Climate First Bank vs. Popular 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 | Popular DirectPopular Direct Select Savings Jan 7, 2026 |
|---|---|---|
| APY | 4.21% | 3.90% |
Est. Earnings | $5,000+$211 $10,000+$421 $25,000+$1,053 | $5,000+$195 $10,000+$390 $25,000+$975 |
Min Deposit | $50 | $100 |
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. Popular 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 Popular Direct's 3.90% APY for its Popular Direct Select Savings account, with a minimum balance of $0.01.
Climate First Bank pays $31 more than Popular Direct on a $10,000 balance after one year. Climate First Bank pays $421, while Popular Direct pays $390 - an APY advantage for Climate First Bank.
Why Climate First Bank?
- ✓Higher potential APY (4.21% vs 3.90%) on all balances
- ✓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 1.3)
- ✓Higher rated Android app (4.4 vs 1.3)
- ✓Fast transfers via Zelle®
Why Popular 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 $390/yr).
Better Returns at $25,000
Climate First BankClimate First Bank's Super Duper Savings Account pulls ahead with larger amounts (approx. $1053 vs $975/yr).
Best for Simplicity
Climate First BankClimate First Bank's Super Duper Savings Account offers 4.21% 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. 1.3) and Android app rated 4.4 (vs. 1.3)
Shared Benefits
Over a 1-year period, Climate First Bank's Super Duper Savings Account pays $31 more interest on a $10,000 balance than Popular Direct's Popular Direct Select Savings.
*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 competitive Super Duper Savings Account with a high APY of 4.21%, making it the standout choice compared to Popular Direct's Select Savings, which has an APY of 3.90%. Climate First Bank's account requires a minimum deposit of $50 and has no maintenance fees if electronic statements are selected, while Popular Direct's account requires a minimum deposit of $100. Both accounts do not require direct deposit and are FDIC insured. For those seeking higher returns on savings, Climate First Bank is the clear winner.
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. Popular Direct Savings Calculator
You earn $31 more with Climate First Bank than Popular 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
Popular Direct
Popular Direct Select Savings
Savings Breakdown
- Interest Earned+$390.00(3.8%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,390.00
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
| Feature | Climate First Bank | Popular Direct |
|---|---|---|
| APY | 4.21% Verified: 1/7/2026 - | 3.90% Verified: 1/7/2026 ↘︎ 0.15%90d Change |
| Product Name | Super Duper Savings Account | Popular Direct Select Savings |
| Minimum Deposit | $50 | $100 |
| Min. Balance for APY | $0 | $0.01 |
| 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 | iOS1.3 Android1.3 |
| Zelle® Support | Available Verified in Climate First Bank Personal app. | Not Supported |
| BBB Rating | B+ | A+ |
| Next Steps | Visit SiteVerify at Climate First Bank Non-sponsored link to official site | Visit SiteVerify at Popular Direct Non-sponsored link to official site |
📈 Compare Savings Rates Over Time
Historical Performance
| Metric | Climate First Bank | Popular Direct |
|---|---|---|
| Super Duper Savings Account | Popular Direct Select Savings | |
Current APY | 4.21% | 3.90% |
Trend | Stable | Stable |
Velocity (bps/mo) | 0.0 | -10.3 |
Days Since Change | 42 | 23 |
1-Month High | 4.21% | 4.00% |
1-Month Low | 4.21% | 3.90% |
Adjustments / Mo | 0.00 | 0.70 |
Volatility Score | 0.000 | 0.013 |
How to read these metrics(Click to expand)
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High Rates (With Checking Bundle)
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