Climate First Bank vs. Discover Bank
Compare rates, requirements, and features side-by-side to find the best option for you.
| Metric | Climate First BankSuper Duper Savings Account Jan 21, 2026 | Discover BankOnline Savings Account Jan 16, 2026 |
|---|---|---|
| APY | 4.21% | 3.30% |
Est. Earnings | $5,000+$211 $10,000+$421 $25,000+$1,053 | $5,000+$165 $10,000+$330 $25,000+$825 |
Min Deposit | $50 | $0 |
Snapshot view. Rates subject to change. | ||
Terms | - | Discover Bank is part of Capital One and this account is not open to new customers. |
| Features | FDIC InsuredLow MinimumsGreat iOS AppGreat Android AppIn-Person AccessZelle® Supported | FDIC InsuredNo MinimumsGreat iOS AppGreat Android AppZelle® Supported |
Comparison Analysis
Comparing Climate First Bank vs. Discover Bank
As of Climate First Bank offers an APY of 4.21% for its Super Duper Savings Account, with a minimum balance of $0, compared to Discover Bank's 3.30% APY for its Online Savings Account, with a minimum balance of $0.
Climate First Bank pays $91 more than Discover Bank on a $10,000 balance after one year. Climate First Bank pays $421, while Discover Bank pays $330 - an APY advantage for Climate First Bank.
Why Climate First Bank?
- ✓Higher potential APY (4.21% vs 3.30%) on all balances
- ✓Physical branch access (3 locations in Florida (St. Petersburg, Mount Dora, Winter Park), and one coming soon in Orlando, FL)
Why Discover Bank?
- ✓Higher rated Android app (4.8 vs 4.4)
— 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 Discover Bank's Online 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 Super Duper Savings Account with a competitive APY of 4.21%, making it the clear winner compared to Discover Bank's Online Savings Account, which has an APY of 3.30%. Climate First Bank's account does not require direct deposit, has no maintenance fees if electronic statements are selected, and has a low minimum deposit of $50. In contrast, Discover Bank's account is currently inactive and not open to new customers, limiting its accessibility. Overall, Climate First Bank provides better returns and simpler terms 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.
Non-sponsored link to official site
Non-sponsored link to official site
Top Market Contenders
Climate First Bank vs. Discover Bank Savings Calculator
You earn $91 more with Climate First Bank than Discover 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.
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
Discover Bank
Online Savings Account
Savings Breakdown
- Interest Earned+$330.00(3.2%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,330.00
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
| Feature | Climate First Bank | Discover Bank |
|---|---|---|
| APY | 4.21% Verified: 1/21/2026 - | 3.30% Verified: 1/16/2026 ↘︎ 0.10%90d Change |
| Product Name | Super Duper Savings Account | Online Savings Account |
| Minimum Deposit | $50 | $0 |
| Min. Balance for APY | $0 | $0 |
| Monthly Fee | $0, if electronic statements selected, otherwise $5 | $0 |
| Branch Access | Yes | None |
| Account Type | Online & Branches | Online Only |
| Direct Deposit Req. | None | None |
| Checking Bundle | No | No |
| Mobile Apps | iOS4.9 Android4.4 | iOS4.9 Android4.8 |
| Zelle® Support | Available Verified in Climate First Bank Personal app. | Available Limit: $600/dayStrict 90-day seasoning period for new accounts. |
| BBB Rating | A- | A+ |
| Important Notes | - | Discover Bank is part of Capital One and this account is not open to new customers. |
| Next Steps | Visit SiteVerify at Climate First Bank Non-sponsored link to official site | Visit SiteVerify at Discover Bank Non-sponsored link to official site |
📈 Compare Savings Rates Over Time
Historical Performance
| Metric | Climate First Bank | Discover Bank |
|---|---|---|
| Super Duper Savings Account | Online Savings Account | |
Current APY | 4.21% | 3.30% |
Trend | Stable | Stable |
Velocity (bps/mo) | 0.0 | -5.0 |
Days Since Change | 56 | 13 |
2-Month High | 4.21% | 3.40% |
2-Month Low | 4.21% | 3.30% |
Adjustments / Mo | 0.00 | 0.53 |
Volatility Score | 0.000 | 0.011 |
How to read these metrics(Click to expand)
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