Barclays vs. Climate First Bank
Compare rates, requirements, and features side-by-side to find the best option for you.
| Metric | BarclaysTiered Savings Jan 21, 2026 | Climate First BankSuper Duper Savings Account Jan 21, 2026 |
|---|---|---|
| APY | 3.85% - 4.00% | 4.21% |
Est. Earnings | $5,000+$193 $10,000+$385 $25,000+$963 | $5,000+$211 $10,000+$421 $25,000+$1,053 |
Min Deposit | $0 | $50 |
Snapshot view. Rates subject to change. | ||
Terms | The 4.00% APY is only available for balances over $250,000. For lower balances, the APY is 3.85%. | - |
| Features | FDIC InsuredHigh MinimumGreat iOS AppGreat Android App | FDIC InsuredLow MinimumsGreat iOS AppGreat Android AppIn-Person AccessZelle® Supported |
Comparison Analysis
Comparing Barclays vs. Climate First Bank
As of Barclays offers an APY of 4.00% for its Tiered Savings account, with a minimum balance of $250,000, 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 $36 more than Barclays on a $10,000 balance after one year. Barclays pays $385 (with an effective APY of 3.85%), while Climate First Bank pays $421 - an APY advantage for Climate First Bank.
In addition, Barclays also offers 3.60% APY for the Online Savings account, with a minimum balance of Enough to earn $0.01 in interest.
Why Barclays?
- ✓Offers 2 different high-yield savings options
Why Climate First Bank?
- ✓Higher potential APY (4.21% vs 3.60%-4.00%) on all balances
- ✓Physical branch access (3 locations in Florida (St. Petersburg, Mount Dora, Winter Park), and one coming soon in Orlando, FL)
- ✓Fast transfers via Zelle®
— 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 $385/yr).
Better Returns at $25,000
Climate First BankClimate First Bank's Super Duper Savings Account pulls ahead with larger amounts (approx. $1053 vs $963/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 $36 more interest on a $10,000 balance than Barclays's Tiered Savings.
*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 competitive Super Duper Savings Account with an APY of 4.21%, making it the standout option compared to Barclays' Tiered Savings account, which yields 4.00% for balances over $250,000 and 3.85% for lower amounts. Climate First Bank's account has a lower minimum deposit requirement of $50 and no maintenance fees if electronic statements are selected. Additionally, it does not require direct deposit, enhancing its appeal for simplicity. In contrast, Barclays' Online Savings account offers a lower APY of 3.60%. Both banks provide online-only services and are FDIC insured.
The analysis is based on current Banksparency database records
* This content is provided for informational purposes only; always verify details with the provider.
Non-sponsored link to official site
Non-sponsored link to official site
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Barclays vs. Climate First Bank Savings Calculator
You earn $36 more with Climate First Bank than Barclays 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.
Barclays
Tiered Savings
Higher APY requires $250,000
Savings Breakdown
- Interest Earned+$385.00(3.7%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,385.00
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 | Barclays | Climate First Bank |
|---|---|---|
| APY | 4.00% Range: 3.85% - 4.00% Verified: 1/21/2026 ↘︎ 0.10%90d Change | 4.21% Verified: 1/21/2026 - |
| Product Name | Tiered Savings | Super Duper Savings Account |
| Minimum Deposit | $0 | $50 |
| Min. Balance for APY | $250,000 | $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 Android4.7 | iOS4.9 Android4.4 |
| Zelle® Support | Not Supported | Available Verified in Climate First Bank Personal app. |
| BBB Rating | A+ | A- |
| Important Notes | The 4.00% APY is only available for balances over $250,000. For lower balances, the APY is 3.85%. | - |
| Next Steps | Visit SiteVerify at Barclays 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 | Barclays | Climate First Bank | |
|---|---|---|---|
| Online Savings | Tiered Savings | Super Duper Savings Account | |
Current APY | 3.60% | 4.00% | 4.21% |
Trend | Stable | Stable | Stable |
Velocity (bps/mo) | 0.0 | 0.0 | 0.0 |
Days Since Change | 56 | 56 | 56 |
2-Month High | 3.60% | 4.00% | 4.21% |
2-Month Low | 3.60% | 4.00% | 4.21% |
Adjustments / Mo | 0.00 | 0.00 | 0.00 |
Volatility Score | 0.000 | 0.000 | 0.000 |
How to read these metrics(Click to expand)
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