High-Yield Savings Account Comparison

Climate First Bank vs. Salem Five Direct

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 FreqN/A
Direct DepositNot required
Branch Access3 locations in Florida (St. Petersburg, Mount Dora, Winter Park), and one coming soon in Orlando, FL
Deposit InsuranceFDIC Insured(Cert: 59257)
EligibilityUnited States
Mobile Ratings
iOS:4.9Android:4.4
BBB Rating
A-(Not BBB Accredited)

Rate Stability

StableNo rate changes in last 7 days
Read Bank Overview

Salem Five Direct

eOne Savings

3.71%
APY
Dec 6, 2025
FDIC InsuredLow MinimumsGreat iOS AppGreat Android App
Show Fine Print & Trends
Min. Deposit$10
Min. Balance$0.01
Maintenance Fee$0
Compound FreqMonthly
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 23296)
EligibilityUnited States
Mobile Ratings
iOS:4.7Android:4.2
BBB Rating
A-(Not BBB Accredited)

Rate Stability

Rate Adjusted
-0.30%
Since 90 days ago
Read Bank Overview

Comparison Analysis

Comparing Climate First Bank vs. Salem Five Direct

Updated: Dec 6, 2025

Why Climate First Bank?

  • ✓Higher potential APY (4.21% vs 3.71%) on all balances
  • ✓Physical branch access (3 locations in Florida (St. Petersburg, Mount Dora, Winter Park), and one coming soon in Orlando, FL)

Why Salem Five Direct?

No distinct advantages found vs Climate First Bank.

— Key Feature Differences —

Better Returns at $10,000
Climate First Bank

Climate First Bank's Super Duper Savings Account earns more on smaller deposits (approx. $421 vs $371/yr).

Better Returns at $25,000
Climate First Bank

Climate First Bank's Super Duper Savings Account pulls ahead with larger amounts (approx. $1053 vs $928/yr).

Best for Simplicity
Climate First Bank

Climate 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 Bank

Climate First Bank offers an iOS app rated 4.9 (vs. 4.7) and Android app rated 4.4 (vs. 4.2)

Shared Benefits

Available Nationwide Available to New & Existing Customers
The Bottom Line

Over a 1-year period, Climate First Bank's Super Duper Savings Account pays $50 more interest on a $10,000 balance than Salem Five Direct's eOne Savings.

Salem Five DirectClimate First Bank
Automated Data Audit

Executive Summary

Climate First Bank offers a competitive Super Duper Savings Account with an APY of 4.21%, making it a strong choice for savers looking for higher returns without any direct deposit requirements or maintenance fees, provided electronic statements are selected. In contrast, Salem Five Direct's eOne Savings account offers a lower APY of 3.71%, though it does have a minimal opening deposit of just $10 and no maintenance fees. Both accounts are FDIC insured, but Climate First Bank stands out with its higher yield, making it the preferred option for savers.

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 BankExploreSalem Five Direct

Top Market Contenders

See who beats both Climate First Bank and Salem Five Direct.

Compare All High-Yield Savings Accounts
Pibank
Pibank Savings
FDIC InsuredNo Minimums
4.60% APY
+0.39% vs Climate First Bank
Better Rate
Pibank vs Climate First BankPibank vs Salem Five Direct
Neighbors Bank
Neighbors Savings Account
FDIC InsuredNo MinimumsGreat Android App
4.50% APY
+0.29% vs Climate First Bank
Better Rate
Neighbors Bank vs Climate First BankNeighbors Bank vs Salem Five Direct
Axos Bank
Axos ONE
FDIC InsuredNo MinimumsGreat iOS AppGreat Android App
4.31% APY
+0.10% vs Climate First Bank
Better Rate
Axos Bank vs Climate First BankAxos Bank vs Salem Five Direct
FeatureClimate First BankSalem Five Direct
APY
4.21%
Verified: 12/6/2025
-
3.71%
Verified: 12/6/2025
↘︎ 0.30%90d Change
Product NameSuper Duper Savings AccounteOne Savings
Minimum Deposit$50$10
Min. Balance for APY$0$0.01
Monthly Fee$0, if electronic statements selected, otherwise $5$0
Branch AccessYesNone
Account Type
Online & Branches
Online Only
Direct Deposit Req.NoneNone
Checking BundleNoNo
Mobile Apps
iOS4.9
Android4.4
iOS4.7
Android4.2
BBB RatingA-A-
Next Steps
- View Details
- View Details

Savings Comparison

Calculations based on current APY.
$
$

Climate First Bank earns $322.7 more than Salem Five Direct.

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

Salem Five Direct

eOne Savings

3.71% APY

Savings Breakdown

  • Interest Earned
    +$2,248.10(11.1%)
  • Total Contributions
    $13,000
  • Initial Deposit
    $5,000

Projected Balance

$20,248.10

Effective APY
3.71%
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
MetricClimate First BankSalem Five Direct
Super Duper Savings AccounteOne Savings
Current APY
4.21%3.71%
Trend
 Stable Stable
Velocity (bps/mo)
0.0-0.0
Days Since Change
1111
1-Month High
4.21%3.71%
1-Month Low
4.21%3.71%
Adjustments / Mo
0.000.00
Volatility Score
0.0000.000
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.

Compare Similar High-Yield Accounts

Compare Climate First Bank vs...

Comparing against Standard Savings

vs Climate First Bank
PibankNo Bundle Req
4.60%
APY
vs Climate First Bank
Neighbors BankNo Bundle Req
4.50%
APY
vs Climate First Bank
TIMBRNo Bundle Req
4.40%
APY

Compare Salem Five Direct vs...

Comparing against Standard Savings

vs Salem Five Direct
PibankNo Bundle Req
4.60%
APY
vs Salem Five Direct
Neighbors BankNo Bundle Req
4.50%
APY
vs Salem Five Direct
TIMBRNo Bundle Req
4.40%
APY

Higher Rates (With Checking)

Looking for something different? Check out these top-rated alternatives.

Checking Bundle
Axos Bank View Details
4.31%
APY
Checking Bundle
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4.30%
APY
Checking Bundle
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4.00%
APY

More Comparisons

Compare Climate First Bank's APY of 4.21% with other banks
Bank PairCompetitor APYMin Deposit
Climate First Bank vs Ally Bank3.30%$0
Climate First Bank vs American Express3.40%$0
Climate First Bank vs Axos Bank4.31%$0
Climate First Bank vs Bank of America0.01%$100
Climate First Bank vs Barclays4.00%$0
Climate First Bank vs Bask Bank3.90%$0
Climate First Bank vs BMO Alto3.25%$0
Climate First Bank vs BrioDirect4.00%$5,000
Climate First Bank vs Capital One3.40%$0
Climate First Bank vs Chase Bank0.01%$0
Climate First Bank vs Chime3.50%$0
Climate First Bank vs CIT Bank3.75%$100
Climate First Bank vs Citibank3.30%$0
Climate First Bank vs Citizens Access™3.35%$0.01
Climate First Bank vs Discover Bank3.40%$0
Climate First Bank vs Elevault4.08%$0
Climate First Bank vs EverBank4.05%$0
Climate First Bank vs Fitness Bank4.75%$100
Climate First Bank vs FNBO Direct3.00%$1
Climate First Bank vs Forbright Bank4.00%$0
Climate First Bank vs FVCbank3.85%$500
Climate First Bank vs GO2bank4.50%$0
Climate First Bank vs Ivy Bank4.25%$2,500
Climate First Bank vs LendingClub4.20%$0
Climate First Bank vs Marcus by Goldman Sachs3.65%$0
Climate First Bank vs Neighbors Bank4.50%$0
Climate First Bank vs Newtek Bank4.35%$0.01
Climate First Bank vs Openbank4.20%$500
Climate First Bank vs Peak Bank4.20%$100
Climate First Bank vs Pibank4.60%$0
Climate First Bank vs PNC3.53%$0
Climate First Bank vs Presidential Bank4.00%$5,000
Climate First Bank vs Quontic Bank3.75%$100
Climate First Bank vs Santander Bank0.01%$25
Climate First Bank vs SoFi Bank4.30%$0
Climate First Bank vs Synchrony Bank3.65%$0
Climate First Bank vs TIMBR4.40%$1,000
Climate First Bank vs UFB Direct3.71%$5000
Climate First Bank vs Valley Direct4.10%$1,000
Climate First Bank vs Varo Bank5.00%$0
Climate First Bank vs Vio Bank4.16%$100
Climate First Bank vs Wealthfront4.15%$0
Climate First Bank vs Wells Fargo0.05%$25
Climate First Bank vs Zynlo Bank4.05%$10
Compare Salem Five Direct's APY of 3.71% with other banks
Bank PairCompetitor APYMin Deposit
Salem Five Direct vs Ally Bank3.30%$0
Salem Five Direct vs American Express3.40%$0
Salem Five Direct vs Axos Bank4.31%$0
Salem Five Direct vs Bank of America0.01%$100
Salem Five Direct vs Barclays4.00%$0
Salem Five Direct vs Bask Bank3.90%$0
Salem Five Direct vs BMO Alto3.25%$0
Salem Five Direct vs BrioDirect4.00%$5,000
Salem Five Direct vs Capital One3.40%$0
Salem Five Direct vs Chase Bank0.01%$0
Salem Five Direct vs Chime3.50%$0
Salem Five Direct vs CIT Bank3.75%$100
Salem Five Direct vs Citibank3.30%$0
Salem Five Direct vs Citizens Access™3.35%$0.01
Salem Five Direct vs Discover Bank3.40%$0
Salem Five Direct vs Elevault4.08%$0
Salem Five Direct vs EverBank4.05%$0
Salem Five Direct vs Fitness Bank4.75%$100
Salem Five Direct vs FNBO Direct3.00%$1
Salem Five Direct vs Forbright Bank4.00%$0
Salem Five Direct vs FVCbank3.85%$500
Salem Five Direct vs GO2bank4.50%$0
Salem Five Direct vs Ivy Bank4.25%$2,500
Salem Five Direct vs LendingClub4.20%$0
Salem Five Direct vs Marcus by Goldman Sachs3.65%$0
Salem Five Direct vs Neighbors Bank4.50%$0
Salem Five Direct vs Newtek Bank4.35%$0.01
Salem Five Direct vs Openbank4.20%$500
Salem Five Direct vs Peak Bank4.20%$100
Salem Five Direct vs Pibank4.60%$0
Salem Five Direct vs PNC3.53%$0
Salem Five Direct vs Presidential Bank4.00%$5,000
Salem Five Direct vs Quontic Bank3.75%$100
Salem Five Direct vs Santander Bank0.01%$25
Salem Five Direct vs SoFi Bank4.30%$0
Salem Five Direct vs Synchrony Bank3.65%$0
Salem Five Direct vs TIMBR4.40%$1,000
Salem Five Direct vs UFB Direct3.71%$5000
Salem Five Direct vs Valley Direct4.10%$1,000
Salem Five Direct vs Varo Bank5.00%$0
Salem Five Direct vs Vio Bank4.16%$100
Salem Five Direct vs Wealthfront4.15%$0
Salem Five Direct vs Wells Fargo0.05%$25
Salem Five Direct vs Zynlo Bank4.05%$10