Citi® Accelerate Savings 4.45% APY Bonus

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Citi® : Citi® Accelerate Savings

4.45% APY

3.5 score





Offer Expires In

Limited Time Offer

How To Earn The Bonus

  1. Open a new Citi® Accelerate Savings account using the link below.
  2. Transfer money from a different bank or an existing Citi account.
  3. Interest compounds daily and will be credited to your account each month.

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Citi offers a really competitive APY rate in their Citi® Accelerate Savings account, a high-yield savings product.

You can find slightly higher rates elsewhere, but nearly all of those will have balance limits. In other words, you'll earn a great rate on the first $15k, but then the rate drops considerably.

Citi, on the other hand, has no limit. So for those who have sizable savings they'd like to keep liquid, Citi® Accelerate Savings will often win out.

There's no opening deposit minimum or ongoing balance requirements, but do keep in mind that having a $0 balance for longer than 3 months could cause your account to be closed.

How To Earn The Bonus

The Citi® Accelerate Savings promotion requires you to complete the following in order to earn the 4.45% APY (step-by-step breakdown is listed above!).

As with any offer, don't forget to read the fine print before opening your new account. It's where the bank will clearly state who is eligible for the deal along with any nuances you'll want to be aware of.

The fine print

  • Your Citi® Accelerate Savings account will be opened in the Citi Elevate℠ Account Package. There is no separate monthly service fee for the Citi® Accelerate Savings Account. When a Citi® Accelerate Savings Account is opened, it must be in a package and is subject to the applicable monthly service and non-Citibank ATM fees of the applicable account package.
  • There is no minimum opening deposit required to open a Citi® Accelerate Savings account.
  • Accounts which have a zero balance for 90 days are subject to closure.

How does this personal savings offer from Citi® compare?

To help you determine how this bonus stacks against the rest, here are some of the most popular offers available right now:

Wells Fargo

Way2Save® Savings

Account Type
Personal Savings
Expires In
8 days
  • Min Balance

Why Citi®?

Citi is headquartered in New York and has around 2,600 locations worldwide (about 1,000 of those are here in the U.S.) and over 65,000+ ATMs worldwide. So you really never need to worry about getting access to your cash.

Citi is best known for their credit cards, but they offer just about every product you'd expect from a big national bank – covering banking, lending, investing, and wealth management.

What we really love about Citi is the consistent promotions, usually available nationwide. When you open a new account or credit card, Citi will very often give you bonus cash.

What's more, Citi promotions are often tiered. The low requirements make the offers accessible to most people, but even better, Citi will reward you big if you can meet the highest terms.

Citi® Accelerate Savings

If it’s available in your state, Citi® Accelerate Savings is an attractive high-yield savings account (HYSA) option.

The standard APY for Citi® Accelerate Savings is one of the highest interest rates you can expect to see at any bank. It's especially high for a big bank.

Like the standard Citi® Savings account, the Citi® Accelerate Savings account can be linked to a checking account which can save cash in monthly fees, or opened as a standalone product.

The account comes with features like automatic transfers with Auto Save, unlimited withdrawals, balance alerts and instant transfers between Citi accounts. You may also have the option to use your Citi® Accelerate Savings account to cover overdrafts on your linked checking account using "Safety Check", depending on package type.

Citi® Accelerate Savings is currently available in: AL, AK, AZ, AR, CO, DE, GA, HI, ID, IN, IA, KS, KY, LA, OK, ME, MA, MI, MN, MO, MS, MT, NE, NH, NM, NC, ND, OH, OR, PA, RI, SC, SD, TN, TX, UT, VT, WA, WV, WI and WY, and select markets in Florida and Illinois.


See Citi® website for more information regarding fees.

The content on this page is accurate as of the posting date; however, some of the offers mentioned may have expired or changed.

Share Your Thoughts or Questions

There have been 3 comments about the Citi® Accelerate Savings 4.45% APY Bonus.

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Ankit Jain

November 17, 2023

I would give this one a pass unless you find citi a trusted bank. There are many banks offering 5.25%(Fierce) and 5.40% (Marcus) etc. all these are FDIC secured so should not be a problem. I would be interested to know if you have a specific reason to use citi saving


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November 15, 2023

I'm impressed with the interest rate on this account. Big banks usually have terrible rates, but this one might be worth doing to keep around in the long run.


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November 14, 2023

I'm just getting out of a CD with citi now so when it matures, I'm planning to do this!


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