Capital One vs. Climate First Bank
Comparing Capital One and Climate First Bank for high-yield savings: Capital One's 360 Performance Savings pays 3.20% 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 $81 more than Capital One annually ($401 vs $320).
Choose Climate First Bank if getting the best rate matters most.
| Metric | Capital One360 Performance Savings Apr 21, 2026 | Climate First BankSuper Duper Savings Account Apr 21, 2026 |
|---|---|---|
| APY | 3.20% | 4.01% |
Est. Earnings | $5,000+$160 $10,000+$320 $25,000+$800 | $5,000+$200 $10,000+$401 $25,000+$1,002 |
Min Deposit | $0 | $50 |
Snapshot view. Rates subject to change. | ||
| Features | FDIC InsuredNo MinimumsGreat iOS AppGreat Android AppIn-Person AccessZelle® SupportedRate Changes Often | FDIC InsuredLow MinimumsGreat iOS AppGreat Android AppIn-Person AccessZelle® SupportedStable Rate |
Comparison Analysis
Comparing Capital One vs. Climate First Bank
Executive Summary
Climate First Bank offers a competitive Super Duper Savings Account with an APY of 4.01%, significantly higher than Capital One's 360 Performance Savings, which has an APY of 3.20%. This makes Climate First Bank the winner for those looking for the best returns, especially as it provides better earnings on both smaller and larger deposits. Additionally, Climate First Bank's account has no direct deposit requirement and no maintenance fees if electronic statements are selected. In contrast, Capital One's account has no minimum deposit or balance requirements, making it a simpler alternative, but it yields a lower APY.
The analysis is based on current Banksparency database records
* This content is provided for informational purposes only; always verify details with the provider.
Why Capital One?
No distinct advantages found vs Climate First Bank.
Why Climate First Bank?
- ✓Higher potential APY (4.01% vs 3.20%) 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. $401 vs $320/yr).
Better Returns at $25,000
Climate First BankClimate First Bank's Super Duper Savings Account pulls ahead with larger amounts (approx. $1002 vs $800/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 $81 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.
Non-sponsored link to official site
Non-sponsored link to official site
Top Market Contenders
Capital One vs. Climate First Bank Savings Calculator
You earn $81 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+$320.00(3.1%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,320.00
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 $319 per year in interest.
Both Capital One and Climate First Bank dramatically outperform the typical 0.01% APY at traditional big banks.
| Feature | Capital One | Climate First Bank |
|---|---|---|
| APY | 3.20% Verified: 4/21/2026 ↘︎ 0.10%90d Change | 4.01% Verified: 4/21/2026 ↘︎ 0.20%90d Change |
| 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 |
| Compound Frequency | Monthly | N/A |
| Branch Access | Yes | Yes |
| Account Type | Online & Branches | Online & Branches |
| Physical Branches | Over 200 branches in Louisiana, Maryland, New Jersey, New York, Texas, Virginia and Washington, D.C. | 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 | 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 | 3.20% | 4.01% |
Trend | Stable | Stable |
Velocity (bps/mo) | -5.0 | -5.6 |
Days Since Change | 40 | 53 |
5-Month High | 3.40% | 4.21% |
5-Month Low | 3.20% | 4.01% |
Adjustments / Mo | 0.41 | 0.20 |
Volatility Score | 0.023 | 0.023 |
How to read these metrics(Click to expand)
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More Comparisons
Compare Capital One's APY of 3.20% with other banks
Compare Climate First Bank's APY of 4.01% with other banks
| Bank Pair | Competitor APY | Min Deposit |
|---|---|---|
| Climate First Bank vs Ally Bank | 3.10% | $0 |
| Climate First Bank vs American Express | 3.20% | $0 |
| Climate First Bank vs Axos Bank | 4.21% | $0 |
| Climate First Bank vs Barclays | 3.75% | $0 |
| Climate First Bank vs Chime | 3.00% | $0 |
| Climate First Bank vs CIT Bank | 3.75% | $100 |
| Climate First Bank vs Discover Bank | 3.30% | $0 |
| Climate First Bank vs EverBank | 3.90% | $0 |
| Climate First Bank vs Marcus by Goldman Sachs | 3.50% | $0 |
| Climate First Bank vs Newtek Bank | 4.20% | $0.01 |
| Climate First Bank vs Openbank | 4.00% | $500 |
| Climate First Bank vs Pibank | 4.40% | $0 |
| Climate First Bank vs SoFi Bank | 4.00% | $0 |
| Climate First Bank vs Synchrony Bank | 3.40% | $0 |
| Climate First Bank vs Varo Bank | 5.00% | $0 |
| Climate First Bank vs Wealthfront | 4.20% | $0 |