American Express vs. Climate First Bank
Compare rates, requirements, and features side-by-side to find the best option for you.
American Express
High Yield Savings Account
3.40%APYDec 6, 2025FDIC InsuredNo MinimumsGreat iOS AppShow Fine Print & Trends Hide Details
American Express
High Yield Savings Account
Climate First Bank
Super Duper Savings Account
4.21%APYDec 6, 2025FDIC InsuredLow MinimumsGreat iOS AppGreat Android AppIn-Person AccessShow Fine Print & Trends Hide Details
Climate First Bank
Super Duper Savings Account
Comparison Analysis
Comparing American Express vs. Climate First Bank
Why American Express?
No distinct advantages found vs Climate First Bank.
Why Climate First Bank?
- ✓Higher potential APY (4.21% vs 3.40%) 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 BankClimate First Bank's Super Duper Savings Account earns more on smaller deposits (approx. $421 vs $340/yr).
Better Returns at $25,000
Climate First BankClimate First Bank's Super Duper Savings Account pulls ahead with larger amounts (approx. $1053 vs $850/yr).
Best for Simplicity
Climate First BankClimate First Bank's Super Duper Savings Account offers 4.21% APY with no bundling, direct deposit requirement or caps.
Shared Benefits
Over a 1-year period, Climate First Bank's Super Duper Savings Account pays $81 more interest on a $10,000 balance than American Express's High Yield Savings Account.
Executive Summary
Climate First Bank offers a Super Duper Savings Account with a competitive APY of 4.21%, making it the clear winner in this comparison. This account requires a minimum deposit of $50 and has no maintenance fee if electronic statements are selected. In contrast, American Express features a High Yield Savings Account with an APY of 3.40%, which, while solid, is lower than that of Climate First Bank. Both accounts are online-only and do not require direct deposit, but Climate First Bank stands out for its higher yield and better returns on larger deposits.
Analysis generated based on current Banksparency database records
* AI-generated content provided for informational purposes only. Accuracy is not guaranteed; always verify details with the provider.
Top Market Contenders
See who beats both American Express and Climate First Bank.
| Feature | American Express | Climate First Bank |
|---|---|---|
| APY | 3.40% Verified: 12/6/2025 ↘︎ 0.10%90d Change | 4.21% Verified: 12/6/2025 - |
| Product Name | High Yield Savings Account | Super Duper Savings Account |
| Minimum Deposit | $0 | $50 |
| Min. Balance for APY | $0 | $0 |
| Monthly Fee | $0 | $0, if electronic statements selected, otherwise $5 |
| Branch Access | None | Yes |
| Account Type | Online Only | Online & Branches |
| Direct Deposit Req. | None | None |
| Checking Bundle | No | No |
| Mobile Apps | iOS4.9 Android3.6 | iOS4.9 Android4.4 |
| BBB Rating | F | A- |
| Next Steps |
Savings Comparison
Climate First Bank earns $520.3 more than American Express.
American Express
High Yield Savings Account
Savings Breakdown
- Interest Earned+$2,050.50(10.2%)
- Total Contributions$13,000
- Initial Deposit$5,000
Projected Balance
$20,050.50
Climate First Bank
Super Duper Savings Account
Savings Breakdown
- Interest Earned+$2,570.80(12.5%)
- Total Contributions$13,000
- Initial Deposit$5,000
Projected Balance
$20,570.80
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
📈 Compare Savings Rates Over Time
Historical Performance
| Metric | American Express | Climate First Bank |
|---|---|---|
| High Yield Savings Account | Super Duper Savings Account | |
Current APY | 3.40% | 4.21% |
Trend | Stable | Stable |
Velocity (bps/mo) | -0.0 | 0.0 |
Days Since Change | 10 | 10 |
1-Month High | 3.40% | 4.21% |
1-Month Low | 3.40% | 4.21% |
Adjustments / Mo | 0.00 | 0.00 |
Volatility Score | 0.000 | 0.000 |
How to read these metrics(Click to expand)
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