Climate First Bank vs. Fitness Bank
Compare rates, requirements, and features side-by-side to find the best option for you.
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
Fitness Bank
Fitness Elite Checking & Fitness Savings Combo
4.75%APYDec 6, 2025FDIC InsuredChecking BundleLow MinimumsShow Fine Print & Trends Hide Details
Fitness Bank
Fitness Elite Checking & Fitness Savings Combo
Comparison Analysis
Comparing Climate First Bank vs. Fitness Bank
Why Climate First Bank?
- ✓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 1.7)
- ✓Higher rated Android app (4.4 vs 0.0)
Why Fitness Bank?
- ✓Higher potential APY (4.45%-4.75% vs 4.21%) on all balances
- ✓Offers 2 different high-yield savings options
— Key Feature Differences —
Better Returns at $10,000
Fitness BankFitness Bank's Fitness Elite Checking & Fitness Savings Combo earns more on smaller deposits (approx. $475 vs $421/yr).
Better Returns at $25,000
Fitness BankFitness Bank's Fitness Elite Checking & Fitness Savings Combo pulls ahead with larger amounts (approx. $1188 vs $1053/yr).
Best for Simplicity
Fitness BankFitness Bank's Fitness Savings Account offers 4.45% APY with no bundling, direct deposit requirement or caps.
Best for All-in-One Banking
Fitness BankFitness Bank's Fitness Elite Checking & Fitness Savings Combo pays a superior APY for customers who also open a checking account.
Best Mobile App Experience
Climate First BankClimate First Bank offers an iOS app rated 4.9 (vs. 1.7) and Android app rated 4.4 (vs. 0.0)
Shared Benefits
Over a 1-year period, Fitness Bank's Fitness Elite Checking & Fitness Savings Combo pays $54 more interest on a $10,000 balance than Climate First Bank's Super Duper Savings Account.
Executive Summary
Fitness Bank offers a competitive APY of 4.75% through its Fitness Elite Checking & Fitness Savings Combo, which requires maintaining a $5,000 average minimum balance and making 15 debit card transactions per account period, along with tracking daily steps using their app. Alternatively, their Fitness Savings Account provides a solid 4.45% APY without the need for bundling or direct deposit. In comparison, Climate First Bank's Super Duper Savings Account yields a lower 4.21% APY, requiring a minimum deposit of $50 and offering a maintenance fee structure based on statement preferences. While Climate First Bank excels in mobile app experience, Fitness Bank stands out for higher returns and simplicity.
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.
| Feature | Climate First Bank | Fitness Bank |
|---|---|---|
| APY | 4.21% Verified: 12/6/2025 - | 4.75% Verified: 12/6/2025 Stable (90d) |
| Product Name | Super Duper Savings Account | Fitness Elite Checking & Fitness Savings Combo |
| Minimum Deposit | $50 | $100 |
| Min. Balance for APY | $0 | $100 |
| Monthly Fee | $0, if electronic statements selected, otherwise $5 | $10. Waived for average daily balances > $100 |
| Branch Access | Yes | None |
| Account Type | Online & Branches | Online Only |
| Direct Deposit Req. | None | None |
| Checking Bundle | No | Yes |
| Mobile Apps | iOS4.9 Android4.4 | iOS1.7 Android0.0 |
| BBB Rating | A- | A+ |
| Important Notes | - | This is a tiered account. To earn the highest tier you must make 15 debit card transactions per Account Period, maintain $5,000 avg. minimum balance in the Elite Checking account, track at least 10,000 avg. daily steps using the FitnessBank Step Tracker app, as well as maintain a savings balance of $100. Failure to do so will result in a lower APY. See bank for more details and all tiers. |
| Next Steps |
Savings Comparison
Fitness Bank earns $353.9 more than Climate First Bank.
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
Fitness Bank
Fitness Elite Checking & Fitness Savings Combo
Savings Breakdown
- Interest Earned+$2,924.70(14.0%)
- Total Contributions$13,000
- Initial Deposit$5,000
Projected Balance
$20,924.70
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
📈 Compare Savings Rates Over Time
Historical Performance
| Metric | Climate First Bank | Fitness Bank | |
|---|---|---|---|
| Super Duper Savings Account | Fitness Elite Checking & Fitness Savings Combo | Fitness Savings Account | |
Current APY | 4.21% | 4.75% | 4.45% |
Trend | Stable | Stable | Stable |
Velocity (bps/mo) | 0.0 | 0.0 | -0.0 |
Days Since Change | 11 | 11 | 11 |
1-Month High | 4.21% | 4.75% | 4.45% |
1-Month Low | 4.21% | 4.75% | 4.45% |
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 Alternatives
Compare Climate First Bank vs...
Comparing against Standard Savings
Compare Fitness Bank vs...
Comparing against other Bundled Accounts