Climate First Bank vs. Openbank
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 | OpenbankHigh-Yield Savings Account Jan 21, 2026 |
|---|---|---|
| APY | 4.21% | 4.20% |
Est. Earnings | $5,000+$211 $10,000+$421 $25,000+$1,053 | $5,000+$210 $10,000+$420 $25,000+$1,050 |
Min Deposit | $50 | $500 |
Snapshot view. Rates subject to change. | ||
| Features | FDIC InsuredLow MinimumsGreat iOS AppGreat Android AppIn-Person AccessZelle® Supported | FDIC InsuredLow Minimums |
Comparison Analysis
Comparing Climate First Bank vs. Openbank
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 Openbank's 4.20% APY for its High-Yield Savings Account, with a minimum balance of $0.
Climate First Bank pays $1 more than Openbank on a $10,000 balance after one year. Climate First Bank pays $421, while Openbank pays $420 - an APY advantage for Climate First Bank.
Why Climate First Bank?
- ✓Physical branch access (3 locations in Florida (St. Petersburg, Mount Dora, Winter Park), and one coming soon in Orlando, FL)
- ✓Higher rated iOS app (4.9 vs 3.1)
- ✓Higher rated Android app (4.4 vs 2.8)
- ✓Fast transfers via Zelle®
Why Openbank?
No distinct advantages found vs Climate First Bank.
— Key Feature Differences —
Best Mobile App Experience
Climate First BankClimate First Bank offers an iOS app rated 4.9 (vs. 3.1) and Android app rated 4.4 (vs. 2.8)
Shared Benefits
Over a 1-year period, Climate First Bank's Super Duper Savings Account pays $1 more interest on a $10,000 balance than Openbank'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 top choice compared to Openbank's High-Yield Savings Account, which offers an APY of 4.20%. Both accounts have no maintenance fees and require no direct deposit, but Climate First Bank has a lower minimum deposit of $50 compared to Openbank's $500. Additionally, Climate First Bank provides a superior mobile app experience, with its iOS and Android apps receiving high ratings. Openbank's account is online-only, which may be a consideration for potential customers.
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. Openbank Savings Calculator
You earn $1 more with Climate First Bank than Openbank 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
Openbank
High-Yield Savings Account
Savings Breakdown
- Interest Earned+$420.00(4.0%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,420.00
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
| Feature | Climate First Bank | Openbank |
|---|---|---|
| APY | 4.21% Verified: 1/21/2026 - | 4.20% Verified: 1/21/2026 Stable (90d) |
| Product Name | Super Duper Savings Account | High-Yield Savings Account |
| Minimum Deposit | $50 | $500 |
| 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 | iOS3.1 Android2.8 |
| Zelle® Support | Available Verified in Climate First Bank Personal app. | Not Supported |
| BBB Rating | A- | Not Rated |
| Next Steps | Visit SiteVerify at Climate First Bank Non-sponsored link to official site | Visit SiteVerify at Openbank Non-sponsored link to official site |
📈 Compare Savings Rates Over Time
Historical Performance
| Metric | Climate First Bank | Openbank |
|---|---|---|
| Super Duper Savings Account | High-Yield Savings Account | |
Current APY | 4.21% | 4.20% |
Trend | Stable | Stable |
Velocity (bps/mo) | 0.0 | -0.0 |
Days Since Change | 56 | 56 |
2-Month High | 4.21% | 4.20% |
2-Month Low | 4.21% | 4.20% |
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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