CIT Bank vs. Climate First Bank
Compare rates, requirements, and features side-by-side to find the best option for you.
CIT Bank
Platinum Savings
Up to3.75%APYDec 6, 2025FDIC InsuredMod. MinimumGreat iOS AppGreat Android AppRange: 0.25% – 3.75%Show Fine Print & Trends Hide Details
CIT Bank
Platinum Savings
Climate First Bank
Super Duper Savings Account
4.21%APYDec 6, 2025FDIC InsuredLow MinimumsGreat iOS AppGreat Android AppIn-Person AccessShow Fine Print & Trends Hide Details
Climate First Bank
Super Duper Savings Account
Comparison Analysis
Comparing CIT Bank vs. Climate First Bank
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.
Executive Summary
Climate First Bank's Super Duper Savings Account stands out with a competitive APY of 4.21%, making it an attractive option for savers. This account requires a minimum deposit of $50 and has no maintenance fees if electronic statements are selected. In comparison, CIT Bank offers the Platinum Savings account with a lower APY of 3.75% and a minimum balance requirement of $5,000. While CIT also has a secondary option, the Savings Connect account at 3.65%, Climate First Bank clearly provides better returns without the need for a high minimum balance or direct deposit. Both banks operate online-only for their savings products.
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 CIT Bank and Climate First Bank.
| Feature | CIT Bank | Climate First Bank |
|---|---|---|
| APY | 3.75% Range: 0.25% - 3.75% Verified: 12/6/2025 ↘︎ 0.25%90d Change | 4.21% Verified: 12/6/2025 - |
| 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 Android4.3 | iOS4.9 Android4.4 |
| BBB Rating | A- | A- |
| Next Steps |
Savings Comparison
Climate First Bank earns $297 more than CIT Bank.
CIT Bank
Platinum Savings
Savings Breakdown
- Interest Earned+$2,273.80(11.2%)
- Total Contributions$13,000
- Initial Deposit$5,000
Projected Balance
$20,273.80
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.
📈 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 | 11 | 11 | 11 |
1-Month High | 3.65% | 3.75% | 4.21% |
1-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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