Climate First Bank vs. My Banking Direct
Compare rates, requirements, and features side-by-side to find the best option for you.
| Metric | Climate First BankSuper Duper Savings Account Jan 7, 2026 | My Banking DirectHigh Yield Savings Account Jan 7, 2026 |
|---|---|---|
| APY | 4.21% | 4.02% |
Est. Earnings | $5,000+$211 $10,000+$421 $25,000+$1,053 | $5,000+$201 $10,000+$402 $25,000+$1,005 |
Min Deposit | $50 | $500 |
Snapshot view. Rates subject to change. | ||
| Features | FDIC InsuredLow MinimumsGreat iOS AppGreat Android AppIn-Person AccessZelle® Supported | FDIC InsuredLow MinimumsGreat iOS AppGreat Android AppZelle® Supported |
Comparison Analysis
Comparing Climate First Bank vs. My Banking Direct
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 My Banking Direct's 4.02% APY for its High Yield Savings Account, with a minimum balance of $1.
Climate First Bank pays $19 more than My Banking Direct on a $10,000 balance after one year. Climate First Bank pays $421, while My Banking Direct pays $402 - an APY advantage for Climate First Bank.
Why Climate First Bank?
- ✓Higher potential APY (4.21% vs 4.02%) on all balances
- ✓Physical branch access (3 locations in Florida (St. Petersburg, Mount Dora, Winter Park), and one coming soon in Orlando, FL)
Why My Banking Direct?
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 $402/yr).
Better Returns at $25,000
Climate First BankClimate First Bank's Super Duper Savings Account pulls ahead with larger amounts (approx. $1053 vs $1005/yr).
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. 4.3)
Shared Benefits
Over a 1-year period, Climate First Bank's Super Duper Savings Account pays $19 more interest on a $10,000 balance than My Banking Direct's High Yield 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%, making it the winner in this comparison. This account does not require direct deposit and has a minimum deposit of $50, with no maintenance fees if electronic statements are chosen. In contrast, My Banking Direct's High Yield Savings Account provides a lower APY of 4.02%, requires a minimum deposit of $500, and is available online only. Both accounts are FDIC insured, but Climate First Bank stands out with its higher yield and better mobile app experience.
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. My Banking Direct Savings Calculator
You earn $19 more with Climate First Bank than My Banking Direct 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
My Banking Direct
High Yield Savings Account
Savings Breakdown
- Interest Earned+$402.00(3.9%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,402.00
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
| Feature | Climate First Bank | My Banking Direct |
|---|---|---|
| APY | 4.21% Verified: 1/7/2026 - | 4.02% Verified: 1/7/2026 ↘︎ 0.18%90d Change |
| Product Name | Super Duper Savings Account | High Yield Savings Account |
| Minimum Deposit | $50 | $500 |
| Min. Balance for APY | $0 | $1 |
| 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 Android4.3 |
| Zelle® Support | Available Verified in Climate First Bank Personal app. | Available Uses Flagstar/NYCB parent infrastructure. |
| BBB Rating | B+ | F |
| Next Steps | Visit SiteVerify at Climate First Bank Non-sponsored link to official site | Visit SiteVerify at My Banking Direct Non-sponsored link to official site |
📈 Compare Savings Rates Over Time
Historical Performance
| Metric | Climate First Bank | My Banking Direct |
|---|---|---|
| Super Duper Savings Account | High Yield Savings Account | |
Current APY | 4.21% | 4.02% |
Trend | Stable | Stable |
Velocity (bps/mo) | 0.0 | 0.0 |
Days Since Change | 42 | 42 |
1-Month High | 4.21% | 4.02% |
1-Month Low | 4.21% | 4.02% |
Adjustments / Mo | 0.00 | 0.00 |
Volatility Score | 0.000 | 0.000 |
How to read these metrics(Click to expand)
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High Rates (With Checking Bundle)
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