High-Yield Savings Account Comparison

Climate First Bank vs. Elevault

Compare rates, requirements, and features side-by-side to find the best option for you.

Analysis by Aviel Fahl
Updated December 6, 2025
Advertising Disclosure: We may earn a commission from partner links.

Climate First Bank

Super Duper Savings Account

4.21%
APY
Dec 6, 2025
FDIC InsuredLow MinimumsGreat iOS AppGreat Android AppIn-Person Access
Show Fine Print & Trends

Rate Stability

StableNo rate changes in last 7 days

Elevault

High Yield Savings Account

4.08%
APY
Dec 6, 2025
FDIC InsuredNo Minimums
Show Fine Print & Trends

Comparison Analysis

Comparing Climate First Bank vs. Elevault

Updated: Dec 6, 2025

Why Climate First Bank?

  • Higher potential APY (4.21% vs 4.08%) on all balances
  • Physical branch access (3 locations in Florida (St. Petersburg, Mount Dora, Winter Park), and one coming soon in Orlando, FL)
  • Higher rated iOS app (4.9 vs 3.7)
  • Higher rated Android app (4.4 vs 3.9)

Why Elevault?

No distinct advantages found vs Climate First Bank.

— Key Feature Differences —

Better Returns at $10,000
Climate First Bank

Climate First Bank's Super Duper Savings Account earns more on smaller deposits (approx. $421 vs $408/yr).

Better Returns at $25,000
Climate First Bank

Climate First Bank's Super Duper Savings Account pulls ahead with larger amounts (approx. $1053 vs $1020/yr).

Best Mobile App Experience
Climate First Bank

Climate First Bank offers an iOS app rated 4.9 (vs. 3.7) and Android app rated 4.4 (vs. 3.9)

Shared Benefits

Available Nationwide Available to New & Existing Customers
The Bottom Line

Over a 1-year period, Climate First Bank's Super Duper Savings Account pays $13 more interest on a $10,000 balance than Elevault's High Yield Savings Account.

ElevaultClimate First Bank
Automated Data Audit

Executive Summary

Climate First Bank's Super Duper Savings Account offers a competitive APY of 4.21%, making it the winner compared to Elevault's High Yield Savings Account, which has an APY of 4.08%. Both accounts have no maintenance fees and do not require direct deposit, with Climate First Bank requiring a minimum deposit of $50, while Elevault has no minimum deposit requirement. Additionally, Climate First Bank is noted for its superior mobile app experience. Elevault's account is online-only and limits daily deposits to $2,500, with interest applicable only on balances up to $250,000.

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 Climate First Bank and Elevault.

Compare All High-Yield Savings Accounts
Pibank
Pibank Savings
FDIC InsuredNo Minimums
4.60% APY
+0.39% vs Climate First Bank
Better Rate
Neighbors Bank
Neighbors Savings Account
FDIC InsuredNo MinimumsGreat Android App
4.50% APY
+0.29% vs Climate First Bank
Better Rate
Axos Bank
Axos ONE
FDIC InsuredNo MinimumsGreat iOS AppGreat Android App
4.31% APY
+0.10% vs Climate First Bank
Better Rate
FeatureClimate First BankElevault
APY
4.21%
Verified: 12/6/2025
-
4.08%
Verified: 12/6/2025
↘︎ 0.52%90d Change
Product NameSuper Duper Savings AccountHigh Yield Savings Account
Minimum Deposit$50$0
Min. Balance for APY$0$0
Monthly Fee$0, if electronic statements selected, otherwise $5$0
Branch AccessYesNone
Account Type
Online & Branches
Online Only
Direct Deposit Req.NoneNone
Checking BundleNoNo
Mobile Apps
iOS4.9
Android4.4
iOS3.7
Android3.9
BBB RatingA-A+
Important Notes-The 4.08% APY is up to $250,000. Balances above that earn no interest. Daily deposit limit is $2,500.
Next Steps

Savings Comparison

Calculations based on current APY.
$
$

Climate First Bank earns $84.4 more than Elevault.

Climate First Bank

Super Duper Savings Account

4.21% APY

Savings Breakdown

  • Interest Earned
    +$2,570.80(12.5%)
  • Total Contributions
    $13,000
  • Initial Deposit
    $5,000

Projected Balance

$20,570.80

Effective APY
4.21%

Elevault

High Yield Savings Account

4.08% APY

Savings Breakdown

  • Interest Earned
    +$2,486.40(12.1%)
  • Total Contributions
    $13,000
  • Initial Deposit
    $5,000

Projected Balance

$20,486.40

Effective APY
4.08%

The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.

📈 Compare Savings Rates Over Time

Historical Performance

Last 1 Month Analysis
MetricClimate First BankElevault
Super Duper Savings AccountHigh Yield Savings Account
Current APY
4.21%4.08%
Trend
Stable Stable
Velocity (bps/mo)
0.00.0
Days Since Change
1111
1-Month High
4.21%4.08%
1-Month Low
4.21%4.08%
Adjustments / Mo
0.000.00
Volatility Score
0.0000.000
How to read these metrics(Click to expand)

Trends & Velocity

  • Trend: The general direction of the rate over the analyzed period. Useful for spotting if a bank is currently aggressive or pulling back.
  • Velocity (bps/mo): Speed of change. A high positive number means they raise rates quickly. 10 bps = 0.10%.
  • Adjustments/Mo: "Twitchiness." High frequency means the rate changes constantly; low frequency means it's stable.

Risk & Range

  • High/Low: The absolute ceiling and floor of the rate during the 12-day window.
  • Volatility Score: Lower is better for predictability. It indicates how wildly the rate swings relative to its average.
  • Days Since Change: If this number is high (e.g., >90), the rate is very sticky. If low, it changed recently.

More Comparisons

Compare Climate First Bank's APY of 4.21% with other banks
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Climate First Bank vs American Express3.40%$0
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Climate First Bank vs Chase Bank0.01%$0
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Climate First Bank vs CIT Bank3.75%$100
Climate First Bank vs Citibank3.30%$0
Climate First Bank vs Citizens Access™3.35%$0.01
Climate First Bank vs Discover Bank3.40%$0
Climate First Bank vs EverBank4.05%$0
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Climate First Bank vs FNBO Direct3.00%$1
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Climate First Bank vs LendingClub4.20%$0
Climate First Bank vs Marcus by Goldman Sachs3.65%$0
Climate First Bank vs Neighbors Bank4.50%$0
Climate First Bank vs Newtek Bank4.35%$0.01
Climate First Bank vs Openbank4.20%$500
Climate First Bank vs Peak Bank4.20%$100
Climate First Bank vs Pibank4.60%$0
Climate First Bank vs PNC3.53%$0
Climate First Bank vs Presidential Bank4.00%$5,000
Climate First Bank vs Quontic Bank3.75%$100
Climate First Bank vs Salem Five Direct3.71%$10
Climate First Bank vs Santander Bank0.01%$25
Climate First Bank vs SoFi Bank4.30%$0
Climate First Bank vs Synchrony Bank3.65%$0
Climate First Bank vs TIMBR4.40%$1,000
Climate First Bank vs UFB Direct3.71%$5000
Climate First Bank vs Valley Direct4.10%$1,000
Climate First Bank vs Varo Bank5.00%$0
Climate First Bank vs Vio Bank4.16%$100
Climate First Bank vs Wealthfront4.15%$0
Climate First Bank vs Wells Fargo0.05%$25
Climate First Bank vs Zynlo Bank4.05%$10
Compare Elevault's APY of 4.08% with other banks