Climate First Bank: Savings Account & Rates
Mission: Banksparency aims to make Climate First Bank's savings account transparent and comparable to the market.
Analysis of Climate First Bank
Our verdict
Climate First Bank offers Super Duper Savings Account, a high-yield savings account paying 4.01% APY with a $50 minimum deposit.
At 4.01% APY, Climate First Bank pays 11x the national average (0.38%). Ranks in the top tier of 97+ accounts tracked.
Ideal User Profile
- Best for: earning a top rate with no strings attached, quick transfers with Zelle, and having a branch nearby when you need one.
Key Differentiators
- Stands out with top-rated iOS app (4.9), highly-rated Android app (4.6), A+ BBB rating, in-person banking available, Zelle for instant transfers.
Savings Overview
Super Duper Savings Account
| Min. Deposit | $50 |
| Min. Balance | $0 |
| Maintenance Fee | $0, if electronic statements selected, otherwise $5 |
Bank Overview
- HQ LocationSaint Petersburg, Florida
- Founded2021
- Ratings & Trust
- Zelle® SupportAvailableVerified in Climate First Bank Personal app.
- Deposit InsuranceFDIC Insured(Cert: 59257)
Top Market Contenders
Savings Account: In-Depth View
Savings Account Offered by Climate First Bank
| Feature | Super Duper Savings Account |
|---|---|
APY | 4.01%Verified: 6/5/2026 |
APY Trend | Very StableNo rate changes in last 90 days |
Min. Deposit | $50 |
Min. Balance | $0 |
Monthly Fee | $0, if electronic statements selected, otherwise $5 |
Direct Deposit | None |
Checking Bundle | No |
Branch Access | Yes |
Compounding | N/A |
FDIC Insured | Yes |
Eligibility | United States |
| Next Steps | - |
Calculate Savings for Climate First Bank
Savings Breakdown
- Interest Earned+$1,572.20(10.1%)
- Total Contributions$13,000
- Initial Deposit$1,000
Projected Balance
$15,572.20
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
Climate First Bank Savings Rates Over Time
Historical APY Insights
Last 6 Months| Metric | Super Duper Savings Account |
|---|---|
Latest APY | 4.01% |
Trend | Sideways |
Slope (bps/mo) | -4.7 |
Rate Changes / Mo | 0.16 |
Days Since Last Change | 98 |
High (-6m) | 4.21% |
Low (-6m) | 4.01% |
Draw-down | -4.8% |
Volatility (CV) | 0.024 |
How to read these metrics▼
Trends & Velocity
- Trend
- The general direction of the rate over the analyzed period. Useful for spotting if a bank is currently aggressive or pulling back.
- Slope (bps/mo)
- Speed of change. A high positive number means they raise rates quickly. 10 bps = 0.10%.
- Rate Changes / Mo
- "Twitchiness." High frequency means the rate changes constantly; low frequency means it's stable.
Risk & Range
- High/Low
- The absolute ceiling and floor of the rate during the 192-day window.
- Volatility Score
- Lower is better for predictability. It indicates how wildly the rate swings relative to its average.
- Days Since Change
- If this number is high (e.g., >90), the rate is very sticky. If low, it changed recently.
Why track this? Understanding volatility helps you avoid "bait-and-switch" rates. A steady, rising slope is ideal; high volatility often signals a temporary teaser rate.
Compare with Climate First Bank
| Feature | Current View Climate First Bank | Empty Slot |
|---|---|---|
| Product | Super Duper Savings Account | - |
APY | 4.01%Verified: 6/5/2026 | - |
APY Trend | Very StableNo rate changes in last 90 days | - |
| Min. Deposit | $50 | - |
| Monthly Fee | $0, if electronic statements selected, otherwise $5 | - |
Direct Deposit | No | - |
Checking Bundle | No | - |
| Branch Access | Yes | - |
| Eligibility | United States | - |
Compounding | N/A | - |
FDIC Insured | Yes | - |
| Next Steps | - | - |
Bank-to-Bank Comparisons
Compare Climate First Bank's APY of 4.01% with other banks
| Bank Pair | Competitor APY | Min Deposit |
|---|---|---|
| Climate First Bank vs Ally Bank | 3.10% | $0 |
| Climate First Bank vs American Express | 3.10% | $0 |
| Climate First Bank vs Axos Bank | 4.21% | $0 |
| Climate First Bank vs Barclays | 3.75% | $0 |
| Climate First Bank vs Capital One | 3.00% | $0 |
| Climate First Bank vs Chime | 3.00% | $0 |
| Climate First Bank vs CIT Bank | 3.75% | $100 |
| Climate First Bank vs Discover Bank | 3.30% | $0 |
| Climate First Bank vs EverBank | 3.90% | $0 |
| Climate First Bank vs Marcus by Goldman Sachs | 3.40% | $0 |
| Climate First Bank vs Newtek Bank | 4.20% | $0.01 |
| Climate First Bank vs Openbank | 4.00% | $500 |
| Climate First Bank vs Pibank | 4.40% | $0 |
| Climate First Bank vs SoFi Bank | 3.80% | $0 |
| Climate First Bank vs Synchrony Bank | 3.40% | $0 |
| Climate First Bank vs Varo Bank | 5.00% | $0 |
| Climate First Bank vs Wealthfront | 4.20% | $0 |
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