Bank · FDIC insured
Citizens Access Savings Rates
Citizens Access’s best savings rate is 2.80% APY on $10,000, with its Citizens Access Savings Account. Rates checked October 25, 2026.
How Citizens Access’s savings rates compare
Compared with banks and credit unions nationwide. $10,000, best rate first.
This bank’s best
Citizens Access
2.80%APY
- Requires
- None
- Minimum
- $0.01
- Earns on $10,000 a year
- $280
Citizens Access Savings Account
Top rate
Service Credit Union
10.00%APY
- Requires
- None
- Minimum
- $0
- Earns on $10,000 a year
- $1,000
2nd-highest rate
NET Credit Union
6.00%APY
- Requires
- Monthly account activity
- Minimum
- —
- Earns on $10,000 a year
- $600
Citizens Access savings score
89
Savings score
Higher than 90% of U.S. banks and credit unions
- $1,000 balance$1,0002.80%
- $10,000 balance$10,0002.80%
- $100,000 balance$100,0002.80%
- QualifiedQualified2.80%
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 Citizens Access ranks
By savings score, in each area where it has branches
Every rate
Current savings rates
Rates from the bank’s website. Earnings assume the rate doesn’t change.
Citizens Access Savings Account
2.80%APY
Personal high-yield savings account offered online in specified US states and territories. No service fees or account opening fees.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $5,000Variable APY subject to increase or decrease daily after account opening without notice. Rates are not tied to an index and are subject to change at the bank's discretion. | 2.80% | — | Variable APY subject to increase or decrease daily after account opening without notice. Rates are not tied to an index and are subject to change at the bank's discretion. |
| Over $02.80% APY for balances of $0.01 and above. | 2.80% | $280 | 2.80% APY for balances of $0.01 and above. |
Sources (2)
All captured Oct 25, 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.