Climate First Bank vs. Marcus by Goldman Sachs
Compare rates, requirements, and features side-by-side to find the best option for you.
| Metric | Climate First BankSuper Duper Savings Account Jan 21, 2026 | Marcus by Goldman SachsMarcus Online Savings Account Jan 21, 2026 |
|---|---|---|
| APY | 4.21% | 3.65% |
Est. Earnings | $5,000+$211 $10,000+$421 $25,000+$1,053 | $5,000+$183 $10,000+$365 $25,000+$912 |
Min Deposit | $50 | $0 |
Snapshot view. Rates subject to change. | ||
| Features | FDIC InsuredLow MinimumsGreat iOS AppGreat Android AppIn-Person AccessZelle® Supported | FDIC InsuredNo MinimumsGreat iOS AppGreat Android App |
Comparison Analysis
Comparing Climate First Bank vs. Marcus by Goldman Sachs
As of Climate First Bank offers an APY of 4.21% for its Super Duper Savings Account, with a minimum balance of $0, compared to Marcus by Goldman Sachs's 3.65% APY for its Marcus Online Savings Account, with a minimum balance of $0.
Climate First Bank pays $56 more than Marcus by Goldman Sachs on a $10,000 balance after one year. Climate First Bank pays $421, while Marcus by Goldman Sachs pays $365 - an APY advantage for Climate First Bank.
Why Climate First Bank?
- ✓Higher potential APY (4.21% vs 3.65%) on all balances
- ✓Physical branch access (3 locations in Florida (St. Petersburg, Mount Dora, Winter Park), and one coming soon in Orlando, FL)
- ✓Fast transfers via Zelle®
Why Marcus by Goldman Sachs?
- ✓Higher rated Android app (4.9 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 $365/yr).
Better Returns at $25,000
Climate First BankClimate First Bank's Super Duper Savings Account pulls ahead with larger amounts (approx. $1053 vs $912/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.
Shared Benefits
Over a 1-year period, Climate First Bank's Super Duper Savings Account pays $56 more interest on a $10,000 balance than Marcus by Goldman Sachs's Marcus Online Savings Account.
*This calculation assumes current rates remain consistent for 1 year and does not include temporary bonuses.
Executive Summary as of
Climate First Bank offers a Super Duper Savings Account with a competitive APY of 4.21%, which is significantly higher than the 3.65% APY provided by Marcus by Goldman Sachs' Online Savings Account. The Super Duper Savings Account requires a minimum deposit of $50 and has no maintenance fees if electronic statements are selected, making it a strong choice for savers. Additionally, it does not require direct deposit and has no caps on earnings, ensuring simplicity and accessibility. In contrast, Marcus' account is online-only and has a minimum deposit of $0, but it cannot match the higher yield of Climate First Bank.
The analysis is based on current Banksparency database records
* This content is provided for informational purposes only; always verify details with the provider.
Non-sponsored link to official site
Non-sponsored link to official site
Top Market Contenders
Climate First Bank vs. Marcus by Goldman Sachs Savings Calculator
You earn $56 more with Climate First Bank than Marcus by Goldman Sachs 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+$421.00(4.0%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,421.00
Marcus by Goldman Sachs
Marcus Online Savings Account
Savings Breakdown
- Interest Earned+$365.00(3.5%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,365.00
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
| Feature | Climate First Bank | Marcus by Goldman Sachs |
|---|---|---|
| APY | 4.21% Verified: 1/21/2026 - | 3.65% Verified: 1/21/2026 Stable (90d) |
| Product Name | Super Duper Savings Account | Marcus Online Savings Account |
| Minimum Deposit | $50 | $0 |
| Min. Balance for APY | $0 | $0 |
| 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 | iOS4.9 Android4.9 |
| Zelle® Support | Available Verified in Climate First Bank Personal app. | Not Supported |
| BBB Rating | A- | A+ |
| Next Steps | Visit SiteVerify at Climate First Bank Non-sponsored link to official site | Visit SiteVerify at Marcus by Goldman Sachs Non-sponsored link to official site |
📈 Compare Savings Rates Over Time
Historical Performance
| Metric | Climate First Bank | Marcus by Goldman Sachs |
|---|---|---|
| Super Duper Savings Account | Marcus Online Savings Account | |
Current APY | 4.21% | 3.65% |
Trend | Stable | Stable |
Velocity (bps/mo) | 0.0 | 0.0 |
Days Since Change | 56 | 56 |
2-Month High | 4.21% | 3.65% |
2-Month Low | 4.21% | 3.65% |
Adjustments / Mo | 0.00 | 0.00 |
Volatility Score | 0.000 | 0.000 |
How to read these metrics(Click to expand)
Compare Similar High-Yield Accounts
Compare Climate First Bank vs...
Comparing against Standard Savings
Compare Marcus by Goldman Sachs vs...
Comparing against Standard Savings
High Rates (With Checking Bundle)
Looking for something different? Check out these top-rated alternatives.