Citibank vs Capital One Savings Account Comparison
Updated June 15, 2026 · Rates from official provider sources
Capital One has the higher savings rate right now.
The APY gap is 4.21%. On a $25,000 balance, that is about $1,053/year. If the dollar difference is small, choose based on transfer speed, app fit, and whether you want checking in the same place.
Citi Savings
Citibank
Capital One 360
Capital One
Dollar Difference by Balance
| Balance | Citibank | Capital One | Difference |
|---|---|---|---|
| $10,000 | $4/yr | $425/yr | $421/yr |
| $25,000 | $10/yr | $1,063/yr | $1,053/yr |
| $50,000 | $20/yr | $2,125/yr | $2,105/yr |
| $100,000 | $40/yr | $4,250/yr | $4,210/yr |
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Full disclosure →SoFi Checking & Savings
SoFi
Based on your savings balance, this account maximizes your yield with FDIC protection.
Advertising disclosure: SwitchWize may earn a referral fee if you open an account through this link. This does not affect our rankings or recommendations. Learn more
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How to read this comparison
The rate table is useful for the math, but it is not the whole decision. Confirm current APY, transfer timing, account availability, minimum balance rules, and any linked-account requirements before opening. Savings rates can change after this page refreshes.
FAQ
Which is better, Citibank or Capital One savings?
Capital One 360 currently pays 4.25% APY vs Citi Savings at 0.04% APY — a 4.21% point advantage. On $25,000, that difference is $1,053 per year.
Are Citibank and Capital One savings accounts FDIC insured?
Yes, both accounts are FDIC insured up to $250,000 per depositor.
Can I have accounts at both banks?
Yes. There is no limit to how many savings accounts you can have. Some people use multiple HYSAs for different savings goals.