High-Yield Savings Account Comparison

Barclays 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 Barclays vs Climate First Bank savings accounts
Metric

Barclays

Tiered Savings

Jan 21, 2026

Climate First Bank

Super Duper Savings Account

Jan 21, 2026
APY3.85% - 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

Updated: Jan 21, 2026

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 Bank

Climate First Bank's Super Duper Savings Account earns more on smaller deposits (approx. $421 vs $385/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 $963/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

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 $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.

BarclaysClimate First Bank

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.

Verify At
Barclays

Non-sponsored link to official site

Verify At
Climate First Bank

Non-sponsored link to official site

Top Market Contenders

Marcus by Goldman Sachs
3.65% APY

Barclays vs. Climate First Bank Savings Calculator

Calculations based on current APY for Tiered Savings and Super Duper Savings Account
$
$

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

4.00% APY

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

Effective APY
3.85%

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.

FeatureBarclaysClimate 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 NameTiered SavingsSuper 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 AccessNoneYes
Account Type
Online Only
Online & Branches
Direct Deposit Req.NoneNone
Checking BundleNoNo
Mobile Apps
iOS4.9
Android4.7
iOS4.9
Android4.4
Zelle® Support
Not Supported
Available
Verified in Climate First Bank Personal app.
BBB RatingA+A-
Important NotesThe 4.00% APY is only available for balances over $250,000. For lower balances, the APY is 3.85%.-
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
MetricBarclaysClimate First Bank
Online SavingsTiered SavingsSuper Duper Savings Account
Current APY
3.60%4.00%4.21%
Trend
Stable Stable Stable
Velocity (bps/mo)
0.00.00.0
Days Since Change
565656
2-Month High
3.60%4.00%4.21%
2-Month Low
3.60%4.00%4.21%
Adjustments / Mo
0.000.000.00
Volatility Score
0.0000.0000.000
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 Barclays' APY of 4.00% with other banks
Bank PairCompetitor APYMin Deposit
Barclays vs Affirm3.20%$0
Barclays vs Ally Bank3.30%$0
Barclays vs American Express3.30%$0
Barclays vs Axos Bank4.31%$0
Barclays vs Bank of America0.01%$100
Barclays vs Bask Bank3.75%$0
Barclays vs Betterment3.25%$10
Barclays vs BMO Alto3.25%$0
Barclays vs Bread Savings4.00%$100
Barclays vs BrioDirect3.75%$5,000
Barclays vs Capital One3.30%$0
Barclays vs Carver Bank4.00%$5,000
Barclays vs Charles Schwab Bank0.15%$0
Barclays vs Chase Bank0.01%$0
Barclays vs Chime3.50%$0
Barclays vs CIT Bank3.75%$100
Barclays vs Citibank3.30%$0
Barclays vs Citizens Access™3.15%$0.01
Barclays vs Colorado Federal Savings Bank4.05%$50,000
Barclays vs Discover Bank3.30%$0
Barclays vs E*TRADE from Morgan Stanley3.50%$0
Barclays vs Elevault3.82%$0
Barclays vs EverBank3.90%$0
Barclays vs Fitness Bank4.75%$100
Barclays vs FNBO Direct3.00%$1
Barclays vs Forbright Bank3.85%$0
Barclays vs FVCbank3.85%$500
Barclays vs GO2bank4.50%$0
Barclays vs Ivy Bank4.00%$2,500
Barclays vs Jenius Bank4.05%$0
Barclays vs LendingClub4.00%$0
Barclays vs Marcus by Goldman Sachs3.65%$0
Barclays vs MutualOne Bank4.07%$20,000
Barclays vs My Banking Direct4.02%$500
Barclays vs Neighbors Bank4.20%$0
Barclays vs Newtek Bank4.35%$0.01
Barclays vs Openbank4.20%$500
Barclays vs Peak Bank3.99%$100
Barclays vs Pibank4.60%$0
Barclays vs PNC3.30%$0
Barclays vs Popular Direct3.90%$100
Barclays vs Presidential Bank3.75%$5,000
Barclays vs Quontic Bank3.50%$100
Barclays vs Salem Five Direct3.61%$10
Barclays vs Sallie Mae Bank3.90%$0
Barclays vs Santander Bank0.01%$25
Barclays vs SoFi Bank4.00%$0
Barclays vs Synchrony Bank3.65%$0
Barclays vs TD Bank2.36%$0
Barclays vs TIMBR4.15%$1,000
Barclays vs UFB Direct3.46%$5000
Barclays vs Upgrade3.05%$0
Barclays vs Valley Direct4.00%$1,000
Barclays vs Varo Bank5.00%$0
Barclays vs Vio Bank4.09%$100
Barclays vs Wealthfront3.90%$0
Barclays vs Wells Fargo0.05%$25
Barclays 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 American Express3.30%$0
Climate First Bank vs Axos Bank4.31%$0
Climate First Bank vs Bank of America0.01%$100
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