Capital One vs. Climate First Bank
Compare rates, requirements, and features side-by-side to find the best option for you.
| Metric | Capital One360 Performance Savings Jan 21, 2026 | Climate First BankSuper Duper Savings Account Jan 21, 2026 |
|---|---|---|
| APY | 3.30% | 4.21% |
Est. Earnings | $5,000+$165 $10,000+$330 $25,000+$825 | $5,000+$211 $10,000+$421 $25,000+$1,053 |
Min Deposit | $0 | $50 |
Snapshot view. Rates subject to change. | ||
| Features | FDIC InsuredNo MinimumsGreat iOS AppGreat Android AppIn-Person AccessZelle® Supported | FDIC InsuredLow MinimumsGreat iOS AppGreat Android AppIn-Person AccessZelle® Supported |
Comparison Analysis
Comparing Capital One vs. Climate First Bank
As of Capital One offers an APY of 3.30% for its 360 Performance Savings account, with a minimum balance of $0, 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 $91 more than Capital One on a $10,000 balance after one year. Capital One pays $330, while Climate First Bank pays $421 - an APY advantage for Climate First Bank.
Why Capital One?
No distinct advantages found vs Climate First Bank.
Why Climate First Bank?
- ✓Higher potential APY (4.21% vs 3.30%) on all balances
— 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 $330/yr).
Better Returns at $25,000
Climate First BankClimate First Bank's Super Duper Savings Account pulls ahead with larger amounts (approx. $1053 vs $825/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 $91 more interest on a $10,000 balance than Capital One's 360 Performance 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 more attractive option compared to Capital One's 360 Performance Savings, which has an APY of 3.30%. Climate First Bank's account requires a minimum deposit of $50 and has no maintenance fees if electronic statements are selected, while Capital One has no minimum deposit or maintenance fees. Both accounts do not require direct deposit, enhancing their accessibility. Overall, Climate First Bank's higher APY and favorable terms position it as the winner.
The analysis is based on current Banksparency database records
* This content is provided for informational purposes only; always verify details with the provider.
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Capital One vs. Climate First Bank Savings Calculator
You earn $91 more with Climate First Bank than Capital One 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.
Capital One
360 Performance Savings
Savings Breakdown
- Interest Earned+$330.00(3.2%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,330.00
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 | Capital One | Climate First Bank |
|---|---|---|
| APY | 3.30% Verified: 1/21/2026 ↘︎ 0.10%90d Change | 4.21% Verified: 1/21/2026 - |
| Product Name | 360 Performance Savings | Super Duper Savings Account |
| Minimum Deposit | $0 | $50 |
| Min. Balance for APY | $0 | $0 |
| Monthly Fee | $0 | $0, if electronic statements selected, otherwise $5 |
| Branch Access | Yes | Yes |
| Account Type | Online & Branches | Online & Branches |
| Direct Deposit Req. | None | None |
| Checking Bundle | No | No |
| Mobile Apps | iOS4.9 Android4.5 | iOS4.9 Android4.4 |
| Zelle® Support | Available Limit: $2,500/dayAvailable for 360 Checking accounts. | Available Verified in Climate First Bank Personal app. |
| BBB Rating | A+ | A- |
| Next Steps | Visit SiteVerify at Capital One 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 | Capital One | Climate First Bank |
|---|---|---|
| 360 Performance Savings | Super Duper Savings Account | |
Current APY | 3.30% | 4.21% |
Trend | Stable | Stable |
Velocity (bps/mo) | -5.9 | 0.0 |
Days Since Change | 13 | 56 |
2-Month High | 3.40% | 4.21% |
2-Month Low | 3.30% | 4.21% |
Adjustments / Mo | 0.53 | 0.00 |
Volatility Score | 0.013 | 0.000 |
How to read these metrics(Click to expand)
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