American Express vs. Climate First Bank
Compare rates, requirements, and features side-by-side to find the best option for you.
| Metric | American ExpressHigh Yield Savings Account Jan 21, 2026 | Climate First BankSuper Duper Savings Account Jan 21, 2026 |
|---|---|---|
| APY | 3.30% | 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
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 BankClimate First Bank's Super Duper Savings Account earns more on smaller deposits (approx. $421 vs $330/yr).
Better Returns at $25,000
Climate First BankClimate First Bank's Super Duper Savings Account pulls ahead with larger amounts (approx. $1053 vs $825/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 $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.
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.
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American Express vs. Climate First Bank Savings Calculator
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
Savings Breakdown
- Interest Earned+$330.00(3.2%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,330.00
Climate First Bank
Super Duper Savings Account
Savings Breakdown
- Interest Earned+$421.00(4.0%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,421.00
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
| Feature | American Express | Climate First Bank |
|---|---|---|
| APY | 3.30% Verified: 1/21/2026 ↘︎ 0.20%90d Change | 4.21% Verified: 1/21/2026 - |
| 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 |
| Zelle® Support | Available Requires Amex Rewards Checking; not available for standalone HYSA. | Available Verified in Climate First Bank Personal app. |
| BBB Rating | F | A- |
| Next Steps | Visit SiteVerify at American Express Non-sponsored link to official site | Visit SiteVerify at Climate First Bank Non-sponsored link to official site |
📈 Compare Savings Rates Over Time
Historical Performance
| Metric | American Express | Climate First Bank |
|---|---|---|
| High Yield Savings Account | Super Duper Savings Account | |
Current APY | 3.30% | 4.21% |
Trend | Stable | Stable |
Velocity (bps/mo) | -7.6 | 0.0 |
Days Since Change | 22 | 56 |
2-Month High | 3.40% | 4.21% |
2-Month Low | 3.30% | 4.21% |
Adjustments / Mo | 0.53 | 0.00 |
Volatility Score | 0.015 | 0.000 |
How to read these metrics(Click to expand)
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High Rates (With Checking Bundle)
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