Charles Schwab Bank vs. Climate First Bank
Compare rates, requirements, and features side-by-side to find the best option for you.
Charles Schwab Bank
Schwab Bank Investor Savings™
0.15%APYDec 10, 2025FDIC InsuredNo MinimumsGreat iOS AppIn-Person AccessShow Fine Print & Trends Hide Details
Charles Schwab Bank
Schwab Bank Investor Savings™
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
Charles Schwab Bank vs. Climate First Bank Savings Calculator
Climate First Bank earns $2,484.7 more than Charles Schwab Bank.
Charles Schwab Bank
Schwab Bank Investor Savings™
Savings Breakdown
- Interest Earned+$86.10(0.5%)
- Total Contributions$13,000
- Initial Deposit$5,000
Projected Balance
$18,086.10
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 Charles Schwab Bank vs. Climate First Bank
Why Charles Schwab Bank?
No distinct advantages found vs Climate First Bank.
Why Climate First Bank?
- ✓Higher potential APY (4.21% vs 0.15%) 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)
- ✓Higher rated Android app (4.4 vs 2.9)
— 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 $15/yr).
Better Returns at $25,000
Climate First BankClimate First Bank's Super Duper Savings Account pulls ahead with larger amounts (approx. $1053 vs $38/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 $406 more interest on a $10,000 balance than Charles Schwab Bank's Schwab Bank Investor Savings™.
*This calculation assumes current rates remain consistent for 1 year and does not include temporary bonuses.
Executive Summary
Climate First Bank offers a significant advantage with its Super Duper Savings Account, boasting an impressive APY of 4.21%. This account does not require direct deposit and has a minimum deposit of $50, making it accessible for many savers. In contrast, Charles Schwab Bank's Schwab Bank Investor Savings™ provides a much lower APY of 0.15%, though it has no minimum deposit requirement and no maintenance fees. While Schwab Bank offers a straightforward savings option, Climate First Bank clearly stands out with its higher yield and favorable terms, particularly for those looking to maximize their savings.
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 Charles Schwab Bank and Climate First Bank.
| Feature | Charles Schwab Bank | Climate First Bank |
|---|---|---|
| APY | 0.15% Verified: 12/10/2025 Stable (90d) | 4.21% Verified: 12/10/2025 - |
| Product Name | Schwab Bank Investor Savings™ | Super Duper Savings Account |
| Minimum Deposit | $0 | $50 |
| Min. Balance for APY | $0.01 | $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 | iOS4.8 Android2.9 | iOS4.9 Android4.4 |
| BBB Rating | A+ | A- |
| Next Steps |
📈 Compare Savings Rates Over Time
Historical Performance
| Metric | Charles Schwab Bank | Climate First Bank |
|---|---|---|
| Schwab Bank Investor Savings™ | Super Duper Savings Account | |
Current APY | 0.15% | 4.21% |
Trend | Stable | Stable |
Velocity (bps/mo) | 0.0 | 0.0 |
Days Since Change | 15 | 15 |
1-Month High | 0.15% | 4.21% |
1-Month Low | 0.15% | 4.21% |
Adjustments / Mo | 0.00 | 0.00 |
Volatility Score | 0.000 | 0.000 |
How to read these metrics(Click to expand)
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