Climate First Bank: Savings Account & Rates

By Aviel Fahl

Updated: 1/21/2026

Mission: Banksparency aims to make Climate First Bank's savings account transparent and comparable to the market.

Interest rates reported as APY

Savings Overview

Super Duper Savings Account

Top 20 Rate

4.21% APY

StableNo rate changes in last 30 days

Min: $50 Branch Access

Min. Deposit	$50
Min. Balance	$0
Maintenance Fee	$0, if electronic statements selected, otherwise $5

Rank #9 of 99 tracked.

National Avg: 0.39% (FDIC, 12/15/2025).
Banksparency tracks live rates daily.

Bank Overview

HQ LocationSaint Petersburg, Florida
Founded2021
Ratings & Trust
4.9iOS 4.4Android A-BBB Not BBB Accredited
Zelle® SupportAvailable
Verified in Climate First Bank Personal app.
Deposit InsuranceFDIC Insured(Cert: 59257)

Visit Official Website

Featured Offers

Axos ONE - High Yield Savings & Checking

Over 95,000 fee-free ATMs
Get paid up to 2 days early with Direct Deposit
One convenient app for spending & saving

FDIC Insured

Savings4.31%APY

Checking0.51%APY

Go to Axos Bank

Member, FDIC

View Details

Monthly Maintenance Fee	None
Min. Deposit to Savings Account	$0
Min. Balance in Savings Account	$0
How to qualify for APY	OPTION ADirect Deposit $1,500+ AND Maintain $1,500+ avg daily checking balance. OR OPTION BDeposit $5,000+ total/mo AND Maintain $5,000+ avg daily checking balance.
Mobile Ratings	iOS:4.7 Android:4.5

The 4.31% APY is available with the Axos ONE savings and checking bundle. The checking account earns 0.51% APY. To qualify, you must either set up a direct deposit of $1,500 and maintain an average daily balance of more than $1,500 in your ONE Checking account, or receive at least $5,000 in total monthly qualifying deposits and maintain an average daily balance of more than $5,000.

EASY TRANSFERS, LOW MINIMUMS

SponsoredVerified Jan 21, 2026

FDIC Insured

Quontic High Yield Savings

Apply in 3 minutes or less
No monthly service fees
Transfer with Zelle, Apple Pay, G-Pay, and more

FDIC Insured

Savings3.50%APY

Go to Quontic Bank

Member, FDIC

View Details

Monthly Maintenance Fee	None
Min. Deposit to Savings Account	$100
Min. Balance in Savings Account	$0
Mobile Ratings	iOS:4.8 Android:4.9

PREMIUM ACCOUNT, GENEROUS BONUS

SponsoredVerified Jan 21, 2026

FDIC Insured

CIT Bank - Platinum Savings

Competitive APY - with a balance of $5,000+
Earn up to $300 bonus with qualifying deposit
Highly rated mobile apps

FDIC Insured

Savings3.75%APY

Up to$300Bonus

Go to CIT Bank

Member, FDIC

View Details

Monthly Maintenance Fee	None
Min. Deposit to Savings Account	$100
Min. Balance in Savings Account	$5,000
Mobile Ratings	iOS:4.8 Android:4.6

This is a tiered savings account, where the 3.75% APY requires meeting the $5,000 balance requirement. Lower balances earn an APY of 0.25%.

Our Take on Climate First Bank

The Good

Competitive 4.21% APY
Low opening deposit ($50)
Highly rated mobile apps (iOS: 4.9, Android: 4.4)
Access to physical branches

Considerations

Monthly maintenance fee of $5

Verdict

Climate First Bank offers the Super Duper Savings Account with a competitive APY of 4.21%. This account requires a low opening deposit of just $50 and provides access to highly rated mobile apps (iOS: 4.9, Android: 4.4) as well as physical branches. There are no promotional or tiered rates, and it does not require a checking account or direct deposit. However, be aware of a monthly maintenance fee of $5.

Top Market Contenders

Synchrony Bank

3.65% APY

vs. Climate First Bank

Barclays

4.00% APY

vs. Climate First Bank

CIT Bank

3.75% APY

vs. Climate First Bank

Popular Peer Comparisons

American Express vs SoFi Bank Ally Bank vs American Express Barclays vs CIT Bank Marcus by Goldman Sachs vs Synchrony Bank Barclays vs Marcus by Goldman Sachs Discover Bank vs Synchrony Bank

Savings Account: In-Depth View

Savings Account Offered by Climate First Bank

Feature	Super Duper Savings Account
APY	4.21%Verified: 1/21/2026
APY Trend	StableNo rate changes in last 30 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

All calculations are based on APY.

Selected Product

Super Duper Savings Account4.21% APY

Initial Deposit

Recurring Deposit

Frequency

Duration

Savings Breakdown

Interest Earned
+$1,654.80(10.6%)
Total Contributions
$13,000
Initial Deposit
$1,000

Projected Balance

$15,654.80

Effective APY

4.21%

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 2 Months

Metric	Super Duper Savings Account
Latest APY	4.21%
Trend	Sideways
Slope (bps/mo)	0.0
Rate Changes / Mo	0.00
Days Since Last Change	56
High (-2m)	4.21%
Low (-2m)	4.21%
Draw-down	0.0%
Volatility (CV)	0.000

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 57-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	4.21%Verified: 1/21/2026	-
APY Trend	StableNo rate changes in last 30 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 4.21% with other banks

Bank Pair	Competitor APY	Min Deposit
Climate First Bank vs Ally Bank	3.30%	$0
Climate First Bank vs American Express	3.30%	$0
Climate First Bank vs Axos Bank	4.31%	$0
Climate First Bank vs Bank of America	0.01%	$100
Climate First Bank vs Barclays	4.00%	$0
Climate First Bank vs Capital One	3.30%	$0
Climate First Bank vs Chase Bank	0.01%	$0
Climate First Bank vs Chime	3.50%	$0
Climate First Bank vs CIT Bank	3.75%	$100
Climate First Bank vs Citibank	3.30%	$0
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	3.65%	$0
Climate First Bank vs Newtek Bank	4.35%	$0.01
Climate First Bank vs Openbank	4.20%	$500
Climate First Bank vs Pibank	4.60%	$0
Climate First Bank vs SoFi Bank	4.00%	$0
Climate First Bank vs Synchrony Bank	3.65%	$0
Climate First Bank vs Varo Bank	5.00%	$0
Climate First Bank vs Wealthfront	3.90%	$0
Climate First Bank vs Wells Fargo	0.05%	$25