Bread Savings vs. Climate First Bank
Compare rates, requirements, and features side-by-side to find the best option for you.
Bread Savings
High-Yield Savings Account
4.10%APYDec 10, 2025FDIC InsuredLow MinimumsGreat iOS AppGreat Android AppShow Fine Print & Trends Hide Details
Bread Savings
High-Yield Savings Account
Climate First Bank
Super Duper Savings Account
4.21%APYDec 10, 2025FDIC InsuredLow MinimumsGreat iOS AppGreat Android AppIn-Person AccessShow Fine Print & Trends Hide Details
Climate First Bank
Super Duper Savings Account
Bread Savings vs. Climate First Bank Savings Calculator
Climate First Bank earns $71.4 more than Bread Savings.
Bread Savings
High-Yield Savings Account
Savings Breakdown
- Interest Earned+$2,499.40(12.2%)
- Total Contributions$13,000
- Initial Deposit$5,000
Projected Balance
$20,499.40
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.
Comparison Analysis
Comparing Bread Savings vs. Climate First Bank
Why Bread Savings?
No distinct advantages found vs Climate First Bank.
Why Climate First Bank?
- ✓Higher potential APY (4.21% vs 4.10%) 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 BankClimate First Bank's Super Duper Savings Account earns more on smaller deposits (approx. $421 vs $410/yr).
Better Returns at $25,000
Climate First BankClimate First Bank's Super Duper Savings Account pulls ahead with larger amounts (approx. $1053 vs $1025/yr).
Shared Benefits
Over a 1-year period, Climate First Bank's Super Duper Savings Account pays $11 more interest on a $10,000 balance than Bread Savings's High-Yield Savings Account.
*This calculation assumes current rates remain consistent for 1 year and does not include temporary bonuses.
Executive Summary
Climate First Bank offers a Super Duper Savings Account with a competitive APY of 4.21%, making it the higher-yield option compared to Bread Savings' High-Yield Savings Account, which has an APY of 4.10%. While both accounts have no maintenance fees and require minimal deposits ($50 for Climate First and $100 for Bread), the Climate First account is not exclusively online, providing more flexibility for customers. Additionally, Climate First Bank's account demonstrates better returns at various deposit levels, such as approximately $421 annually at $10,000, compared to Bread Savings' $410. Overall, Climate First Bank is the winner based on the provided data.
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.
Top Market Contenders
See who beats both Bread Savings and Climate First Bank.
| Feature | Bread Savings | Climate First Bank |
|---|---|---|
| APY | 4.10% Verified: 12/10/2025 ↘︎ 0.15%90d Change | 4.21% Verified: 12/10/2025 - |
| Product Name | High-Yield Savings Account | Super Duper Savings Account |
| Minimum Deposit | $100 | $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 | iOS4.7 Android4.5 | iOS4.9 Android4.4 |
| BBB Rating | A+ | A- |
| Next Steps |
📈 Compare Savings Rates Over Time
Historical Performance
| Metric | Bread Savings | Climate First Bank |
|---|---|---|
| High-Yield Savings Account | Super Duper Savings Account | |
Current APY | 4.10% | 4.21% |
Trend | Stable | Stable |
Velocity (bps/mo) | -13.2 | 0.0 |
Days Since Change | 5 | 15 |
1-Month High | 4.15% | 4.21% |
1-Month Low | 4.10% | 4.21% |
Adjustments / Mo | 1.88 | 0.00 |
Volatility Score | 0.006 | 0.000 |
How to read these metrics(Click to expand)
Compare Similar High-Yield Accounts
Compare Bread Savings vs...
Comparing against Standard Savings
Compare Climate First Bank vs...
Comparing against Standard Savings
Higher Rates (With Checking)
Looking for something different? Check out these top-rated alternatives.