High-Yield Savings Account Comparison

Betterment vs. Climate First Bank

Compare rates, requirements, and features side-by-side to find the best option for you.

Analysis by Aviel Fahl

Updated December 10, 2025

Betterment

Cash Reserve

3.50%

APY

Dec 10, 2025

FDIC InsuredLow MinimumsGreat iOS AppGreat Android App

Show Fine Print & Trends

Min. Deposit	$10
Min. Balance	$0
Maintenance Fee	$0
Compound Freq	N/A
Direct Deposit	Not required
Deposit Insurance	FDIC Insured
Eligibility	United States
Mobile Ratings	iOS:4.8 Android:4.7
BBB Rating	A-(BBB Accredited)

Rate Stability

Rate Adjusted

-0.50%

Since 90 days ago

Read Bank Overview

Climate First Bank

Super Duper Savings Account

4.21%

APY

Dec 10, 2025

FDIC InsuredLow MinimumsGreat iOS AppGreat Android AppIn-Person Access

Show Fine Print & Trends

Min. Deposit	$50
Min. Balance	$0
Maintenance Fee	$0, if electronic statements selected, otherwise $5
Compound Freq	N/A
Direct Deposit	Not required
Branch Access	3 locations in Florida (St. Petersburg, Mount Dora, Winter Park), and one coming soon in Orlando, FL
Deposit Insurance	FDIC Insured(Cert: 59257)
Eligibility	United States
Mobile Ratings	iOS:4.9 Android:4.4
BBB Rating	A-(Not BBB Accredited)

Rate Stability

StableNo rate changes in last 7 days

Read Bank Overview

Betterment vs. Climate First Bank Savings Calculator

Calculations based on current APY for Cash Reserve and Super Duper Savings Account

Initial Deposit

Recurring Deposit

Frequency

Duration

Climate First Bank earns $456.7 more than Betterment.

Betterment

Cash Reserve

3.50% APY

Savings Breakdown

Interest Earned
+$2,114.10(10.5%)
Total Contributions
$13,000
Initial Deposit
$5,000

Projected Balance

$20,114.10

Effective APY

3.50%

View Details

Climate First Bank

Super Duper Savings Account

4.21% APY

Savings Breakdown

Interest Earned
+$2,570.80(12.5%)
Total Contributions
$13,000
Initial Deposit
$5,000

Projected Balance

$20,570.80

Effective APY

4.21%

View Details

The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.

Comparison Analysis

Comparing Betterment vs. Climate First Bank

Updated: Dec 10, 2025

Why Betterment?

✓Higher rated Android app (4.7 vs 4.4)

Why Climate First Bank?

✓Higher potential APY (4.21% vs 3.50%) on all balances
✓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

Climate First Bank

Climate First Bank's Super Duper Savings Account earns more on smaller deposits (approx. $421 vs $350/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 $875/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 $71 more interest on a $10,000 balance than Betterment's Cash Reserve.

*This calculation assumes current rates remain consistent for 1 year and does not include temporary bonuses.

BettermentClimate First Bank

Automated Data Audit

Executive Summary

Climate First Bank offers a competitive Super Duper Savings Account with a high APY of 4.21%, making it the standout choice between the two banks. This account does not require direct deposit and has no maintenance fees if electronic statements are selected, providing a straightforward savings option. In comparison, Betterment's Cash Reserve offers a lower APY of 3.50%, also with no direct deposit requirement, but is only available online. While both accounts have no minimum balance requirements, Climate First Bank's higher yield makes it the preferred option for savers.

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.

ExploreBetterment ExploreClimate First Bank

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TIMBR

Premium Savings Account

FDIC InsuredLow Minimums

4.40% APY

+0.19% vs Climate First Bank

Better Rate

TIMBR vs Betterment TIMBR vs Climate First Bank

Feature	Betterment	Climate First Bank
APY	3.50% Verified: 12/10/2025 ↘︎ 0.50%90d Change	4.21% Verified: 12/10/2025 -
Product Name	Cash Reserve	Super Duper Savings Account
Minimum Deposit	$10	$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	iOS4.8 Android4.7	iOS4.9 Android4.4
BBB Rating	A-	A-
Next Steps	- View Details	- View Details

📈 Compare Savings Rates Over Time

Historical Performance

Last 1 Month Analysis

Metric	Betterment	Climate First Bank
	Cash Reserve	Super Duper Savings Account
Current APYMost recent advertised annual-percentage yield.	3.50%	4.21%
TrendDirection over the last 1 months (regression slope).	Stable	Stable
Velocity (bps/mo)Average monthly change; 10 bps = 0.10 pp.	0.0	0.0
Days Since ChangeRecency of the latest APY adjustment.	15	15
1-Month HighHighest APY in the last 16 days.	3.50%	4.21%
1-Month LowLowest APY in the last 16 days.	3.50%	4.21%
Adjustments / MoTypical number of APY moves per month.	0.00	0.00
Volatility ScoreCoefficient of variation (stdev ÷ mean). Lower is more stable.	0.000	0.000

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 16-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.

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More Comparisons

Compare Betterment's APY of 3.50% with other banks

Bank Pair	Competitor APY	Min Deposit
Betterment vs Affirm	3.60%	$0
Betterment vs Ally Bank	3.30%	$0
Betterment vs American Express	3.40%	$0
Betterment vs Axos Bank	4.31%	$0
Betterment vs Bank of America	0.01%	$100
Betterment vs Barclays	4.00%	$0
Betterment vs Bask Bank	3.90%	$0
Betterment vs BMO Alto	3.25%	$0
Betterment vs Bread Savings	4.10%	$100
Betterment vs BrioDirect	4.00%	$5,000
Betterment vs Capital One	3.40%	$0
Betterment vs Charles Schwab Bank	0.15%	$0
Betterment vs Chase Bank	0.01%	$0
Betterment vs Chime	3.50%	$0
Betterment vs CIT Bank	3.75%	$100
Betterment vs Citibank	3.30%	$0
Betterment vs Citizens Access™	3.15%	$0.01
Betterment vs Discover Bank	3.40%	$0
Betterment vs E*TRADE from Morgan Stanley	3.75%	$0
Betterment vs Elevault	4.08%	$0
Betterment vs EverBank	4.05%	$0
Betterment vs Fitness Bank	4.75%	$100
Betterment vs FNBO Direct	3.00%	$1
Betterment vs Forbright Bank	4.00%	$0
Betterment vs FVCbank	3.85%	$500
Betterment vs GO2bank	4.50%	$0
Betterment vs Ivy Bank	4.25%	$2,500
Betterment vs LendingClub	4.20%	$0
Betterment vs Marcus by Goldman Sachs	3.65%	$0
Betterment vs Neighbors Bank	4.30%	$0
Betterment vs Newtek Bank	4.35%	$0.01
Betterment vs Openbank	4.20%	$500
Betterment vs Peak Bank	4.20%	$100
Betterment vs Pibank	4.60%	$0
Betterment vs PNC	3.53%	$0
Betterment vs Presidential Bank	4.00%	$5,000
Betterment vs Quontic Bank	3.75%	$100
Betterment vs Salem Five Direct	3.71%	$10
Betterment vs Sallie Mae Bank	3.90%	$0
Betterment vs Santander Bank	0.01%	$25
Betterment vs SoFi Bank	4.30%	$0
Betterment vs Synchrony Bank	3.65%	$0
Betterment vs TD Bank	2.75%	$0
Betterment vs TIMBR	4.40%	$1,000
Betterment vs UFB Direct	3.71%	$5000
Betterment vs Upgrade	3.05%	$0
Betterment vs Valley Direct	4.10%	$1,000
Betterment vs Varo Bank	5.00%	$0
Betterment vs Vio Bank	4.16%	$100
Betterment vs Wealthfront	4.15%	$0
Betterment vs Wells Fargo	0.05%	$25
Betterment vs Zynlo Bank	4.05%	$10

Compare Climate First Bank's APY of 4.21% with other banks

Bank Pair	Competitor APY	Min Deposit
Climate First Bank vs Affirm	3.60%	$0
Climate First Bank vs Ally Bank	3.30%	$0
Climate First Bank vs American Express	3.40%	$0
Climate First Bank vs Axos Bank	4.31%	$0
Climate First Bank vs Bank of America	0.01%	$100
Climate First Bank vs Barclays	4.00%	$0
Climate First Bank vs Bask Bank	3.90%	$0
Climate First Bank vs BMO Alto	3.25%	$0
Climate First Bank vs Bread Savings	4.10%	$100
Climate First Bank vs BrioDirect	4.00%	$5,000
Climate First Bank vs Capital One	3.40%	$0
Climate First Bank vs Charles Schwab Bank	0.15%	$0
Climate First Bank vs Chase Bank	0.01%	$0
Climate First Bank vs Chime	3.50%	$0
Climate First Bank vs CIT Bank	3.75%	$100
Climate First Bank vs Citibank	3.30%	$0
Climate First Bank vs Citizens Access™	3.15%	$0.01
Climate First Bank vs Discover Bank	3.40%	$0
Climate First Bank vs E*TRADE from Morgan Stanley	3.75%	$0
Climate First Bank vs Elevault	4.08%	$0
Climate First Bank vs EverBank	4.05%	$0
Climate First Bank vs Fitness Bank	4.75%	$100
Climate First Bank vs FNBO Direct	3.00%	$1
Climate First Bank vs Forbright Bank	4.00%	$0
Climate First Bank vs FVCbank	3.85%	$500
Climate First Bank vs GO2bank	4.50%	$0
Climate First Bank vs Ivy Bank	4.25%	$2,500
Climate First Bank vs LendingClub	4.20%	$0
Climate First Bank vs Marcus by Goldman Sachs	3.65%	$0
Climate First Bank vs Neighbors Bank	4.30%	$0
Climate First Bank vs Newtek Bank	4.35%	$0.01
Climate First Bank vs Openbank	4.20%	$500
Climate First Bank vs Peak Bank	4.20%	$100
Climate First Bank vs Pibank	4.60%	$0
Climate First Bank vs PNC	3.53%	$0
Climate First Bank vs Presidential Bank	4.00%	$5,000
Climate First Bank vs Quontic Bank	3.75%	$100
Climate First Bank vs Salem Five Direct	3.71%	$10
Climate First Bank vs Sallie Mae Bank	3.90%	$0
Climate First Bank vs Santander Bank	0.01%	$25
Climate First Bank vs SoFi Bank	4.30%	$0
Climate First Bank vs Synchrony Bank	3.65%	$0
Climate First Bank vs TD Bank	2.75%	$0
Climate First Bank vs TIMBR	4.40%	$1,000
Climate First Bank vs UFB Direct	3.71%	$5000
Climate First Bank vs Upgrade	3.05%	$0
Climate First Bank vs Valley Direct	4.10%	$1,000
Climate First Bank vs Varo Bank	5.00%	$0
Climate First Bank vs Vio Bank	4.16%	$100
Climate First Bank vs Wealthfront	4.15%	$0
Climate First Bank vs Wells Fargo	0.05%	$25
Climate First Bank vs Zynlo Bank	4.05%	$10