Unconfirmed Assumes qualification, daily effective compounding and unchanged rates; before fees and taxes. Actual bank crediting can differ.
Promotions and qualifying rates
No current checked promotion or additional rate qualification appears in this account record. Confirm available offers and all requirements directly with the bank.
Key conditions and complete account terms
Rates can change. Confirm the current terms with the bank before opening an account. Last verified dates show when the approved rates were captured. Estimates require verification within the last 24 hours.
Unconfirmed: Tiers, Minimum earning balance, Maximum balance, Nationwide, Other service fees. The bank information reviewed did not establish these terms.
Minimum opening deposit
$0
Minimum balance to earn interest
Unconfirmed
Eligibility
To apply online, you must be a U.S. citizen or a U.S. resident alien and at least 18 years old. You'll need to provide a physical address in the U.S., date of birth and applicable identification documentation which may include a Social Security Number or Individual Taxpayer Identification number.
Key conditions
Conditional Premium Boost APY: 4.00%; standard APY: 0.05%. Citigold combined average monthly balance range: $200,000 - $999,999.99. This is a combined eligible deposit/investment relationship balance, not the savings opening or earning minimum. 4.00% APY † With Required Activities: $5,000 in Direct Deposits or other qualifying transactions across your Regular Checking accounts or $25,000 Average Monthly Balance in your EDI Investment Accounts Eligible Customers are customers who have met the following eligibility requirements on the last Business Day of the month: Be in the Citi Priority, Citigold, or Citigold Private Client Relationship Tier Own both an open Regular Checking account and an open Citi Savings account, and Be opted in to Citi Premium Boost for Citi Savings accounts. Eligible Customers who complete Required Activities for their Relationship Tier during a calendar month will receive the Premium Boost Rate for their Relationship Tier starting on the first Business Day of the next calendar month instead of the Standard Rate, so long as they remain in a Relationship Tier in that next month. Customers who are not in a Relationship Tier on the first day of the next calendar month will not receive the Premium Boost Rate. Premium Boost Required Activities for Relationship Tiers are different from the requirements to attain and remain in Relationship Tiers. Citi Savings accounts owned by Eligible Customers who complete Premium Boost Required Activities for their Relationship Tier during a calendar month will receive the Premium Boost Rate for their Relationship Tier starting on the first Business Day of the next calendar month for that month only. The Premium Boost Rate will be based on your Relationship Tier during the month the Premium Boost Rate applies to your Citi Savings account and not your Relationship Tier for the month you met Premium Boost Required Activities. Eligible Customers must meet Premium Boost Required Activities for their Relationship Tier each month to receive a Premium Boost Rate for the following month. To remain in your Relationship Tier, you need to make sure your Combined Average Monthly Balance doesn't drop below your Relationship Tier's minimum Balance Range for 3 consecutive calendar months. Customers who did not own a Citibank checking, savings, CD, IRA, or investment account (investment accounts are offered through Citigroup Global Markets, Inc.) in the 30 days prior to opening a new deposit account ("New to Relationship customers") may choose their Relationship Tier when opening a deposit account. Initial qualification: You must achieve a $180,000 CAMB in EDI accounts in at least one month of the first three full months after account opening to remain in the Citigold® Relationship Tier. Direct Deposit means an Automated Clearing House (ACH) credit posted to your account via payroll, pension, or government payments. Other qualifying transactions include money received when processed through the ACH Network, including other ACH transfers and payments received from another financial institution and payments from Zelle® and other payment apps like Venmo or PayPal when processed as ACH transfers. Transfers from other banks or payment apps not via the ACH Network, mobile check deposit, funds deposited at a branch or ATM, transferring money from one Citibank account to another, or money received via a wire transfer are excluded. Note: Citi may refer to Direct Deposits and other qualifying transactions as Enhanced Direct Deposit. Citi Accelerate Savings and other excluded accounts do not qualify for Premium Boost. Rates are variable; fees can reduce earnings. Accounts at zero for 90 days may close. Complete geographic availability, savings balance schedule and ancillary service fees remain Unconfirmed. Investment balances are not FDIC-insured deposits.
Monthly maintenance: $4.50 (monthly). Waiver: Waived while in a Relationship Tier. If you are not in a Relationship Tier, your $4.50 savings account Monthly Service Fee will be waived if you also own a Citi checking account or when your savings account Average Monthly Balance is $500 or more.
Recorded dollar amounts. Confirm current requirements with the bank.
Opening minimum
$0
Minimum to earn interest
Unconfirmed
Standard balance tiers
Unconfirmed.
Fees
Monthly maintenance: $4.50 (monthly). Waiver: Waived while in a Relationship Tier. If you are not in a Relationship Tier, your $4.50 savings account Monthly Service Fee will be waived if you also own a Citi checking account or when your savings account Average Monthly Balance is $500 or more.
Citigold Premium Boost has different relationship requirements from Citi Priority, while boost enrollment, qualifying activity and timing still matter. Evaluate incremental interest against the balances and effort needed across the whole relationship. Do not substitute the Private Client maximum or assume the enhanced rate starts automatically on opening.
By High Yield
Published
An enhanced rate tied to Citigold
Citigold Premium Boost has different relationship requirements from Citi Priority, while boost enrollment, qualifying activity and timing still matter. Evaluate incremental interest against the balances and effort needed across the whole relationship. Do not substitute the Private Client maximum or assume the enhanced rate starts automatically on opening.
Baseline assessment and current terms
Evaluate this account at the balance you intend to keep and the withdrawal frequency you need. The current rates-and-terms reference distinguishes checked information from unresolved conditions. A larger advertised APY is not sufficient if qualification, fees or access make the account a poor fit.
This source-based baseline has not included a hands-on account test or established a representative customer-service rating. Publication of the review does not approve missing financial data. Rates are variable; follow the dated reference and official disclosures before opening.
Recorded rates describe what our sources showed, rather than a prediction. Reviewed reader experiences will be added when supported public evidence is available.
Observed rates
Last 90 days · Aug 4, 2026–Nov 2, 2026 · at $10,000.
No usable checked rate history at this balance in the last 90 days.
These are historical observations. The current review status, official sources and latest terms appear in the account reference. Promotions and qualifying APYs are excluded from this ongoing-rate history.
Citibank, National Association is the legal institution behind this account (FDIC certificate 7213). Different brands or branches at the same institution do not create separate insurance limits. Coverage depends on ownership category and the insurer’s rules.
High Yield
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