Climate First Bank: Savings Account & Rates
Mission: Banksparency aims to make Climate First Bank's savings accounts transparent and comparable to the market.
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
- Deposit InsuranceFDIC Insured(Cert: 59257)
Our Take on Climate First Bank
Highlights
- Highest APY at 4.21%
- No maintenance fees with electronic statements
- Low minimum deposit of $50
- Good app ratings: 4.9 on App Store
Considerations
- Maintenance fee of $5 without electronic statements
- No direct deposit option
- Limited branch locations in Florida
- Not BBB Accredited
Top Market Contenders
See how Climate First Bank compares to the highest rates available.
Savings Account: In-Depth View
Savings Account Offered by Climate First Bank
| Feature | Super Duper Savings Account |
|---|---|
APY | 4.21%Verified: 12/6/2025 |
APY Trend | StableNo rate changes in last 7 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+$1,654.80(10.6%)
- Total Contributions$13,000
- Initial Deposit$1,000
Projected Balance
$15,654.80
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 1 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 | 10 |
High (-1m) | 4.21% |
Low (-1m) | 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 11-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: 12/6/2025 | - |
APY Trend | StableNo rate changes in last 7 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
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