Chime vs. Climate First Bank
Compare rates, requirements, and features side-by-side to find the best option for you.
| Metric | ChimeChime High-Yield Savings Account Jan 21, 2026 | Climate First BankSuper Duper Savings Account Jan 21, 2026 |
|---|---|---|
| APY | 1.00% - 3.50% | 4.21% |
Est. Earnings | $5,000+$175 $10,000+$350 $25,000+$875 | $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 AppDirect Deposit ReqChecking Bundle | FDIC InsuredLow MinimumsGreat iOS AppGreat Android AppIn-Person AccessZelle® Supported |
Comparison Analysis
Comparing Chime vs. Climate First Bank
As of Chime offers an APY of 3.50% for its Chime High-Yield Savings Account, with a minimum balance of $0.01, 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 $71 more than Chime on a $10,000 balance after one year. Chime pays $350, while Climate First Bank pays $421 - an APY advantage for Climate First Bank.
Why Chime?
- ✓Higher rated Android app (4.8 vs 4.4)
Why Climate First Bank?
- ✓Higher potential APY (4.21% vs 3.50%) 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)
- ✓Fast transfers via Zelle®
— 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 $350/yr).
Better Returns at $25,000
Climate First BankClimate First Bank's Super Duper Savings Account pulls ahead with larger amounts (approx. $1053 vs $875/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 $71 more interest on a $10,000 balance than Chime's Chime High-Yield Savings Account.
*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 superior savings option with its Super Duper Savings Account, featuring an APY of 4.21%. This account does not require a direct deposit and has a minimum deposit of $50, making it accessible for new savers. In contrast, Chime's High-Yield Savings Account provides a lower APY of 3.50% and requires a qualifying direct deposit of $200 or more within the preceding 34 days. While Chime's account has no minimum balance or maintenance fees, Climate First Bank's account is noted for its simplicity and higher returns, especially beneficial for larger deposits.
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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Chime vs. Climate First Bank Savings Calculator
You earn $71 more with Climate First Bank than Chime 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.
Chime
Chime High-Yield Savings Account
Savings Breakdown
- Interest Earned+$350.00(3.4%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,350.00
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 | Chime | Climate First Bank |
|---|---|---|
| APY | 3.50% Range: 1.00% - 3.50% Verified: 1/21/2026 Stable (90d) | 4.21% Verified: 1/21/2026 - |
| Product Name | Chime High-Yield Savings Account | 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 | None | Yes |
| Account Type | Online Only | Online & Branches |
| Direct Deposit Req. | RequiredYou need to receive a qualifying direct deposit of $200 or more within the preceding 34 days | None |
| Checking Bundle | Yes | No |
| Mobile Apps | iOS4.8 Android4.8 | iOS4.9 Android4.4 |
| Zelle® Support | Not Supported | Available Verified in Climate First Bank Personal app. |
| BBB Rating | A+ | A- |
| Next Steps | Visit SiteVerify at Chime 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 | Chime | Climate First Bank |
|---|---|---|
| Chime High-Yield Savings Account | Super Duper Savings Account | |
Current APY | 3.50% | 4.21% |
Trend | Stable | Stable |
Velocity (bps/mo) | 0.0 | 0.0 |
Days Since Change | 56 | 56 |
2-Month High | 3.50% | 4.21% |
2-Month Low | 3.50% | 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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