High-Yield Savings Account Comparison

American Express vs. Climate First Bank

Compare rates, requirements, and features side-by-side to find the best option for you.

Analysis by Aviel Fahl
Updated January 21, 2026
Comparison of American Express vs Climate First Bank savings accounts
Metric

American Express

High Yield Savings Account

Jan 21, 2026

Climate First Bank

Super Duper Savings Account

Jan 21, 2026
APY3.30%4.21%
Est. Earnings
$5,000+$165
$10,000+$330
$25,000+$825
$5,000+$211
$10,000+$421
$25,000+$1,053
Min Deposit
$0$50

Snapshot view. Rates subject to change.

Features
FDIC InsuredNo MinimumsGreat iOS AppZelle® Supported
FDIC InsuredLow MinimumsGreat iOS AppGreat Android AppIn-Person AccessZelle® Supported

Comparison Analysis

Comparing American Express vs. Climate First Bank

Updated: Jan 21, 2026

As of American Express offers an APY of 3.30% for its High Yield Savings Account, with a minimum balance of $0, compared to Climate First Bank's 4.21% APY for its Super Duper Savings Account, with a minimum balance of $0.

Climate First Bank pays $91 more than American Express on a $10,000 balance after one year. American Express pays $330, while Climate First Bank pays $421 - an APY advantage for Climate First Bank.

Why American Express?

No distinct advantages found vs Climate First Bank.

Why Climate First Bank?

  • Higher potential APY (4.21% vs 3.30%) on all balances
  • Physical branch access (3 locations in Florida (St. Petersburg, Mount Dora, Winter Park), and one coming soon in Orlando, FL)
  • Higher rated Android app (4.4 vs 3.6)

— Key Feature Differences —

Better Returns at $10,000
Climate First Bank

Climate First Bank's Super Duper Savings Account earns more on smaller deposits (approx. $421 vs $330/yr).

Better Returns at $25,000
Climate First Bank

Climate First Bank's Super Duper Savings Account pulls ahead with larger amounts (approx. $1053 vs $825/yr).

Best for Simplicity
Climate First Bank

Climate First Bank's Super Duper Savings Account offers 4.21% APY with no bundling, direct deposit requirement or caps.

Shared Benefits

Fast transfers via Zelle® Available Nationwide Available to New & Existing Customers
The Bottom Line on APY (Interest Only)

Over a 1-year period, Climate First Bank's Super Duper Savings Account pays $91 more interest on a $10,000 balance than American Express's High Yield Savings Account.

*This calculation assumes current rates remain consistent for 1 year and does not include temporary bonuses.

American ExpressClimate First Bank

Executive Summary as of

Climate First Bank offers a superior savings option with its Super Duper Savings Account, featuring an impressive APY of 4.21%. This account stands out for its simplicity, requiring only a minimum deposit of $50 and no direct deposit requirement. In comparison, American Express provides a High Yield Savings Account with a lower APY of 3.30%, also with no minimum balance or maintenance fees, but it is an online-only product. While both accounts are FDIC insured, Climate First Bank's higher yield makes it the more attractive choice for savers.

The analysis is based on current Banksparency database records

* This content is provided for informational purposes only; always verify details with the provider.

Verify At
American Express

Non-sponsored link to official site

Verify At
Climate First Bank

Non-sponsored link to official site

Top Market Contenders

American Express vs. Climate First Bank Savings Calculator

Calculations based on current APY for High Yield Savings Account and Super Duper Savings Account
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You earn $91 more with Climate First Bank than American Express on a $10,000 initial deposit for 1 year*.

*This calculation assumes that APYs remain unchanged for 1 year, and takes into account known promo rate periods, but does not factor in bonuses. You can see how often these banks have changed their rates in the Compare Savings Rates Over Time section below.

American Express

High Yield Savings Account

3.30% APY

Savings Breakdown

  • Interest Earned
    +$330.00(3.2%)
  • Total Contributions
    $0
  • Initial Deposit
    $10,000

Projected Balance

$10,330.00

Effective APY
3.30%

Climate First Bank

Super Duper Savings Account

4.21% APY

Savings Breakdown

  • Interest Earned
    +$421.00(4.0%)
  • Total Contributions
    $0
  • Initial Deposit
    $10,000

Projected Balance

$10,421.00

Effective APY
4.21%

The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.

FeatureAmerican ExpressClimate First Bank
APY
3.30%
Verified: 1/21/2026
↘︎ 0.20%90d Change
4.21%
Verified: 1/21/2026
-
Product NameHigh Yield Savings AccountSuper Duper Savings Account
Minimum Deposit$0$50
Min. Balance for APY$0$0
Monthly Fee$0$0, if electronic statements selected, otherwise $5
Branch AccessNoneYes
Account Type
Online Only
Online & Branches
Direct Deposit Req.NoneNone
Checking BundleNoNo
Mobile Apps
iOS4.9
Android3.6
iOS4.9
Android4.4
Zelle® Support
Available
Requires Amex Rewards Checking; not available for standalone HYSA.
Available
Verified in Climate First Bank Personal app.
BBB RatingFA-
Next Steps
Visit Site

Non-sponsored link to official site

Visit Site

Non-sponsored link to official site

📈 Compare Savings Rates Over Time

Historical Performance

Last 2 Months Analysis
MetricAmerican ExpressClimate First Bank
High Yield Savings AccountSuper Duper Savings Account
Current APY
3.30%4.21%
Trend
Stable Stable
Velocity (bps/mo)
-7.60.0
Days Since Change
2256
2-Month High
3.40%4.21%
2-Month Low
3.30%4.21%
Adjustments / Mo
0.530.00
Volatility Score
0.0150.000
How to read these metrics(Click to expand)

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.
  • Velocity (bps/mo): Speed of change. A high positive number means they raise rates quickly. 10 bps = 0.10%.
  • Adjustments/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.

More Comparisons

Compare American Express' APY of 3.30% with other banks
Bank PairCompetitor APYMin Deposit
American Express vs Affirm3.20%$0
American Express vs Ally Bank3.30%$0
American Express vs Axos Bank4.31%$0
American Express vs Bank of America0.01%$100
American Express vs Barclays4.00%$0
American Express vs Bask Bank3.75%$0
American Express vs Betterment3.25%$10
American Express vs BMO Alto3.25%$0
American Express vs Bread Savings4.00%$100
American Express vs BrioDirect3.75%$5,000
American Express vs Capital One3.30%$0
American Express vs Carver Bank4.00%$5,000
American Express vs Charles Schwab Bank0.15%$0
American Express vs Chase Bank0.01%$0
American Express vs Chime3.50%$0
American Express vs CIT Bank3.75%$100
American Express vs Citibank3.30%$0
American Express vs Citizens Access™3.15%$0.01
American Express vs Colorado Federal Savings Bank4.05%$50,000
American Express vs Discover Bank3.30%$0
American Express vs E*TRADE from Morgan Stanley3.50%$0
American Express vs Elevault3.82%$0
American Express vs EverBank3.90%$0
American Express vs Fitness Bank4.75%$100
American Express vs FNBO Direct3.00%$1
American Express vs Forbright Bank3.85%$0
American Express vs FVCbank3.85%$500
American Express vs GO2bank4.50%$0
American Express vs Ivy Bank4.00%$2,500
American Express vs Jenius Bank4.05%$0
American Express vs LendingClub4.00%$0
American Express vs Marcus by Goldman Sachs3.65%$0
American Express vs MutualOne Bank4.07%$20,000
American Express vs My Banking Direct4.02%$500
American Express vs Neighbors Bank4.20%$0
American Express vs Newtek Bank4.35%$0.01
American Express vs Openbank4.20%$500
American Express vs Peak Bank3.99%$100
American Express vs Pibank4.60%$0
American Express vs PNC3.30%$0
American Express vs Popular Direct3.90%$100
American Express vs Presidential Bank3.75%$5,000
American Express vs Quontic Bank3.50%$100
American Express vs Salem Five Direct3.61%$10
American Express vs Sallie Mae Bank3.90%$0
American Express vs Santander Bank0.01%$25
American Express vs SoFi Bank4.00%$0
American Express vs Synchrony Bank3.65%$0
American Express vs TD Bank2.36%$0
American Express vs TIMBR4.15%$1,000
American Express vs UFB Direct3.46%$5000
American Express vs Upgrade3.05%$0
American Express vs Valley Direct4.00%$1,000
American Express vs Varo Bank5.00%$0
American Express vs Vio Bank4.09%$100
American Express vs Wealthfront3.90%$0
American Express vs Wells Fargo0.05%$25
American Express vs Zynlo Bank3.85%$10
Compare Climate First Bank's APY of 4.21% with other banks
Bank PairCompetitor APYMin Deposit
Climate First Bank vs Affirm3.20%$0
Climate First Bank vs Ally Bank3.30%$0
Climate First Bank vs Axos Bank4.31%$0
Climate First Bank vs Bank of America0.01%$100
Climate First Bank vs Barclays4.00%$0
Climate First Bank vs Bask Bank3.75%$0
Climate First Bank vs Betterment3.25%$10
Climate First Bank vs BMO Alto3.25%$0
Climate First Bank vs Bread Savings4.00%$100
Climate First Bank vs BrioDirect3.75%$5,000
Climate First Bank vs Capital One3.30%$0
Climate First Bank vs Carver Bank4.00%$5,000
Climate First Bank vs Charles Schwab Bank0.15%$0
Climate First Bank vs Chase Bank0.01%$0
Climate First Bank vs Chime3.50%$0
Climate First Bank vs CIT Bank3.75%$100
Climate First Bank vs Citibank3.30%$0
Climate First Bank vs Citizens Access™3.15%$0.01
Climate First Bank vs Colorado Federal Savings Bank4.05%$50,000
Climate First Bank vs Discover Bank3.30%$0
Climate First Bank vs E*TRADE from Morgan Stanley3.50%$0
Climate First Bank vs Elevault3.82%$0
Climate First Bank vs EverBank3.90%$0
Climate First Bank vs Fitness Bank4.75%$100
Climate First Bank vs FNBO Direct3.00%$1
Climate First Bank vs Forbright Bank3.85%$0
Climate First Bank vs FVCbank3.85%$500
Climate First Bank vs GO2bank4.50%$0
Climate First Bank vs Ivy Bank4.00%$2,500
Climate First Bank vs Jenius Bank4.05%$0
Climate First Bank vs LendingClub4.00%$0
Climate First Bank vs Marcus by Goldman Sachs3.65%$0
Climate First Bank vs MutualOne Bank4.07%$20,000
Climate First Bank vs My Banking Direct4.02%$500
Climate First Bank vs Neighbors Bank4.20%$0
Climate First Bank vs Newtek Bank4.35%$0.01
Climate First Bank vs Openbank4.20%$500
Climate First Bank vs Peak Bank3.99%$100
Climate First Bank vs Pibank4.60%$0
Climate First Bank vs PNC3.30%$0
Climate First Bank vs Popular Direct3.90%$100
Climate First Bank vs Presidential Bank3.75%$5,000
Climate First Bank vs Quontic Bank3.50%$100
Climate First Bank vs Salem Five Direct3.61%$10
Climate First Bank vs Sallie Mae Bank3.90%$0
Climate First Bank vs Santander Bank0.01%$25
Climate First Bank vs SoFi Bank4.00%$0
Climate First Bank vs Synchrony Bank3.65%$0
Climate First Bank vs TD Bank2.36%$0
Climate First Bank vs TIMBR4.15%$1,000
Climate First Bank vs UFB Direct3.46%$5000
Climate First Bank vs Upgrade3.05%$0
Climate First Bank vs Valley Direct4.00%$1,000
Climate First Bank vs Varo Bank5.00%$0
Climate First Bank vs Vio Bank4.09%$100
Climate First Bank vs Wealthfront3.90%$0
Climate First Bank vs Wells Fargo0.05%$25
Climate First Bank vs Zynlo Bank3.85%$10