High-Yield Savings Account Comparison

Climate First Bank vs. Neighbors Bank

Compare rates, requirements, and features side-by-side to find the best option for you.

Analysis by Aviel Fahl

Updated December 6, 2025

Advertising Disclosure: We may earn a commission from partner links.

Climate First Bank

Super Duper Savings Account

4.21%

APY

Dec 6, 2025

FDIC InsuredLow MinimumsGreat iOS AppGreat Android AppIn-Person Access

Show Fine Print & Trends

Min. Deposit	$50
Min. Balance	$0
Maintenance Fee	$0, if electronic statements selected, otherwise $5
Compound Freq	N/A
Direct Deposit	Not required
Branch Access	3 locations in Florida (St. Petersburg, Mount Dora, Winter Park), and one coming soon in Orlando, FL
Deposit Insurance	FDIC Insured(Cert: 59257)
Eligibility	United States
Mobile Ratings	iOS:4.9 Android:4.4
BBB Rating	A-(Not BBB Accredited)

Rate Stability

StableNo rate changes in last 7 days

Read Bank Overview

Neighbors Bank

Neighbors Savings Account

4.50%

APY

Dec 6, 2025

FDIC InsuredNo MinimumsGreat Android AppIn-Person Access

Show Fine Print & Trends

Min. Deposit	$0
Min. Balance	$0
Maintenance Fee	$0
Compound Freq	N/A
Direct Deposit	Not required
Branch Access	One location in Columbia, Missouri
Deposit Insurance	FDIC Insured(Cert: 16247)
Eligibility	Not available in Delaware.
Mobile Ratings	iOS:3.3 Android:4.4
BBB Rating	A+(BBB Accredited)

Important Note

Balances up to $250,000 earn 4.50% APY. Anything above will earn 0.05% APY.

Rate Stability

Rate Adjusted

-0.10%

Since 90 days ago

Read Bank Overview

Comparison Analysis

Comparing Climate First Bank vs. Neighbors Bank

Updated: Dec 6, 2025

Why Climate First Bank?

✓Higher rated iOS app (4.9 vs 3.3)
✓Available Nationwide

Why Neighbors Bank?

✓Higher potential APY (4.50% vs 4.21%) on all balances

— Key Feature Differences —

Better Returns at $10,000

Neighbors Bank

Neighbors Bank's Neighbors Savings Account earns more on smaller deposits (approx. $450 vs $421/yr).

Better Returns at $25,000

Neighbors Bank

Neighbors Bank's Neighbors Savings Account pulls ahead with larger amounts (approx. $1125 vs $1053/yr).

Best for Simplicity

Neighbors Bank

Neighbors Bank's Neighbors Savings Account offers 4.50% APY with no bundling, direct deposit requirement or caps.

Best Mobile App Experience

Climate First Bank

Climate First Bank offers an iOS app rated 4.9 (vs. 3.3) and Android app rated 4.4 (vs. 4.4)

Shared Benefits

Available to New & Existing Customers

The Bottom Line

Over a 1-year period, Neighbors Bank's Neighbors Savings Account pays $29 more interest on a $10,000 balance than Climate First Bank's Super Duper Savings Account.

Climate First BankNeighbors Bank

Automated Data Audit

Executive Summary

Neighbors Bank offers the Neighbors Savings Account with a competitive APY of 4.50%, making it the higher-yield option compared to Climate First Bank's Super Duper Savings Account, which has an APY of 4.21%. Neighbors Bank's account is advantageous for simplicity, as it has no minimum deposit, maintenance fees, or direct deposit requirements, although it is not available in Delaware. In contrast, Climate First Bank provides a strong mobile app experience, with its iOS app rated 4.9. Both accounts have no minimum balance requirements and are FDIC insured.

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.

ExploreClimate First Bank ExploreNeighbors Bank

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See who beats both Climate First Bank and Neighbors Bank.

Compare All High-Yield Savings Accounts

Pibank

Pibank Savings

FDIC InsuredNo Minimums

4.60% APY

+0.10% vs Neighbors Bank

Better Rate

Pibank vs Climate First Bank Pibank vs Neighbors Bank

Feature	Climate First Bank	Neighbors Bank
APY	4.21% Verified: 12/6/2025 -	4.50% Verified: 12/6/2025 ↘︎ 0.10%90d Change
Product Name	Super Duper Savings Account	Neighbors 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	Yes
Account Type	Online & Branches	Online & Branches
Direct Deposit Req.	None	None
Checking Bundle	No	No
Mobile Apps	iOS4.9 Android4.4	iOS3.3 Android4.4
BBB Rating	A-	A+
Important Notes	-	Balances up to $250,000 earn 4.50% APY. Anything above will earn 0.05% APY.
Next Steps	- View Details	- View Details

Savings Comparison

Calculations based on current APY.

Initial Deposit

Recurring Deposit

Frequency

Duration

Neighbors Bank earns $189.3 more than Climate First Bank.

Climate First Bank

Super Duper Savings Account

4.21% APY

Savings Breakdown

Interest Earned
+$2,570.80(12.5%)
Total Contributions
$13,000
Initial Deposit
$5,000

Projected Balance

$20,570.80

Effective APY

4.21%

View Details

Neighbors Bank

Neighbors Savings Account

4.50% APY

Savings Breakdown

Interest Earned
+$2,760.10(13.3%)
Total Contributions
$13,000
Initial Deposit
$5,000

Projected Balance

$20,760.10

Effective APY

4.50%

View Details

The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.

📈 Compare Savings Rates Over Time

Historical Performance

Last 1 Month Analysis

Metric	Climate First Bank	Neighbors Bank
	Super Duper Savings Account	Neighbors Savings Account
Current APYMost recent advertised annual-percentage yield.	4.21%	4.50%
TrendDirection over the last 1 months (regression slope).	Stable	Stable
Velocity (bps/mo)Average monthly change; 10 bps = 0.10 pp.	0.0	0.0
Days Since ChangeRecency of the latest APY adjustment.	11	11
1-Month HighHighest APY in the last 12 days.	4.21%	4.50%
1-Month LowLowest APY in the last 12 days.	4.21%	4.50%
Adjustments / MoTypical number of APY moves per month.	0.00	0.00
Volatility ScoreCoefficient of variation (stdev ÷ mean). Lower is more stable.	0.000	0.000

How to read these metrics(Click to expand)

Trends & Velocity

Trend: The general direction of the rate over the analyzed period. Useful for spotting if a bank is currently aggressive or pulling back.
Velocity (bps/mo): Speed of change. A high positive number means they raise rates quickly. 10 bps = 0.10%.
Adjustments/Mo: "Twitchiness." High frequency means the rate changes constantly; low frequency means it's stable.

Risk & Range

High/Low: The absolute ceiling and floor of the rate during the 12-day window.
Volatility Score: Lower is better for predictability. It indicates how wildly the rate swings relative to its average.
Days Since Change: If this number is high (e.g., >90), the rate is very sticky. If low, it changed recently.

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More Comparisons

Compare Climate First Bank's APY of 4.21% with other banks

Bank Pair	Competitor APY	Min Deposit
Climate First Bank vs Ally Bank	3.30%	$0
Climate First Bank vs American Express	3.40%	$0
Climate First Bank vs Axos Bank	4.31%	$0
Climate First Bank vs Bank of America	0.01%	$100
Climate First Bank vs Barclays	4.00%	$0
Climate First Bank vs Bask Bank	3.90%	$0
Climate First Bank vs BMO Alto	3.25%	$0
Climate First Bank vs BrioDirect	4.00%	$5,000
Climate First Bank vs Capital One	3.40%	$0
Climate First Bank vs Chase Bank	0.01%	$0
Climate First Bank vs Chime	3.50%	$0
Climate First Bank vs CIT Bank	3.75%	$100
Climate First Bank vs Citibank	3.30%	$0
Climate First Bank vs Citizens Access™	3.35%	$0.01
Climate First Bank vs Discover Bank	3.40%	$0
Climate First Bank vs Elevault	4.08%	$0
Climate First Bank vs EverBank	4.05%	$0
Climate First Bank vs Fitness Bank	4.75%	$100
Climate First Bank vs FNBO Direct	3.00%	$1
Climate First Bank vs Forbright Bank	4.00%	$0
Climate First Bank vs FVCbank	3.85%	$500
Climate First Bank vs GO2bank	4.50%	$0
Climate First Bank vs Ivy Bank	4.25%	$2,500
Climate First Bank vs LendingClub	4.20%	$0
Climate First Bank vs Marcus by Goldman Sachs	3.65%	$0
Climate First Bank vs Newtek Bank	4.35%	$0.01
Climate First Bank vs Openbank	4.20%	$500
Climate First Bank vs Peak Bank	4.20%	$100
Climate First Bank vs Pibank	4.60%	$0
Climate First Bank vs PNC	3.53%	$0
Climate First Bank vs Presidential Bank	4.00%	$5,000
Climate First Bank vs Quontic Bank	3.75%	$100
Climate First Bank vs Salem Five Direct	3.71%	$10
Climate First Bank vs Santander Bank	0.01%	$25
Climate First Bank vs SoFi Bank	4.30%	$0
Climate First Bank vs Synchrony Bank	3.65%	$0
Climate First Bank vs TIMBR	4.40%	$1,000
Climate First Bank vs UFB Direct	3.71%	$5000
Climate First Bank vs Valley Direct	4.10%	$1,000
Climate First Bank vs Varo Bank	5.00%	$0
Climate First Bank vs Vio Bank	4.16%	$100
Climate First Bank vs Wealthfront	4.15%	$0
Climate First Bank vs Wells Fargo	0.05%	$25
Climate First Bank vs Zynlo Bank	4.05%	$10

Compare Neighbors Bank's APY of 4.50% with other banks

Bank Pair	Competitor APY	Min Deposit
Neighbors Bank vs Ally Bank	3.30%	$0
Neighbors Bank vs American Express	3.40%	$0
Neighbors Bank vs Axos Bank	4.31%	$0
Neighbors Bank vs Bank of America	0.01%	$100
Neighbors Bank vs Barclays	4.00%	$0
Neighbors Bank vs Bask Bank	3.90%	$0
Neighbors Bank vs BMO Alto	3.25%	$0
Neighbors Bank vs BrioDirect	4.00%	$5,000
Neighbors Bank vs Capital One	3.40%	$0
Neighbors Bank vs Chase Bank	0.01%	$0
Neighbors Bank vs Chime	3.50%	$0
Neighbors Bank vs CIT Bank	3.75%	$100
Neighbors Bank vs Citibank	3.30%	$0
Neighbors Bank vs Citizens Access™	3.35%	$0.01
Neighbors Bank vs Discover Bank	3.40%	$0
Neighbors Bank vs Elevault	4.08%	$0
Neighbors Bank vs EverBank	4.05%	$0
Neighbors Bank vs Fitness Bank	4.75%	$100
Neighbors Bank vs FNBO Direct	3.00%	$1
Neighbors Bank vs Forbright Bank	4.00%	$0
Neighbors Bank vs FVCbank	3.85%	$500
Neighbors Bank vs GO2bank	4.50%	$0
Neighbors Bank vs Ivy Bank	4.25%	$2,500
Neighbors Bank vs LendingClub	4.20%	$0
Neighbors Bank vs Marcus by Goldman Sachs	3.65%	$0
Neighbors Bank vs Newtek Bank	4.35%	$0.01
Neighbors Bank vs Openbank	4.20%	$500
Neighbors Bank vs Peak Bank	4.20%	$100
Neighbors Bank vs Pibank	4.60%	$0
Neighbors Bank vs PNC	3.53%	$0
Neighbors Bank vs Presidential Bank	4.00%	$5,000
Neighbors Bank vs Quontic Bank	3.75%	$100
Neighbors Bank vs Salem Five Direct	3.71%	$10
Neighbors Bank vs Santander Bank	0.01%	$25
Neighbors Bank vs SoFi Bank	4.30%	$0
Neighbors Bank vs Synchrony Bank	3.65%	$0
Neighbors Bank vs TIMBR	4.40%	$1,000
Neighbors Bank vs UFB Direct	3.71%	$5000
Neighbors Bank vs Valley Direct	4.10%	$1,000
Neighbors Bank vs Varo Bank	5.00%	$0
Neighbors Bank vs Vio Bank	4.16%	$100
Neighbors Bank vs Wealthfront	4.15%	$0
Neighbors Bank vs Wells Fargo	0.05%	$25
Neighbors Bank vs Zynlo Bank	4.05%	$10