I know this question has been raised before but can't find where. Another player and I have been discussing this for awhile now and if I remember correctly the interest rate on creds in citadels is 2% compounded continuously and is hardcoded into TWGS. The other point of view is that the interest rate goes up according to the amount of creds in citadel (i.e 100 million, 1 billion etc). My view is that it remains constant whether creds are gathered in 1 citadel or spread around. Has anyone ever tested this and found the answer?
Thanks!

Always 2% FC.

Tell the other side of this arguement they need to learn to do math.

As for the question of "will scattering cash out among several cits draw more interest?". The answer is no. There might be a slight difference of rounding off each figure, but it would mean a very minimal gain (or loss).