High-Yield Savings Account Comparison

Climate First Bank vs. Sallie Mae Bank

Compare rates, requirements, and features side-by-side to find the best option for you.

Analysis by Aviel Fahl

Updated December 10, 2025

Climate First Bank

Super Duper Savings Account

4.21%

APY

Dec 10, 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 Freq	N/A
Direct Deposit	Not required
Branch Access	3 locations in Florida (St. Petersburg, Mount Dora, Winter Park), and one coming soon in Orlando, FL
Deposit Insurance	FDIC Insured(Cert: 59257)
Eligibility	United States
Mobile Ratings	iOS:4.9 Android:4.4
BBB Rating	A-(Not BBB Accredited)

Rate Stability

StableNo rate changes in last 7 days

Read Bank Overview

Sallie Mae Bank

High-Yield Savings Account

3.90%

APY

Dec 10, 2025

FDIC InsuredNo Minimums

Show Fine Print & Trends

Min. Deposit	$0
Min. Balance	$0
Maintenance Fee	$0
Compound Freq	Daily
Direct Deposit	Not required
Deposit Insurance	FDIC Insured(Cert: 58177)
Eligibility	United States
Mobile Ratings	iOS:1.5 Android:1.6
BBB Rating	A+(BBB Accredited)

Rate Stability

Very StableNo rate changes in last 90 days

Read Bank Overview

Climate First Bank vs. Sallie Mae Bank Savings Calculator

Calculations based on current APY for Super Duper Savings Account and High-Yield Savings Account

Initial Deposit

Recurring Deposit

Frequency

Duration

Climate First Bank earns $200.6 more than Sallie Mae Bank.

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

Sallie Mae Bank

High-Yield Savings Account

3.90% APY

Savings Breakdown

Interest Earned
+$2,370.20(11.6%)
Total Contributions
$13,000
Initial Deposit
$5,000

Projected Balance

$20,370.20

Effective APY

3.90%

View Details

The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.

Comparison Analysis

Comparing Climate First Bank vs. Sallie Mae Bank

Updated: Dec 10, 2025

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 1.5)
✓Higher rated Android app (4.4 vs 1.6)

Why Sallie Mae Bank?

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 $390/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 $975/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. 1.5) and Android app rated 4.4 (vs. 1.6)

Shared Benefits

Available Nationwide Available to New & Existing Customers

The Bottom Line on APY (Interest Only)

Over a 1-year period, Climate First Bank's Super Duper Savings Account pays $31 more interest on a $10,000 balance than Sallie Mae Bank's High-Yield Savings Account.

*This calculation assumes current rates remain consistent for 1 year and does not include temporary bonuses.

Sallie Mae BankClimate 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 the winner in this comparison. This account requires a minimum deposit of $50 and has no maintenance fees if electronic statements are chosen. It stands out for its simplicity, as it does not require direct deposit or bundling. In contrast, Sallie Mae Bank's High-Yield Savings Account offers a lower APY of 3.90% and is online-only, with no minimum deposit or balance requirements. Both accounts are FDIC insured, but Climate First Bank's higher yield makes it the more attractive option.

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 Bank ExploreSallie Mae Bank

Top Market Contenders

See who beats both Climate First Bank and Sallie Mae Bank.

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 Bank Pibank vs Sallie Mae Bank

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 Bank Axos Bank vs Sallie Mae Bank

TIMBR

Premium Savings Account

FDIC InsuredLow Minimums

4.40% APY

+0.19% vs Climate First Bank

Better Rate

TIMBR vs Climate First Bank TIMBR vs Sallie Mae Bank

Feature	Climate First Bank	Sallie Mae Bank
APY	4.21% Verified: 12/10/2025 -	3.90% Verified: 12/10/2025 Stable (90d)
Product Name	Super Duper Savings Account	High-Yield Savings Account
Minimum Deposit	$50	$0
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	iOS1.5 Android1.6
BBB Rating	A-	A+
Next Steps	- View Details	- View Details

📈 Compare Savings Rates Over Time

Historical Performance

Last 1 Month Analysis

Metric	Climate First Bank	Sallie Mae Bank
	Super Duper Savings Account	High-Yield Savings Account
Current APYMost recent advertised annual-percentage yield.	4.21%	3.90%
TrendDirection over the last 1 months (regression slope).	Stable	Stable
Velocity (bps/mo)Average monthly change; 10 bps = 0.10 pp.	0.0	0.0
Days Since ChangeRecency of the latest APY adjustment.	15	15
1-Month HighHighest APY in the last 16 days.	4.21%	3.90%
1-Month LowLowest APY in the last 16 days.	4.21%	3.90%
Adjustments / MoTypical number of APY moves per month.	0.00	0.00
Volatility ScoreCoefficient of variation (stdev ÷ mean). Lower is more stable.	0.000	0.000

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 16-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.

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PibankNo Bundle Req

4.60%

APY

vs Climate First Bank

TIMBRNo Bundle Req

4.40%

APY

vs Climate First Bank

Newtek BankNo Bundle Req

4.35%

APY

Compare Sallie Mae Bank vs...

Comparing against Standard Savings

Newtek BankNo Bundle Req

4.35%

APY

Higher Rates (With Checking)

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

Checking Bundle

Axos Bank View Details

4.31%

APY

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4.30%

APY

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4.00%

APY

More Comparisons

Compare Climate First Bank's APY of 4.21% with other banks

Bank Pair	Competitor APY	Min Deposit
Climate First Bank vs Affirm	3.60%	$0
Climate First Bank vs Ally Bank	3.30%	$0
Climate First Bank vs American Express	3.40%	$0
Climate First Bank vs Axos Bank	4.31%	$0
Climate First Bank vs Bank of America	0.01%	$100
Climate First Bank vs Barclays	4.00%	$0
Climate First Bank vs Bask Bank	3.90%	$0
Climate First Bank vs Betterment	3.50%	$10
Climate First Bank vs BMO Alto	3.25%	$0
Climate First Bank vs Bread Savings	4.10%	$100
Climate First Bank vs BrioDirect	4.00%	$5,000
Climate First Bank vs Capital One	3.40%	$0
Climate First Bank vs Charles Schwab Bank	0.15%	$0
Climate First Bank vs Chase Bank	0.01%	$0
Climate First Bank vs Chime	3.50%	$0
Climate First Bank vs CIT Bank	3.75%	$100
Climate First Bank vs Citibank	3.30%	$0
Climate First Bank vs Citizens Access™	3.15%	$0.01
Climate First Bank vs Discover Bank	3.40%	$0
Climate First Bank vs E*TRADE from Morgan Stanley	3.75%	$0
Climate First Bank vs Elevault	4.08%	$0
Climate First Bank vs EverBank	4.05%	$0
Climate First Bank vs Fitness Bank	4.75%	$100
Climate First Bank vs FNBO Direct	3.00%	$1
Climate First Bank vs Forbright Bank	4.00%	$0
Climate First Bank vs FVCbank	3.85%	$500
Climate First Bank vs GO2bank	4.50%	$0
Climate First Bank vs Ivy Bank	4.25%	$2,500
Climate First Bank vs LendingClub	4.20%	$0
Climate First Bank vs Marcus by Goldman Sachs	3.65%	$0
Climate First Bank vs Neighbors Bank	4.30%	$0
Climate First Bank vs Newtek Bank	4.35%	$0.01
Climate First Bank vs Openbank	4.20%	$500
Climate First Bank vs Peak Bank	4.20%	$100
Climate First Bank vs Pibank	4.60%	$0
Climate First Bank vs PNC	3.53%	$0
Climate First Bank vs Presidential Bank	4.00%	$5,000
Climate First Bank vs Quontic Bank	3.75%	$100
Climate First Bank vs Salem Five Direct	3.71%	$10
Climate First Bank vs Santander Bank	0.01%	$25
Climate First Bank vs SoFi Bank	4.30%	$0
Climate First Bank vs Synchrony Bank	3.65%	$0
Climate First Bank vs TD Bank	2.75%	$0
Climate First Bank vs TIMBR	4.40%	$1,000
Climate First Bank vs UFB Direct	3.71%	$5000
Climate First Bank vs Upgrade	3.05%	$0
Climate First Bank vs Valley Direct	4.10%	$1,000
Climate First Bank vs Varo Bank	5.00%	$0
Climate First Bank vs Vio Bank	4.16%	$100
Climate First Bank vs Wealthfront	4.15%	$0
Climate First Bank vs Wells Fargo	0.05%	$25
Climate First Bank vs Zynlo Bank	4.05%	$10

Compare Sallie Mae Bank's APY of 3.90% with other banks

Bank Pair	Competitor APY	Min Deposit
Sallie Mae Bank vs Affirm	3.60%	$0
Sallie Mae Bank vs Ally Bank	3.30%	$0
Sallie Mae Bank vs American Express	3.40%	$0
Sallie Mae Bank vs Axos Bank	4.31%	$0
Sallie Mae Bank vs Bank of America	0.01%	$100
Sallie Mae Bank vs Barclays	4.00%	$0
Sallie Mae Bank vs Bask Bank	3.90%	$0
Sallie Mae Bank vs Betterment	3.50%	$10
Sallie Mae Bank vs BMO Alto	3.25%	$0
Sallie Mae Bank vs Bread Savings	4.10%	$100
Sallie Mae Bank vs BrioDirect	4.00%	$5,000
Sallie Mae Bank vs Capital One	3.40%	$0
Sallie Mae Bank vs Charles Schwab Bank	0.15%	$0
Sallie Mae Bank vs Chase Bank	0.01%	$0
Sallie Mae Bank vs Chime	3.50%	$0
Sallie Mae Bank vs CIT Bank	3.75%	$100
Sallie Mae Bank vs Citibank	3.30%	$0
Sallie Mae Bank vs Citizens Access™	3.15%	$0.01
Sallie Mae Bank vs Discover Bank	3.40%	$0
Sallie Mae Bank vs E*TRADE from Morgan Stanley	3.75%	$0
Sallie Mae Bank vs Elevault	4.08%	$0
Sallie Mae Bank vs EverBank	4.05%	$0
Sallie Mae Bank vs Fitness Bank	4.75%	$100
Sallie Mae Bank vs FNBO Direct	3.00%	$1
Sallie Mae Bank vs Forbright Bank	4.00%	$0
Sallie Mae Bank vs FVCbank	3.85%	$500
Sallie Mae Bank vs GO2bank	4.50%	$0
Sallie Mae Bank vs Ivy Bank	4.25%	$2,500
Sallie Mae Bank vs LendingClub	4.20%	$0
Sallie Mae Bank vs Marcus by Goldman Sachs	3.65%	$0
Sallie Mae Bank vs Neighbors Bank	4.30%	$0
Sallie Mae Bank vs Newtek Bank	4.35%	$0.01
Sallie Mae Bank vs Openbank	4.20%	$500
Sallie Mae Bank vs Peak Bank	4.20%	$100
Sallie Mae Bank vs Pibank	4.60%	$0
Sallie Mae Bank vs PNC	3.53%	$0
Sallie Mae Bank vs Presidential Bank	4.00%	$5,000
Sallie Mae Bank vs Quontic Bank	3.75%	$100
Sallie Mae Bank vs Salem Five Direct	3.71%	$10
Sallie Mae Bank vs Santander Bank	0.01%	$25
Sallie Mae Bank vs SoFi Bank	4.30%	$0
Sallie Mae Bank vs Synchrony Bank	3.65%	$0
Sallie Mae Bank vs TD Bank	2.75%	$0
Sallie Mae Bank vs TIMBR	4.40%	$1,000
Sallie Mae Bank vs UFB Direct	3.71%	$5000
Sallie Mae Bank vs Upgrade	3.05%	$0
Sallie Mae Bank vs Valley Direct	4.10%	$1,000
Sallie Mae Bank vs Varo Bank	5.00%	$0
Sallie Mae Bank vs Vio Bank	4.16%	$100
Sallie Mae Bank vs Wealthfront	4.15%	$0
Sallie Mae Bank vs Wells Fargo	0.05%	$25
Sallie Mae Bank vs Zynlo Bank	4.05%	$10