Citi® Savings Account Interest Rates for 2025
Written by
Daria Uhlig
Edited by
Melanie Grafil
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If you’re seeking competitive rates on a savings account in 2025, Citi offers a wide range of options.
Depending on where you live, you may qualify for either the standard Citi Savings account or the Citi® Accelerate Savings high-yield account.
Keep reading to learn about Citi® Savings Account Interest Rates for 2025, eligibility criteria, and how to decide which account best meets your needs.
What Are Citi’s Savings Account Interest Rates in 2025?
Citi currently offers two primary savings vehicles:
- Citi Savings – A traditional account with a standard APY.
- Citi® Accelerate Savings – A high-yield account that boasts APYs significantly above the national average, subject to geographic availability.
Though the exact rates can change, here’s a general snapshot:
| Account | Relationship Tier | APY |
|---|---|---|
| Citi® Accelerate Savings | Citi Priority / Citigold® / Citigold® Private Client | High above national average |
| Citi Savings | Citi Priority / Citigold® / Citigold® Private Client | Varies by balance tier |
Note: Actual APYs may differ based on market conditions. Always confirm the current rates through Citi’s official website or a local branch.
Comparing Citi Savings to Other Banks in 2025
Higher Than Some Big Banks: Citi Savings outperforms institutions like Bank of America, Chase and Wells Fargo for base savings rates.
Lower Than Online Banks: If you’re after top-tier APYs, consider the Citi® Accelerate Savings account — an especially competitive option if you qualify in your area.
The Citi Savings account’s standard interest rate beats the Bank of America Advantage Savings account’s standard rate — vs. . It’s also better than the rate for the Chase Savings account, which is for all balances. Additionally, it’s higher than Wells Fargo’s Way2Save Savings rate, which is .
Overview of Citi Savings Account Options
Here’s what you need to know about the Citi Savings and Citi® Accelerate Savings accounts.
1. Citi® Accelerate Savings Account
Designed for customers seeking a higher return on savings, Citi® Accelerate Savings offers above-average APYs along with benefits like:
- 65,000+ Fee-Free ATMs: Easy cash access nationwide.
- Mobile Banking: Deposit checks and manage accounts through Citi’s highly rated app.
- Zelle Money Transfers: Available when paired with a Citi checking account.
Geographic Availability – Citi® Accelerate Savings isn’t offered in certain states, including California, Connecticut, Maryland, Nevada, New Jersey, New York, Virginia, Washington, D.C. and select parts of Florida and Illinois.
2. Citi Savings Account
If you’re outside the Accelerate Savings coverage area, Citi’s traditional savings are your primary option. While it may have a lower APY, it retains key benefits:
- No Geographic Restrictions
- Access to Citi’s Digital Tools: Mobile check deposit, robust online banking, and more
- Integration with Other Citi Products: Facilitates transfers to checking, credit cards or loans
Citi Relationship Tiers and How They Affect Your Rate
Citi offers relationship tiers that may influence your APY and other perks:
- Citi Priority: $30,000 to $199,999.99 combined balance
- Citigold®: $200,000 to $999,999.99 (minimum $180,000 to maintain)
- Citigold® Private Client: $1,000,000+ (minimum $800,000 to maintain)
Key Takeaway: For Citi® Accelerate Savings, the APY often stays the same across all tiers. For Citi Savings, higher tiers may qualify for better rates, plus potential mortgage and personal loan discounts.
Pros and Cons of Citi Savings Accounts
Although the bank has a lot to offer overall, Citi’s savings interest rates could be a drawback for some customers.
Pros
- High APY for Accelerate Savings: Outperforms many national averages.
- Multiple Banking Services: Checking, credit cards, loans, and investing under one umbrella.
- Established Brand: Citi is a global financial leader with FDIC insurance for deposit security.
Cons
- Traditional Savings Rates May Be Low: The base Citi Savings APY can trail online bank competitors.
- Location Restrictions: Accelerate Savings is unavailable in certain states.
Which Citi Savings Account Is Right for You in 2025?
- If You Reside in an Eligible Area: Go for Citi® Accelerate Savings to maximize interest earnings.
- If You’re Outside Accelerate Regions: The standard Citi Savings still provides a convenient experience for those who prefer a “Big Four” bank — especially if you can leverage a higher relationship tier.
Current Citi customers may find consolidating accounts beneficial for relationship perks and easier fund transfers.
Final Take to GO
Even though Citi Savings offers modest APYs in some markets, the Citi® Accelerate Savings account can deliver exceptionally competitive rates if you qualify. With a broad array of financial products, comprehensive online tools and FDIC insurance, Citi remains an appealing choice for those seeking a recognizable name in banking.
Ready to explore your options for 2025? Check Citi’s official website or visit a local branch to see the latest Citi® Savings Account Interest Rates for 2025 and find the account type that aligns with your financial goals.
FAQ
- What is the current Citi savings account APY?
- The Citi® Accelerate Savings account currently offers an APY of 3.50%, while the Citi Savings account offers a standard APY of 0.03%. The Citi Savings account also offers rates ranging from 0.06% to 0.12% for those who qualify for the account's relationship tiers.
- Does Citi offer high-yield savings accounts?
- Yes, Citi has the Citi® Accelerate Savings account, which is a great high-yield savings option to grow your money with an APY well above the national average. Unfortunately, it's not available everywhere, so be sure to check with your local branch.
- How can I qualify for a higher Citi savings account interest rate?
- If Citi Accelerate Savings is offered in your state, you can take advantage of the 3.50% APY as long as you have some money in the account to earn earn interest on that principle.
- Are Citi savings accounts FDIC-insured?
- Yes. Citi savings accounts are FDIC-insured up to the $250,000, per account type and per account holder.
- What fees should I be aware of with a Citi savings account?
- For a full breakdown of any fees with Citi, see the bank's website for details on monthly fees.
Caitlyn Moorhead contributed to the reporting for this article.
Rates are subject to change; unless otherwise noted, rates are updated periodically. All other information on accounts is accurate as of April 7, 2025.
Editorial Note: This content is not provided by any entity covered in this article. Any opinions, analyses, reviews, ratings or recommendations expressed in this article are those of the author alone and have not been reviewed, approved or otherwise endorsed by any entity named in this article.
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- Citi Bank "website"
- Citi Bank "Savings Accounts"
- Citi Bank "Accelerated High-Yield Savings Account"
- FDIC "Monthly Rate Cap Information as of March 17, 2025"
- Citi Bank "Mobile App"
- Citi Bank "Rates"
