Climate First Bank vs. Openbank
Compare rates, requirements, and features side-by-side to find the best option for you.
Climate First Bank
Super Duper Savings Account
4.21%APYDec 6, 2025FDIC InsuredLow MinimumsGreat iOS AppGreat Android AppIn-Person AccessShow Fine Print & Trends Hide Details
Climate First Bank
Super Duper Savings Account
Openbank
High-Yield Savings Account
4.20%APYDec 6, 2025FDIC InsuredLow MinimumsShow Fine Print & Trends Hide Details
Openbank
High-Yield Savings Account
Comparison Analysis
Comparing Climate First Bank vs. Openbank
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 3.2)
- ✓Higher rated Android app (4.4 vs 3.1)
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. 3.2) and Android app rated 4.4 (vs. 3.1)
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.
Executive Summary
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 has an APY of 4.20%. Both accounts have no maintenance fees and require no direct deposit, although Climate First Bank has a lower minimum deposit of $50 compared to Openbank's $500. Additionally, Climate First Bank is noted for its excellent mobile app experience, providing users with a higher-rated app on both iOS and Android. Openbank operates as an online-only bank, which may appeal to those comfortable with digital banking.
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.
Top Market Contenders
See who beats both Climate First Bank and Openbank.
| Feature | Climate First Bank | Openbank |
|---|---|---|
| APY | 4.21% Verified: 12/6/2025 - | 4.20% Verified: 12/6/2025 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 | iOS3.2 Android3.1 |
| BBB Rating | A- | Not Rated |
| Next Steps |
Savings Comparison
Climate First Bank earns $6.5 more than Openbank.
Climate First Bank
Super Duper Savings Account
Savings Breakdown
- Interest Earned+$2,570.80(12.5%)
- Total Contributions$13,000
- Initial Deposit$5,000
Projected Balance
$20,570.80
Openbank
High-Yield Savings Account
Savings Breakdown
- Interest Earned+$2,564.30(12.5%)
- Total Contributions$13,000
- Initial Deposit$5,000
Projected Balance
$20,564.30
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
📈 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 | 11 | 11 |
1-Month High | 4.21% | 4.20% |
1-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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