CIT Bank vs. Climate First Bank
Compare rates, requirements, and features side-by-side to find the best option for you.
| Metric | CIT BankPlatinum Savings Jan 21, 2026 | Climate First BankSuper Duper Savings Account Jan 21, 2026 |
|---|---|---|
| APY | 0.25% - 3.75% | 4.21% |
Est. Earnings | $5,000+$188 $10,000+$375 $25,000+$938 | $5,000+$211 $10,000+$421 $25,000+$1,053 |
Min Deposit | $100 | $50 |
Snapshot view. Rates subject to change. | ||
Terms | This is a tiered savings account, where the 3.75% APY requires meeting the $5,000 balance requirement. Lower balances earn an APY of 0.25%. | - |
| Features | FDIC InsuredMod. MinimumGreat iOS AppGreat Android AppZelle® Supported | FDIC InsuredLow MinimumsGreat iOS AppGreat Android AppIn-Person AccessZelle® Supported |
Comparison Analysis
Comparing CIT Bank vs. Climate First Bank
As of CIT Bank offers an APY of 3.75% for its Platinum Savings account, with a minimum balance of $5,000, 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 $46 more than CIT Bank on a $10,000 balance after one year. CIT Bank pays $375, while Climate First Bank pays $421 - an APY advantage for Climate First Bank.
In addition, CIT Bank also offers 3.65% APY for the Savings Connect account, with a minimum balance of $0.
Why CIT Bank?
- ✓Offers 2 different high-yield savings options
Why Climate First Bank?
- ✓Higher potential APY (4.21% vs 3.65%-3.75%) on all balances
- ✓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 BankClimate First Bank's Super Duper Savings Account earns more on smaller deposits (approx. $421 vs $375/yr).
Better Returns at $25,000
Climate First BankClimate First Bank's Super Duper Savings Account pulls ahead with larger amounts (approx. $1053 vs $938/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 $46 more interest on a $10,000 balance than CIT Bank's Platinum 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 the Super Duper Savings Account with a competitive APY of 4.21%, making it the standout choice for savers looking for simplicity, as it has no direct deposit requirement and no maintenance fees if electronic statements are selected. In comparison, CIT Bank's highest yielding product, the Platinum Savings, offers a 3.75% APY but requires a minimum balance of $5,000 to earn this rate, with lower balances yielding only 0.25%. While both banks provide online-only accounts, Climate First Bank's product is accessible with a lower minimum deposit of $50.
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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Non-sponsored link to official site
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CIT Bank vs. Climate First Bank Savings Calculator
You earn $46 more with Climate First Bank than CIT 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.
CIT Bank
Platinum Savings
Savings Breakdown
- Interest Earned+$375.00(3.6%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,375.00
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 | CIT Bank | Climate First Bank |
|---|---|---|
| APY | 3.75% Range: 0.25% - 3.75% Verified: 1/21/2026 ↘︎ 0.10%90d Change | 4.21% Verified: 1/21/2026 - |
| Product Name | Platinum Savings | Super Duper Savings Account |
| Minimum Deposit | $100 | $50 |
| Min. Balance for APY | $5,000 | $0 |
| Monthly Fee | $0 | $0, if electronic statements selected, otherwise $5 |
| Branch Access | None | Yes |
| Account Type | Online Only | Online & Branches |
| Direct Deposit Req. | None | None |
| Checking Bundle | No | No |
| Mobile Apps | iOS4.8 Android4.6 | iOS4.9 Android4.4 |
| Zelle® Support | Available Supported for eChecking users post-First Citizens merger. | Available Verified in Climate First Bank Personal app. |
| BBB Rating | A- | A- |
| Important Notes | This is a tiered savings account, where the 3.75% APY requires meeting the $5,000 balance requirement. Lower balances earn an APY of 0.25%. | - |
| Next Steps | Visit SiteGo to CIT Bank * Secure link to our partner | Visit SiteVerify at Climate First Bank Non-sponsored link to official site |
📈 Compare Savings Rates Over Time
Historical Performance
| Metric | CIT Bank | Climate First Bank | |
|---|---|---|---|
| Savings Connect | Platinum Savings | Super Duper Savings Account | |
Current APY | 3.65% | 3.75% | 4.21% |
Trend | Stable | Stable | Stable |
Velocity (bps/mo) | 0.0 | 0.0 | 0.0 |
Days Since Change | 56 | 56 | 56 |
2-Month High | 3.65% | 3.75% | 4.21% |
2-Month Low | 3.65% | 3.75% | 4.21% |
Adjustments / Mo | 0.00 | 0.00 | 0.00 |
Volatility Score | 0.000 | 0.000 | 0.000 |
How to read these metrics(Click to expand)
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