Climate First Bank vs. Ivy 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
Ivy Bank
High-Yield Savings Account
Up to4.25%APYDec 6, 2025FDIC InsuredMod. MinimumGreat iOS AppRange: 0.05% – 4.25%Show Fine Print & Trends Hide Details
Ivy Bank
High-Yield Savings Account
Comparison Analysis
Comparing Climate First Bank vs. Ivy Bank
Why Climate First Bank?
- ✓No checking account or direct deposit required
- ✓Physical branch access (3 locations in Florida (St. Petersburg, Mount Dora, Winter Park), and one coming soon in Orlando, FL)
- ✓Higher rated Android app (4.4 vs 3.5)
- ✓Available Nationwide
Why Ivy Bank?
No distinct advantages found vs Climate First Bank.
— Key Feature Differences —
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. 4.7) and Android app rated 4.4 (vs. 3.5)
Shared Benefits
Over a 1-year period, Ivy Bank's High-Yield Savings Account pays $4 more interest on a $10,000 balance than Climate First Bank's Super Duper Savings Account.
Executive Summary
Ivy Bank's High-Yield Savings Account offers a slightly higher APY of 4.25% compared to Climate First Bank's Super Duper Savings Account, which provides an APY of 4.21%. Both accounts have no direct deposit requirement and no maintenance fees, but Ivy Bank requires a minimum deposit and balance of $2,500, while Climate First Bank only requires $50. Additionally, Ivy Bank is an online-only institution, and eligibility is restricted to residents of California and U.S. Territories, excluding the District of Columbia. For those seeking simplicity and lower minimum requirements, Climate First Bank's account is a viable alternative.
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 Ivy Bank.
| Feature | Climate First Bank | Ivy Bank |
|---|---|---|
| APY | 4.21% Verified: 12/6/2025 - | 4.25% Range: 0.05% - 4.25% Verified: 12/6/2025 - |
| Product Name | Super Duper Savings Account | High-Yield Savings Account |
| Minimum Deposit | $50 | $2,500 |
| Min. Balance for APY | $0 | $2,500 |
| 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 | iOS4.7 Android3.5 |
| BBB Rating | A- | A- |
| Next Steps |
Savings Comparison
Ivy Bank earns $26 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
Ivy Bank
High-Yield Savings Account
Savings Breakdown
- Interest Earned+$2,596.80(12.6%)
- Total Contributions$13,000
- Initial Deposit$5,000
Projected Balance
$20,596.80
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 | Ivy Bank |
|---|---|---|
| Super Duper Savings Account | High-Yield Savings Account | |
Current APY | 4.21% | 4.25% |
Trend | Stable | Stable |
Velocity (bps/mo) | 0.0 | 0.0 |
Days Since Change | 11 | 11 |
1-Month High | 4.21% | 4.25% |
1-Month Low | 4.21% | 4.25% |
Adjustments / Mo | 0.00 | 0.00 |
Volatility Score | 0.000 | 0.000 |
How to read these metrics(Click to expand)
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