Climate First Bank vs. Pibank
Comparing Climate First Bank and Pibank for high-yield savings: Climate First Bank's Super Duper Savings Account pays 4.01% APY while Pibank's Pibank Savings pays 4.40% APY.
See how they compare on rate stability, mobile app ratings, and more below.
The Bottom Line
Who pays more interest on $10,000? Pibank pays $39 more than Climate First Bank annually ($440 vs $401).
Choose Climate First Bank if you value in-person banking, mobile app quality matters, or you want Zelle for quick transfers. Choose Pibank if getting the best rate matters most.
| Metric | Climate First BankSuper Duper Savings Account Apr 21, 2026 | PibankPibank Savings Apr 21, 2026 |
|---|---|---|
| APY | 4.01% | 4.40% |
Est. Earnings | $5,000+$200 $10,000+$401 $25,000+$1,002 | $5,000+$220 $10,000+$440 $25,000+$1,100 |
Min Deposit | $50 | $0 |
Snapshot view. Rates subject to change. | ||
| Features | FDIC InsuredLow MinimumsGreat iOS AppGreat Android AppIn-Person AccessZelle® SupportedStable Rate | FDIC InsuredNo MinimumsDaily CompoundingStable Rate |
Comparison Analysis
Comparing Climate First Bank vs. Pibank
Executive Summary
Pibank offers a higher APY of 4.40% on its Pibank Savings account, making it the more attractive option compared to Climate First Bank's Super Duper Savings Account, which has an APY of 4.01%. Pibank's account is online-only, requires a minimum balance of just $0.01, and has no maintenance fees, while Climate First Bank's account requires a minimum deposit of $50 and has a potential maintenance fee of $5 if electronic statements are not selected. Both banks do not require direct deposit, but Pibank is noted for better returns at various deposit levels, making it a simpler choice for savers.
The analysis is based on current Banksparency database records
* This content is provided for informational purposes only; always verify details with the provider.
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 2.1)
- ✓Higher rated Android app (4.6 vs 1.8)
- ✓Fast transfers via Zelle®
Why Pibank?
- ✓Higher potential APY (4.40% vs 4.01%) on all balances
— Key Feature Differences —
Better Returns at $10,000
PibankPibank's Pibank Savings earns more on smaller deposits (approx. $440 vs $401/yr).
Better Returns at $25,000
PibankPibank's Pibank Savings pulls ahead with larger amounts (approx. $1100 vs $1002/yr).
Best for Simplicity
PibankPibank's Pibank Savings offers 4.40% APY with no bundling, direct deposit requirement or caps.
Best Mobile App Experience
Climate First BankClimate First Bank offers an iOS app rated 4.9 (vs. 2.1) and Android app rated 4.6 (vs. 1.8)
Shared Benefits
Over a 1-year period, Pibank's Pibank Savings pays $39 more interest on a $10,000 balance than Climate First Bank's Super Duper Savings Account.
*This calculation assumes current rates remain consistent for 1 year and does not include temporary bonuses.
Non-sponsored link to official site
Non-sponsored link to official site
Top Market Contenders
Climate First Bank vs. Pibank Savings Calculator
You earn $39 more with Pibank than Climate First Bank 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+$401.00(3.9%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,401.00
Pibank
Pibank Savings
Savings Breakdown
- Interest Earned+$440.00(4.2%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,440.00
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
Still banking with Chase, Bank of America, or Wells Fargo?
On a $10,000 balance, you're missing out on at least $400 per year in interest.
Both Climate First Bank and Pibank dramatically outperform the typical 0.01% APY at traditional big banks.
| Feature | Climate First Bank | Pibank |
|---|---|---|
| APY | 4.01% Verified: 4/21/2026 ↘︎ 0.20%90d Change | 4.40% Verified: 4/21/2026 ↘︎ 0.20%90d Change |
| Product Name | Super Duper Savings Account | Pibank Savings |
| Minimum Deposit | $50 | $0 |
| Min. Balance for APY | $0 | $0.01 |
| Monthly Fee | $0, if electronic statements selected, otherwise $5 | $0 |
| Compound Frequency | N/A | Daily |
| Branch Access | Yes | None |
| Account Type | Online & Branches | Online Only |
| Physical Branches | 3 locations in Florida (St. Petersburg, Mount Dora, Winter Park), and one coming soon in Orlando, FL | None |
| Direct Deposit Req. | None | None |
| Checking Bundle | No | No |
| Mobile Apps | ||
| FDIC Insured | YesVerify FDIC | YesVerify FDIC |
| Zelle® Support | Available Verified in Climate First Bank Personal app. | Not Supported |
| BBB Rating | A+ | A+ |
| Next Steps | Visit SiteVerify at Climate First Bank Non-sponsored link to official site | Visit SiteVerify at Pibank Non-sponsored link to official site |
📈 Compare Savings Rates Over Time
Historical Performance
| Metric | Climate First Bank | Pibank |
|---|---|---|
| Super Duper Savings Account | Pibank Savings | |
Current APY | 4.01% | 4.40% |
Trend | Stable | Stable |
Velocity (bps/mo) | -5.6 | -0.9 |
Days Since Change | 53 | 5 |
5-Month High | 4.21% | 4.60% |
5-Month Low | 4.01% | 4.40% |
Adjustments / Mo | 0.20 | 0.20 |
Volatility Score | 0.023 | 0.009 |
How to read these metrics(Click to expand)
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More Comparisons
Compare Climate First Bank's APY of 4.01% with other banks
| Bank Pair | Competitor APY | Min Deposit |
|---|---|---|
| Climate First Bank vs Ally Bank | 3.10% | $0 |
| Climate First Bank vs American Express | 3.20% | $0 |
| Climate First Bank vs Axos Bank | 4.21% | $0 |
| Climate First Bank vs Barclays | 3.75% | $0 |
| Climate First Bank vs Capital One | 3.20% | $0 |
| Climate First Bank vs Chime | 3.00% | $0 |
| Climate First Bank vs CIT Bank | 3.75% | $100 |
| Climate First Bank vs Discover Bank | 3.30% | $0 |
| Climate First Bank vs EverBank | 3.90% | $0 |
| Climate First Bank vs Marcus by Goldman Sachs | 3.50% | $0 |
| Climate First Bank vs Newtek Bank | 4.20% | $0.01 |
| Climate First Bank vs Openbank | 4.00% | $500 |
| Climate First Bank vs SoFi Bank | 4.00% | $0 |
| Climate First Bank vs Synchrony Bank | 3.40% | $0 |
| Climate First Bank vs Varo Bank | 5.00% | $0 |
| Climate First Bank vs Wealthfront | 4.20% | $0 |