority relationship tier (requires $30,000 CAMB in Eligible Deposit and Investment accounts). Rates apply to ZIP 57108 (OUT pricing region). Monthly fee waived for Citi Priority tier.Any balance | 0.06% | $6 | Citi Priority relationship tier (requires $30,000 CAMB in Eligible Deposit and Investment accounts). Rates apply to ZIP 57108 (OUT pricing region). Monthly fee waived for Citi Priority tier. |
| Any balanceEveryday Benefits tier. Rates apply to ZIP 57108 (OUT pricing region). $4.50 monthly fee waived with $500+ average monthly balance or linked Citi checking account.Any balance | 0.03% | $3 | Everyday Benefits tier. Rates apply to ZIP 57108 (OUT pricing region). $4.50 monthly fee waived with $500+ average monthly balance or linked Citi checking account. |
Sources (2)
All captured Oct 4, 2026
Special-purpose accounts
Retirement Money Market
0.03%APY
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $25,000Citi Priority relationship tier | 0.03% | $3 | Citi Priority relationship tier |
| $25,000 and upCiti Priority relationship tier | 0.06% | — | Citi Priority relationship tier |
Sources (1)
- citi.com/banking/current-interest-rates/ira · captured Sep 21, 2026
Opening an account
Confirm the bank’s opening requirements and whether the account is available where you live. A nearby branch does not establish eligibility for every rate.