Barclays vs. Climate First Bank
Comparing Barclays and Climate First Bank for high-yield savings: Barclays's Tiered Savings pays 3.75% APY while Climate First Bank's Super Duper Savings Account pays 4.01% APY.
See how they compare on rate stability, mobile app ratings, and more below.
The Bottom Line
Who pays more interest on $10,000? Climate First Bank pays $36 more than Barclays annually ($401 vs $365).
Choose Climate First Bank if getting the best rate matters most, you value in-person banking, or you want Zelle for quick transfers.
| Metric | BarclaysTiered Savings Apr 21, 2026 | Climate First BankSuper Duper Savings Account Apr 21, 2026 |
|---|---|---|
| APY | 3.65% - 3.75% | 4.01% |
Est. Earnings | $5,000+$183 $10,000+$365 $25,000+$912 | $5,000+$200 $10,000+$401 $25,000+$1,002 |
Min Deposit | $0 | $50 |
Snapshot view. Rates subject to change. | ||
Terms | The 3.75% APY is only available for balances over $250,000. For lower balances, the APY is 3.65%. | - |
| Features | FDIC InsuredHigh MinimumGreat iOS AppGreat Android AppDaily CompoundingRate Changes Often | FDIC InsuredLow MinimumsGreat iOS AppGreat Android AppIn-Person AccessZelle® SupportedStable Rate |
Comparison Analysis
Comparing Barclays vs. Climate First Bank
Executive Summary
Climate First Bank offers a Super Duper Savings Account with a competitive APY of 4.01%, making it the winner in this comparison. This account requires a minimum deposit of $50 and has no maintenance fees if electronic statements are selected. In contrast, Barclays provides a Tiered Savings account with a higher APY of 3.75% available only for balances over $250,000, while lower balances earn 3.65%. Barclays' account is online-only and has no direct deposit requirement, but it may not be as accessible for smaller savers compared to Climate First Bank's more flexible offerings.
The analysis is based on current Banksparency database records
* This content is provided for informational purposes only; always verify details with the provider.
Why Barclays?
No distinct advantages found vs Climate First Bank.
Why Climate First Bank?
- ✓Higher potential APY (4.01% vs 3.75%) on all balances
- ✓No checking account or direct deposit required
- ✓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. $401 vs $365/yr).
Better Returns at $25,000
Climate First BankClimate First Bank's Super Duper Savings Account pulls ahead with larger amounts (approx. $1002 vs $912/yr).
Best for Simplicity
Climate First BankClimate First Bank's Super Duper Savings Account offers 4.01% 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.
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+$365.00(3.5%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,365.00
Climate First Bank
Super Duper Savings Account
Savings Breakdown
- Interest Earned+$401.00(3.9%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,401.00
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
Still banking with Chase, Bank of America, or Wells Fargo?
On a $10,000 balance, you're missing out on at least $364 per year in interest.
Both Barclays and Climate First Bank dramatically outperform the typical 0.01% APY at traditional big banks.
| Feature | Barclays | Climate First Bank |
|---|---|---|
| APY | 3.75% Range: 3.65% - 3.75% Verified: 4/21/2026 ↘︎ 0.25%90d Change | 4.01% Verified: 4/21/2026 ↘︎ 0.20%90d Change |
| 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 |
| Compound Frequency | Daily | N/A |
| Branch Access | None | Yes |
| Account Type | Online Only | Online & Branches |
| Physical Branches | None | 3 locations in Florida (St. Petersburg, Mount Dora, Winter Park), and one coming soon in Orlando, FL |
| Direct Deposit Req. | None | None |
| Checking Bundle | No | No |
| Mobile Apps | ||
| FDIC Insured | YesVerify FDIC | YesVerify FDIC |
| Zelle® Support | Not Supported | Available Verified in Climate First Bank Personal app. |
| BBB Rating | A+ | A+ |
| Important Notes | The 3.75% APY is only available for balances over $250,000. For lower balances, the APY is 3.65%. | - |
| 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 | |
|---|---|---|---|
| Tiered Savings | Online Savings | Super Duper Savings Account | |
Current APY | 3.75% | 3.50% | 4.01% |
Trend | Stable | Stable | Stable |
Velocity (bps/mo) | -5.0 | -2.9 | -5.6 |
Days Since Change | 6 | 60 | 53 |
5-Month High | 4.00% | 3.70% | 4.21% |
5-Month Low | 3.75% | 3.50% | 4.01% |
Adjustments / Mo | 0.41 | 0.41 | 0.20 |
Volatility Score | 0.021 | 0.012 | 0.023 |
How to read these metrics(Click to expand)
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Compare Barclays' APY of 3.75% with other banks
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