Save smart with Citi® Accelerate Savings

Enjoy a rate that’s over x
the National Average

  • Citi %
  • National Average %

Based on the national savings rate for Non-Jumbo Money Market accounts published here: FDIC Weekly National Rates and Rate Caps.
National rate effective as of June 29, 2020.
Our rate effective as of June 29, 2020.

Annual Percentage Yield
Available in select markets only.
APY is variable and subject to change before and after account opening.

  • Bank digitally from virtually anywhere
  • No limit on earnings
  • No minimum opening deposit
Apply Now

See your savings grow if you start today*

Save for

1 year

Your Total Interest:


APY: %

More than just a smart rate

Bank Digitally From
Virtually Anywhere
Stay on top of your spending and savings with the Citi Mobile® App.1
Move Funds Fee-Free Free online banking services lets you transfer funds between your Citi and non-Citi accounts.2
Most Fee-Free
ATMs in the U.S.
Access cash at over 60,000 ATMs across the country, the most offered by a major bank in the U.S.3

Find an ATM near you >

Answers to commonly asked questions

Citi® Accelerate Savings is a high-yield savings account which in select markets earns a higher interest rate than traditional savings accounts. Like with all high-yield savings accounts, the rate is variable and subject to change at any time. Or, if you prefer a guaranteed fixed rate, a Citi® Certificate of Deposit may be right for you. Learn More >

While both are FDIC-insured up to the allowable limits, Citi® Accelerate Savings is a checkless, online savings account. With Citi® Accelerate you can earn one of our highest rates (available in select markets only) regardless of your account balance with no limit on interest earned.

With Citi you get more than just a bank account – you get a package of services and benefits to meet your banking needs. Citibank offers different account pricing packages based on the combined average balance of your linked Citi accounts. To learn more about our different account pricing packages please visit

Your Citi® Accelerate Savings account can be opened in any Account Package. The standard Account Package for Citi® Accelerate Savings is the Access Account Package. This is a checkless account with access to a full range of Citi digital products and services and our lowest minimum monthly balance requirement to waive the monthly service fee.

There is no minimum deposit required to open a Citi® Accelerate Savings account. However, a $4.50 monthly service fee applies to the savings account in the Access Account Package if you do not maintain an average monthly balance of $500+. Please note any account which maintains a zero balance for 90 days is subject to closure in Citibank’s sole discretion.

You can make unlimited withdrawals at over 60,000 fee-free ATMs across the country, the most offered by a major bank in the U.S. Please note a $2.50 non-Citibank ATM fee will apply to your account in the Access Account Package.

The maximum number of transfers you can make is limited to no more than six (6) per statement period as required by federal regulations for U.S. savings and money market accounts. If you exceed this limit, we may refuse to honor additional transactions. To learn more, please view the Client Manual.

To apply online you must be 18 years or older, be a U.S. citizen or resident and have a Social Security number. If you are not eligible to open an account online, you may still be able to apply by phone.

There are several ways to add money to your account. You can transfer money from another bank or from an existing Citi account. You can also make a deposit by phone or mailing a check. If you have a linked Citi® Checking account, we also offer free mobile check deposit in the Citi Mobile® App. For more information on how to fund your account, contact us.