High-Yield Savings Account Comparison

Chase Bank vs. Climate First Bank

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

Analysis by Aviel Fahl
Updated January 21, 2026
Comparison of Chase Bank vs Climate First Bank savings accounts
Metric

Chase Bank

Chase Savings℠

Jan 21, 2026

Climate First Bank

Super Duper Savings Account

Jan 21, 2026
APY0.01%4.21%
Est. Earnings
$5,000+$1
$10,000+$1
$25,000+$3
$5,000+$211
$10,000+$421
$25,000+$1,053
Min Deposit
$0$50

Snapshot view. Rates subject to change.

Terms
APY may vary by market. The maintenance fee may be waived under some circumstances, such as if the account balance is maintained with at least $300 each day, or you set up automatic transfers from a linked Chase account, etc.-
Features
FDIC InsuredNo MinimumsGreat iOS AppGreat Android AppIn-Person AccessZelle® Supported
FDIC InsuredLow MinimumsGreat iOS AppGreat Android AppIn-Person AccessZelle® Supported

Comparison Analysis

Comparing Chase Bank vs. Climate First Bank

Updated: Jan 21, 2026

As of Chase Bank offers an APY of 0.01% for its Chase 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 $420 more than Chase Bank on a $10,000 balance after one year. Chase Bank pays $1, while Climate First Bank pays $421 - an APY advantage for Climate First Bank.

Why Chase Bank?

No distinct advantages found vs Climate First Bank.

Why Climate First Bank?

  • Higher potential APY (4.21% vs 0.01%) 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)

— 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 $1/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 $3/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

Fast transfers via Zelle® 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 $420 more interest on a $10,000 balance than Chase Bank's Chase Savings℠.

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

Chase BankClimate First Bank

Executive Summary as of

Climate First Bank offers a superior savings option with its Super Duper Savings Account, boasting an impressive APY of 4.21%. This account requires a minimum deposit of $50 and has no maintenance fees if electronic statements are chosen. In contrast, Chase Bank's Chase Savings℠ provides a significantly lower APY of 0.01% with a $0 minimum deposit but incurs a $5 maintenance fee unless certain conditions are met. While Chase offers a basic savings account, Climate First Bank stands out for its higher returns and straightforward terms, making it the more attractive choice for savers.

The analysis is based on current Banksparency database records

* This content is provided for informational purposes only; always verify details with the provider.

Verify At
Chase Bank

Non-sponsored link to official site

Verify At
Climate First Bank

Non-sponsored link to official site

Top Market Contenders

Chase Bank vs. Climate First Bank Savings Calculator

Calculations based on current APY for Chase Savings℠ and Super Duper Savings Account
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You earn $420 more with Climate First Bank than Chase Bank 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.

Chase Bank

Chase Savings℠

0.01% APY

Savings Breakdown

  • Interest Earned
    +$1.00(0.0%)
  • Total Contributions
    $0
  • Initial Deposit
    $10,000

Projected Balance

$10,001.00

Effective APY
0.01%

Climate First Bank

Super Duper Savings Account

4.21% APY

Savings Breakdown

  • Interest Earned
    +$421.00(4.0%)
  • Total Contributions
    $0
  • Initial Deposit
    $10,000

Projected Balance

$10,421.00

Effective APY
4.21%

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

FeatureChase BankClimate First Bank
APY
0.01%
Verified: 1/21/2026
Stable (90d)
4.21%
Verified: 1/21/2026
-
Product NameChase Savings℠Super Duper Savings Account
Minimum Deposit$0$50
Min. Balance for APY$0$0
Monthly Fee$5$0, if electronic statements selected, otherwise $5
Branch AccessYesYes
Account Type
Online & Branches
Online & Branches
Direct Deposit Req.NoneNone
Checking BundleNoNo
Mobile Apps
iOS4.8
Android4.7
iOS4.9
Android4.4
Zelle® Support
Available
Limit: $2,000/dayBranded as Chase QuickPay; dynamic limits up to $10k.
Available
Verified in Climate First Bank Personal app.
BBB RatingA-A-
Important NotesAPY may vary by market. The maintenance fee may be waived under some circumstances, such as if the account balance is maintained with at least $300 each day, or you set up automatic transfers from a linked Chase account, etc.-
Next Steps
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📈 Compare Savings Rates Over Time

Historical Performance

Last 2 Months Analysis
MetricChase BankClimate First Bank
Chase Savings℠Super Duper Savings Account
Current APY
0.01%4.21%
Trend
Stable Stable
Velocity (bps/mo)
-0.00.0
Days Since Change
5656
2-Month High
0.01%4.21%
2-Month Low
0.01%4.21%
Adjustments / Mo
0.000.00
Volatility Score
0.0000.000
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 57-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.

More Comparisons

Compare Chase Bank's APY of 0.01% with other banks
Bank PairCompetitor APYMin Deposit
Chase Bank vs Affirm3.20%$0
Chase Bank vs Ally Bank3.30%$0
Chase Bank vs American Express3.30%$0
Chase Bank vs Axos Bank4.31%$0
Chase Bank vs Bank of America0.01%$100
Chase Bank vs Barclays4.00%$0
Chase Bank vs Bask Bank3.75%$0
Chase Bank vs Betterment3.25%$10
Chase Bank vs BMO Alto3.25%$0
Chase Bank vs Bread Savings4.00%$100
Chase Bank vs BrioDirect3.75%$5,000
Chase Bank vs Capital One3.30%$0
Chase Bank vs Carver Bank4.00%$5,000
Chase Bank vs Charles Schwab Bank0.15%$0
Chase Bank vs Chime3.50%$0
Chase Bank vs CIT Bank3.75%$100
Chase Bank vs Citibank3.30%$0
Chase Bank vs Citizens Access™3.15%$0.01
Chase Bank vs Colorado Federal Savings Bank4.05%$50,000
Chase Bank vs Discover Bank3.30%$0
Chase Bank vs E*TRADE from Morgan Stanley3.50%$0
Chase Bank vs Elevault3.82%$0
Chase Bank vs EverBank3.90%$0
Chase Bank vs Fitness Bank4.75%$100
Chase Bank vs FNBO Direct3.00%$1
Chase Bank vs Forbright Bank3.85%$0
Chase Bank vs FVCbank3.85%$500
Chase Bank vs GO2bank4.50%$0
Chase Bank vs Ivy Bank4.00%$2,500
Chase Bank vs Jenius Bank4.05%$0
Chase Bank vs LendingClub4.00%$0
Chase Bank vs Marcus by Goldman Sachs3.65%$0
Chase Bank vs MutualOne Bank4.07%$20,000
Chase Bank vs My Banking Direct4.02%$500
Chase Bank vs Neighbors Bank4.20%$0
Chase Bank vs Newtek Bank4.35%$0.01
Chase Bank vs Openbank4.20%$500
Chase Bank vs Peak Bank3.99%$100
Chase Bank vs Pibank4.60%$0
Chase Bank vs PNC3.30%$0
Chase Bank vs Popular Direct3.90%$100
Chase Bank vs Presidential Bank3.75%$5,000
Chase Bank vs Quontic Bank3.50%$100
Chase Bank vs Salem Five Direct3.61%$10
Chase Bank vs Sallie Mae Bank3.90%$0
Chase Bank vs Santander Bank0.01%$25
Chase Bank vs SoFi Bank4.00%$0
Chase Bank vs Synchrony Bank3.65%$0
Chase Bank vs TD Bank2.36%$0
Chase Bank vs TIMBR4.15%$1,000
Chase Bank vs UFB Direct3.46%$5000
Chase Bank vs Upgrade3.05%$0
Chase Bank vs Valley Direct4.00%$1,000
Chase Bank vs Varo Bank5.00%$0
Chase Bank vs Vio Bank4.09%$100
Chase Bank vs Wealthfront3.90%$0
Chase Bank vs Wells Fargo0.05%$25
Chase Bank vs Zynlo Bank3.85%$10
Compare Climate First Bank's APY of 4.21% with other banks
Bank PairCompetitor APYMin Deposit
Climate First Bank vs Affirm3.20%$0
Climate First Bank vs Ally Bank3.30%$0
Climate First Bank vs American Express3.30%$0
Climate First Bank vs Axos Bank4.31%$0
Climate First Bank vs Bank of America0.01%$100
Climate First Bank vs Barclays4.00%$0
Climate First Bank vs Bask Bank3.75%$0
Climate First Bank vs Betterment3.25%$10
Climate First Bank vs BMO Alto3.25%$0
Climate First Bank vs Bread Savings4.00%$100
Climate First Bank vs BrioDirect3.75%$5,000
Climate First Bank vs Capital One3.30%$0
Climate First Bank vs Carver Bank4.00%$5,000
Climate First Bank vs Charles Schwab Bank0.15%$0
Climate First Bank vs Chime3.50%$0
Climate First Bank vs CIT Bank3.75%$100
Climate First Bank vs Citibank3.30%$0
Climate First Bank vs Citizens Access™3.15%$0.01
Climate First Bank vs Colorado Federal Savings Bank4.05%$50,000
Climate First Bank vs Discover Bank3.30%$0
Climate First Bank vs E*TRADE from Morgan Stanley3.50%$0
Climate First Bank vs Elevault3.82%$0
Climate First Bank vs EverBank3.90%$0
Climate First Bank vs Fitness Bank4.75%$100
Climate First Bank vs FNBO Direct3.00%$1
Climate First Bank vs Forbright Bank3.85%$0
Climate First Bank vs FVCbank3.85%$500
Climate First Bank vs GO2bank4.50%$0
Climate First Bank vs Ivy Bank4.00%$2,500
Climate First Bank vs Jenius Bank4.05%$0
Climate First Bank vs LendingClub4.00%$0
Climate First Bank vs Marcus by Goldman Sachs3.65%$0
Climate First Bank vs MutualOne Bank4.07%$20,000
Climate First Bank vs My Banking Direct4.02%$500
Climate First Bank vs Neighbors Bank4.20%$0
Climate First Bank vs Newtek Bank4.35%$0.01
Climate First Bank vs Openbank4.20%$500
Climate First Bank vs Peak Bank3.99%$100
Climate First Bank vs Pibank4.60%$0
Climate First Bank vs PNC3.30%$0
Climate First Bank vs Popular Direct3.90%$100
Climate First Bank vs Presidential Bank3.75%$5,000
Climate First Bank vs Quontic Bank3.50%$100
Climate First Bank vs Salem Five Direct3.61%$10
Climate First Bank vs Sallie Mae Bank3.90%$0
Climate First Bank vs Santander Bank0.01%$25
Climate First Bank vs SoFi Bank4.00%$0
Climate First Bank vs Synchrony Bank3.65%$0
Climate First Bank vs TD Bank2.36%$0
Climate First Bank vs TIMBR4.15%$1,000
Climate First Bank vs UFB Direct3.46%$5000
Climate First Bank vs Upgrade3.05%$0
Climate First Bank vs Valley Direct4.00%$1,000
Climate First Bank vs Varo Bank5.00%$0
Climate First Bank vs Vio Bank4.09%$100
Climate First Bank vs Wealthfront3.90%$0
Climate First Bank vs Wells Fargo0.05%$25
Climate First Bank vs Zynlo Bank3.85%$10