Climate First Bank vs. FNBO Direct
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
FNBO Direct
High-Yield Online Savings Account
3.00%APYDec 6, 2025FDIC InsuredLow MinimumsGreat iOS AppGreat Android AppShow Fine Print & Trends Hide Details
FNBO Direct
High-Yield Online Savings Account
Comparison Analysis
Comparing Climate First Bank vs. FNBO Direct
Why Climate First Bank?
- ✓Higher potential APY (4.21% vs 3.00%) 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 4.5)
Why FNBO Direct?
- ✓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 $300/yr).
Better Returns at $25,000
Climate First BankClimate First Bank's Super Duper Savings Account pulls ahead with larger amounts (approx. $1053 vs $750/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.
Best Mobile App Experience
Climate First BankClimate First Bank offers an iOS app rated 4.9 (vs. 4.5) and Android app rated 4.4 (vs. 4.8)
Shared Benefits
Over a 1-year period, Climate First Bank's Super Duper Savings Account pays $121 more interest on a $10,000 balance than FNBO Direct's High-Yield Online Savings Account.
Executive Summary
Climate First Bank offers a Super Duper Savings Account with a competitive APY of 4.21%, making it the superior choice compared to FNBO Direct's High-Yield Online Savings Account, which has an APY of 3.00%. Climate First Bank's account stands out for its simplicity, requiring no direct deposit and no maintenance fees if electronic statements are selected. Additionally, it allows a minimum deposit of $50. In contrast, FNBO Direct's account is online-only, requires a minimum deposit of just $1, and has no maintenance fees, but it does not match the higher yield of Climate First Bank.
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 FNBO Direct.
| Feature | Climate First Bank | FNBO Direct |
|---|---|---|
| APY | 4.21% Verified: 12/6/2025 - | 3.00% Verified: 12/6/2025 ↘︎ 0.25%90d Change |
| Product Name | Super Duper Savings Account | High-Yield Online Savings Account |
| Minimum Deposit | $50 | $1 |
| Min. Balance for APY | $0 | $0.01 |
| 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 | iOS4.5 Android4.8 |
| BBB Rating | A- | A+ |
| Next Steps |
Savings Comparison
Climate First Bank earns $772.6 more than FNBO Direct.
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
FNBO Direct
High-Yield Online Savings Account
Savings Breakdown
- Interest Earned+$1,798.20(9.1%)
- Total Contributions$13,000
- Initial Deposit$5,000
Projected Balance
$19,798.20
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 | FNBO Direct |
|---|---|---|
| Super Duper Savings Account | High-Yield Online Savings Account | |
Current APY | 4.21% | 3.00% |
Trend | Stable | Stable |
Velocity (bps/mo) | 0.0 | 0.0 |
Days Since Change | 11 | 11 |
1-Month High | 4.21% | 3.00% |
1-Month Low | 4.21% | 3.00% |
Adjustments / Mo | 0.00 | 0.00 |
Volatility Score | 0.000 | 0.000 |
How to read these metrics(Click to expand)
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