Climate First Bank vs. EverBank
Comparing Climate First Bank and EverBank for high-yield savings: Climate First Bank's Super Duper Savings Account pays 4.01% APY while EverBank's Performance Savings pays 3.90% APY.
See how they compare on rate stability, mobile app ratings, and more below.
The Bottom Line
Who pays more interest on $10,000? Climate First Bank pays $11 more than EverBank annually ($401 vs $390).
Choose Climate First Bank if getting the best rate matters most, or you value in-person banking.
| Metric | Climate First BankSuper Duper Savings Account Apr 21, 2026 | EverBankPerformance Savings Apr 21, 2026 |
|---|---|---|
| APY | 4.01% | 3.90% |
Est. Earnings | $5,000+$200 $10,000+$401 $25,000+$1,002 | $5,000+$195 $10,000+$390 $25,000+$975 |
Min Deposit | $50 | $0 |
Snapshot view. Rates subject to change. | ||
| Features | FDIC InsuredLow MinimumsGreat iOS AppGreat Android AppIn-Person AccessZelle® SupportedStable Rate | FDIC InsuredNo MinimumsGreat iOS AppGreat Android AppZelle® SupportedDaily CompoundingRate Changes Often |
Comparison Analysis
Comparing Climate First Bank vs. EverBank
Executive Summary
Climate First Bank offers a Super Duper Savings Account with a competitive APY of 4.01%, making it the winner in this comparison. This account provides better returns on both smaller and larger deposits compared to EverBank's Performance Savings account, which has an APY of 3.90%. Both accounts have no maintenance fees and do not require direct deposit, with Climate First Bank's account requiring a minimum deposit of $50. EverBank's account, however, is online-only and has no minimum deposit requirement.
The analysis is based on current Banksparency database records
* This content is provided for informational purposes only; always verify details with the provider.
Why Climate First Bank?
- ✓Higher potential APY (4.01% vs 3.90%) on all balances
Why EverBank?
No distinct advantages found vs Climate First Bank.
— Key Feature Differences —
Better Returns at $10,000
Climate First BankClimate First Bank's Super Duper Savings Account earns more on smaller deposits (approx. $401 vs $390/yr).
Better Returns at $25,000
Climate First BankClimate First Bank's Super Duper Savings Account pulls ahead with larger amounts (approx. $1002 vs $975/yr).
Shared Benefits
Over a 1-year period, Climate First Bank's Super Duper Savings Account pays $11 more interest on a $10,000 balance than EverBank's Performance Savings.
*This calculation assumes current rates remain consistent for 1 year and does not include temporary bonuses.
Non-sponsored link to official site
Non-sponsored link to official site
Top Market Contenders
Climate First Bank vs. EverBank Savings Calculator
You earn $11 more with Climate First Bank than EverBank 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+$401.00(3.9%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,401.00
EverBank
Performance Savings
Savings Breakdown
- Interest Earned+$390.00(3.8%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,390.00
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
Still banking with Chase, Bank of America, or Wells Fargo?
On a $10,000 balance, you're missing out on at least $389 per year in interest.
Both Climate First Bank and EverBank dramatically outperform the typical 0.01% APY at traditional big banks.
| Feature | Climate First Bank | EverBank |
|---|---|---|
| APY | 4.01% Verified: 4/21/2026 ↘︎ 0.20%90d Change | 3.90% Verified: 4/21/2026 Stable (90d) |
| Product Name | Super Duper Savings Account | Performance Savings |
| Minimum Deposit | $50 | $0 |
| Min. Balance for APY | $0 | $0 |
| Monthly Fee | $0, if electronic statements selected, otherwise $5 | $0 |
| Compound Frequency | N/A | Daily |
| Branch Access | Yes | None |
| Account Type | Online & Branches | Online Only |
| Physical Branches | 3 locations in Florida (St. Petersburg, Mount Dora, Winter Park), and one coming soon in Orlando, FL | 11 locations in Florida and California |
| Direct Deposit Req. | None | None |
| Checking Bundle | No | No |
| Mobile Apps | ||
| FDIC Insured | YesVerify FDIC | YesVerify FDIC |
| Zelle® Support | Available Verified in Climate First Bank Personal app. | Available Native integration verified. |
| BBB Rating | A+ | A+ |
| Next Steps | Visit SiteVerify at Climate First Bank Non-sponsored link to official site | Visit SiteVerify at EverBank Non-sponsored link to official site |
📈 Compare Savings Rates Over Time
Historical Performance
| Metric | Climate First Bank | EverBank |
|---|---|---|
| Super Duper Savings Account | Performance Savings | |
Current APY | 4.01% | 3.90% |
Trend | Stable | Stable |
Velocity (bps/mo) | -5.6 | -2.5 |
Days Since Change | 53 | 123 |
5-Month High | 4.21% | 4.05% |
5-Month Low | 4.01% | 3.90% |
Adjustments / Mo | 0.20 | 0.20 |
Volatility Score | 0.023 | 0.014 |
How to read these metrics(Click to expand)
Compare Similar High-Yield Accounts
Compare Climate First Bank vs...
Comparing against Standard Savings
Compare EverBank vs...
Comparing against Standard Savings
High Rates (With Checking Bundle)
Looking for something different? Check out these top-rated alternatives.
More Comparisons
Compare Climate First Bank's APY of 4.01% with other banks
| Bank Pair | Competitor APY | Min Deposit |
|---|---|---|
| Climate First Bank vs Ally Bank | 3.10% | $0 |
| Climate First Bank vs American Express | 3.20% | $0 |
| Climate First Bank vs Axos Bank | 4.21% | $0 |
| Climate First Bank vs Barclays | 3.75% | $0 |
| Climate First Bank vs Capital One | 3.20% | $0 |
| Climate First Bank vs Chime | 3.00% | $0 |
| Climate First Bank vs CIT Bank | 3.75% | $100 |
| Climate First Bank vs Discover Bank | 3.30% | $0 |
| Climate First Bank vs Marcus by Goldman Sachs | 3.50% | $0 |
| Climate First Bank vs Newtek Bank | 4.20% | $0.01 |
| Climate First Bank vs Openbank | 4.00% | $500 |
| Climate First Bank vs Pibank | 4.40% | $0 |
| Climate First Bank vs SoFi Bank | 4.00% | $0 |
| Climate First Bank vs Synchrony Bank | 3.40% | $0 |
| Climate First Bank vs Varo Bank | 5.00% | $0 |
| Climate First Bank vs Wealthfront | 4.20% | $0 |