Compound Interest Calculator
Savings Account from Citibank, National Association with 4.75% APY and $25,000 minimum deposit

Use or Change These Amounts and Rates

The product Savings Account from Citibank, National Association with 4.75% APY and $25,000 minimum deposit and a tax rate of 30 compounded annually, with an initial amount of $20,000, after 10 years would have grown your savings to approximately $31,810. The interest earned would be $11,810 and the tax amount on the interest earned would be approximately $3,543.

Please note that this analysis assumes a constant interest rate and doesn't take into account any fees associated with the savings account.

The Results for Citibank, National Association

Savings Boost of
$7,955 over 10 years
Cash Savings $20,000
Average Interest Earned $312

Citibank, National Association Interest Earned $8,267



See comparison detail table

This analysis is for demonstrative purposes only and may change should certain assumptions prove incorrect. Savings rates may change and CD rates may not be renewable for the length of the term of the analysis. The difference between the bank rate entered and the average rate may not remain constant throughout the term.

Comparison Detail Table Close X

Average Rate Scenario

Annual Interest
(After Tax)
1 20,000 44 31
2 20,044 44 31
3 20,088 44 31
4 20,133 44 31
5 20,177 45 31
6 20,222 45 31
7 20,267 45 31
8 20,311 45 31
9 20,356 45 31
10 20,401 45 32
TOTAL: $446 $312

Citibank, National Association Scenario

Annual Interest
(After Tax)
1 20,000 950 665
2 20,950 995 697
3 21,945 1,042 730
4 22,988 1,092 764
5 24,079 1,144 801
6 25,223 1,198 839
7 26,421 1,255 879
8 27,676 1,315 920
9 28,991 1,377 964
10 30,368 1,442 1,010
TOTAL: $11,810 $8,267

Take Action

The accounts below offer some of the best rates in the country can be opened online, and are available nationally. As the calculator shows, changing accounts to earn a higher interest rate can really add up over time.

Recent Rate Changes

Date APY
May 8, 2024 4.75%
October 3, 2023 5.00%
August 20, 2023 4.25%

Featured CD Rates

Advertiser Disclosure

13-Month Online CD - Save for the things you want later. Easy online application.


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7-Month CD Special - Save for the things you want later. Easy online application.


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5 Month CD Special. Must be linked to a standard consumer or business checking account in which 12.6% of the total combined balance is maintained. Otherwise APY is 5.25%.

Customer Reviews for Citibank, National Association

  • February 25, 2022 |

    I joined Citi with a Costco-VISA card. An Accelerate followed, and then a checking account.

    Costco-VISA is necessary for using a credit card at Costco, otherwise cash is necessary.
    Accelerate Savings was opened to park some cash with a decent rate (though not the highest).
    Checking was added to have access to large amounts from Accelerated Savings.

    It is difficult dealing with a bank that is not local. Calling customer service sometimes has a wait-time and many agents are unable to provide information when it is more complicated than the current balance. Some agents are much better.

    There are limits to moving money from the Accelerate account.
    • Online transfer limit $10,000/day; $15,000/30 days
    • ATM (Target, and many others) $1,500/day, unlimited days
    Easy way around it: transfer funds to checking and write a check for as much as you want.

    Banks insured by the FDIC are a commodity. Money goes in; earns some interest; money goes out. They are differentiated by interest rate, easy of money movement, and accessibility of information. Citi is medium – 3-stars. My local bank is also 3-stars – lower interest rate, but better services.

    I prefer dealing person-to-person, but 435 miles to the closest Citi branch is a bit too far.

  • August 26, 2020 |

    I opened a CITI online account in order to take advantage of bonus reward money. While I was trying to link my external account, CITI debited that account and the money was denied. It was a matter of the account not being linked yet. I had an alert on my CITI account that they were charging me an insufficient fund fee. When I called customer service to tell them I just opened the account, they said there was no charge. i had the printed page but they could not find a charge. Then, my savings was showing a .1% interest rate instead of a 1.05%. When I called about that they said that was a different account. i am afraid to move the money for fear of not getting the $700 bonus reward money. Let's see if I even get that. My money will be coing out of there in 90 days after the bonus money is deposited.

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