Climate First Bank vs. MutualOne Bank
Compare rates, requirements, and features side-by-side to find the best option for you.
| Metric | Climate First BankSuper Duper Savings Account Jan 9, 2026 | MutualOne BankMo Premium Savings Jan 9, 2026 |
|---|---|---|
| APY | 4.21% | 4.07% |
Est. Earnings | $5,000+$211 $10,000+$421 $25,000+$1,053 | $5,000+$0 $10,000+$0 $25,000+$1,018 |
Min Deposit | $50 | $20,000 |
Snapshot view. Rates subject to change. | ||
| Features | FDIC InsuredLow MinimumsGreat iOS AppGreat Android AppIn-Person AccessZelle® Supported | FDIC InsuredHigh MinimumGreat iOS AppGreat Android AppIn-Person AccessZelle® Supported |
Comparison Analysis
Comparing Climate First Bank vs. MutualOne Bank
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 MutualOne Bank's 4.07% APY for its Mo Premium Savings account, with a minimum balance of $20,000.
Climate First Bank pays $14 more than MutualOne Bank on a $10,000 balance after one year. Climate First Bank pays $421, while MutualOne Bank pays $407 - an APY advantage for Climate First Bank.
In addition, MutualOne Bank also offers 0.40% APY for the Online Savings account, with a minimum balance of 0.
Why Climate First Bank?
- ✓Higher potential APY (4.21% vs 4.07%) on all balances
Why MutualOne Bank?
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. $421 vs $0/yr).
Better Returns at $25,000
Climate First BankClimate First Bank's Super Duper Savings Account pulls ahead with larger amounts (approx. $1053 vs $1018/yr).
Shared Benefits
Over a 1-year period, Climate First Bank's Super Duper Savings Account pays $14 more interest on a $10,000 balance than MutualOne Bank's Mo Premium Savings.
*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 competitive Super Duper Savings Account with a high APY of 4.21%, making it the standout choice compared to MutualOne Bank's Mo Premium Savings, which has an APY of 4.07%. Notably, Climate First Bank's account requires a minimum deposit of just $50 and has no maintenance fee if electronic statements are selected. In contrast, MutualOne Bank's Mo Premium Savings requires a minimum deposit of $20,000 and a minimum balance of the same amount. Both banks do not require direct deposit for their savings accounts.
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
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Climate First Bank vs. MutualOne Bank Savings Calculator
You earn $28 more with Climate First Bank than MutualOne Bank on a $20,000 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+$842.00(4.0%)
- Total Contributions$0
- Initial Deposit$20,000
Projected Balance
$20,842.00
MutualOne Bank
Mo Premium Savings
Savings Breakdown
- Interest Earned+$814.00(3.9%)
- Total Contributions$0
- Initial Deposit$20,000
Projected Balance
$20,814.00
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
| Feature | Climate First Bank | MutualOne Bank |
|---|---|---|
| APY | 4.21% Verified: 1/9/2026 - | 4.07% Verified: 1/9/2026 Stable (90d) |
| Product Name | Super Duper Savings Account | Mo Premium Savings |
| Minimum Deposit | $50 | $20,000 |
| Min. Balance for APY | $0 | $20,000 |
| Monthly Fee | $0, if electronic statements selected, otherwise $5 | $0 |
| Branch Access | Yes | Yes |
| Account Type | Online & Branches | Online & Branches |
| Direct Deposit Req. | None | None |
| Checking Bundle | No | No |
| Mobile Apps | iOS4.9 Android4.4 | iOS4.9 Android4.4 |
| Zelle® Support | Available Verified in Climate First Bank Personal app. | Available Verified via website and app descriptions. |
| BBB Rating | B+ | A+ |
| Next Steps | Visit SiteVerify at Climate First Bank Non-sponsored link to official site | Visit SiteVerify at MutualOne Bank Non-sponsored link to official site |
📈 Compare Savings Rates Over Time
Historical Performance
| Metric | Climate First Bank | MutualOne Bank | |
|---|---|---|---|
| Super Duper Savings Account | Online Savings | Mo Premium Savings | |
Current APY | 4.21% | 0.40% | 4.07% |
Trend | Stable | Stable | Stable |
Velocity (bps/mo) | 0.0 | 0.0 | 0.0 |
Days Since Change | 45 | 45 | 45 |
2-Month High | 4.21% | 0.40% | 4.07% |
2-Month Low | 4.21% | 0.40% | 4.07% |
Adjustments / Mo | 0.00 | 0.00 | 0.00 |
Volatility Score | 0.000 | 0.000 | 0.000 |
How to read these metrics(Click to expand)
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