Citibank vs. Climate First Bank
Compare rates, requirements, and features side-by-side to find the best option for you.
Citibank
Citi Accelerate Savings
3.30%APYDec 6, 2025FDIC InsuredNo MinimumsGreat iOS AppGreat Android AppShow Fine Print & Trends Hide Details
Citibank
Citi Accelerate 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 Citibank vs. Climate First Bank
Why Citibank?
- ✓Higher rated Android app (4.8 vs 4.4)
Why Climate First Bank?
- ✓Higher potential APY (4.21% vs 3.30%) on all balances
- ✓Available Nationwide
— 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 $330/yr).
Better Returns at $25,000
Climate First BankClimate First Bank's Super Duper Savings Account pulls ahead with larger amounts (approx. $1053 vs $825/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 $91 more interest on a $10,000 balance than Citibank's Citi Accelerate Savings.
Executive Summary
Climate First Bank offers a competitive Super Duper Savings Account with a high APY of 4.21%, significantly outperforming Citibank's top product, the Citi Accelerate Savings, which has an APY of 3.30%. The Super Duper Savings Account requires a minimum deposit of $50 and has no maintenance fees if electronic statements are selected. In contrast, Citibank's account has a maintenance fee of $4.50, which can be waived with an average monthly balance over $500. Additionally, eligibility for Citibank's offerings is restricted to select states, while Climate First Bank does not specify such limitations. Both accounts do not require direct deposit.
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 Citibank and Climate First Bank.
| Feature | Citibank | Climate First Bank |
|---|---|---|
| APY | 3.30% Verified: 12/6/2025 ↘︎ 0.20%90d Change | 4.21% Verified: 12/6/2025 - |
| Product Name | Citi Accelerate Savings | Super Duper Savings Account |
| Minimum Deposit | $0 | $50 |
| Min. Balance for APY | $0.01 | $0 |
| Monthly Fee | $4.50. Waived for average monthly balances > $500 | $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 | iOS4.9 Android4.8 | iOS4.9 Android4.4 |
| BBB Rating | D- | A- |
| Important Notes | Eligibility restricted to select states. | - |
| Next Steps |
Savings Comparison
Climate First Bank earns $583.7 more than Citibank.
Citibank
Citi Accelerate Savings
Savings Breakdown
- Interest Earned+$1,987.10(9.9%)
- Total Contributions$13,000
- Initial Deposit$5,000
Projected Balance
$19,987.10
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.
📈 Compare Savings Rates Over Time
Historical Performance
| Metric | Citibank | Climate First Bank | |
|---|---|---|---|
| Citi® Savings Account | Citi Accelerate Savings | Super Duper Savings Account | |
Current APY | 0.03% | 3.30% | 4.21% |
Trend | Stable | Stable | Stable |
Velocity (bps/mo) | 0.0 | -0.0 | 0.0 |
Days Since Change | 11 | 11 | 11 |
1-Month High | 0.03% | 3.30% | 4.21% |
1-Month Low | 0.03% | 3.30% | 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)
Compare Similar High-Yield Accounts
Compare Citibank vs...
Comparing against Standard Savings
Compare Climate First Bank vs...
Comparing against Standard Savings
Higher Rates (With Checking)
Looking for something different? Check out these top-rated alternatives.