Axos Bank vs. Climate First Bank
Compare rates, requirements, and features side-by-side to find the best option for you.
Axos Bank
Axos ONE
4.31%APYDec 6, 2025FDIC InsuredChecking BundleNo MinimumsGreat iOS AppGreat Android AppShow Fine Print & Trends Hide Details
Axos Bank
Axos ONE
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 Axos Bank vs. Climate First Bank
Why Axos Bank?
- ✓Earn 0.51% APY on checking account
- ✓Access to 95,000 fee-free ATMs
- ✓Offers 2 different high-yield savings options
Why Climate First Bank?
- ✓Physical branch access (3 locations in Florida (St. Petersburg, Mount Dora, Winter Park), and one coming soon in Orlando, FL)
— Key Feature Differences —
Better Returns at $10,000
Axos BankAxos Bank's Axos ONE earns more on smaller deposits (approx. $431 vs $421/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.
Best for All-in-One Banking
Axos BankAxos Bank's Axos ONE pays a superior APY for customers who also open a checking account.
Shared Benefits
Over a 1-year period, Axos Bank's Axos ONE pays $10 more interest on a $10,000 balance than Climate First Bank's Super Duper Savings Account.
Executive Summary
Axos Bank offers a competitive savings option with its Axos ONE account, which provides a high APY of 4.31% when bundled with a checking account, requiring a direct deposit of $1,500 or a total of $5,000 in monthly qualifying deposits. In comparison, Climate First Bank's Super Duper Savings Account yields a slightly lower APY of 4.21%, but it stands out for its simplicity, as it does not require bundling or direct deposits. Both accounts have no maintenance fees and are online-only, with Axos Bank's offerings requiring a checking account for the highest rate.
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.
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| Feature | Axos Bank | Climate First Bank |
|---|---|---|
| APY | 4.31% Verified: 12/6/2025 ↘︎ 0.15%90d Change | 4.21% Verified: 12/6/2025 - |
| Product Name | Axos ONE | 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 | Yes | No |
| Mobile Apps | iOS4.7 Android4.6 | iOS4.9 Android4.4 |
| BBB Rating | A+ | A- |
| Important Notes | 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. | - |
| Next Steps | SponsoredOpen Account |
Savings Comparison
Axos Bank earns $65.1 more than Climate First Bank.
Axos Bank
Axos ONE
Savings Breakdown
- Interest Earned+$2,635.90(12.8%)
- Total Contributions$13,000
- Initial Deposit$5,000
Projected Balance
$20,635.90
Sponsored Link
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 | Axos Bank | Climate First Bank | ||
|---|---|---|---|---|
| High Yield Savings | Summit Savings | Axos ONE | Super Duper Savings Account | |
Current APY | 0.61% | 4.00% | 4.31% | 4.21% |
Trend | Stable | Stable | Stable | Stable |
Velocity (bps/mo) | 0.0 | 0.0 | -81.3 | 0.0 |
Days Since Change | 10 | 10 | 4 | 10 |
1-Month High | 0.61% | 4.00% | 4.51% | 4.21% |
1-Month Low | 0.61% | 4.00% | 4.31% | 4.21% |
Adjustments / Mo | 0.00 | 0.00 | 2.73 | 0.00 |
Volatility Score | 0.000 | 0.000 | 0.023 | 0.000 |
How to read these metrics(Click to expand)
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