High-Yield Savings Account Comparison

Climate First Bank vs. Santander Bank

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 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

Santander Bank

Santander Savings

0.01%

APY

Dec 6, 2025

FDIC InsuredLow MinimumsGreat iOS AppGreat Android AppIn-Person Access

Show Fine Print & Trends

Min. Deposit	$25
Min. Balance	$0
Maintenance Fee	$1
Compound Freq	Daily
Direct Deposit	Not required
Branch Access	Primarily in the Northeast and Miami, Florida
Deposit Insurance	FDIC Insured(Cert: 29950)
Eligibility	United States
Mobile Ratings	iOS:4.8 Android:4.0
BBB Rating	Not Rated(Not BBB Accredited)

Rate Stability

Rate Adjusted

-0.02%

Since 90 days ago

Read Bank Overview

Comparison Analysis

Comparing Climate First Bank vs. Santander Bank

Updated: Dec 6, 2025

Why Climate First Bank?

✓Higher potential APY (4.21% vs 0.01%) on all balances
✓No checking account or direct deposit required
✓Higher rated Android app (4.4 vs 4.0)

Why Santander 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 $1/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 $3/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. 4.8) and Android app rated 4.4 (vs. 4.0)

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 $420 more interest on a $10,000 balance than Santander Bank's Santander Savings.

Santander BankClimate First Bank

Automated Data Audit

Executive Summary

Climate First Bank offers a significant advantage with its Super Duper Savings Account, boasting an APY of 4.21%, which is a stark contrast to Santander Bank's Savings account, which yields only 0.01% APY. Climate First Bank's account requires a minimum deposit of $50 and has no maintenance fees if electronic statements are selected, while Santander's account has a $1 maintenance fee. Both accounts do not require direct deposit and are available online. For those seeking higher returns, Climate First Bank's offering is clearly superior.

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 ExploreSantander Bank

Top Market Contenders

See who beats both Climate First Bank and Santander 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 Santander Bank

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 Bank Neighbors Bank vs Santander 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 Santander Bank

Feature	Climate First Bank	Santander Bank
APY	4.21% Verified: 12/6/2025 -	0.01% Verified: 12/6/2025 ↘︎ 0.02%90d Change
Product Name	Super Duper Savings Account	Santander Savings
Minimum Deposit	$50	$25
Min. Balance for APY	$0	$0
Monthly Fee	$0, if electronic statements selected, otherwise $5	$1
Branch Access	Yes	Yes
Account Type	Online & Branches	Online & Branches
Direct Deposit Req.	None	None
Checking Bundle	No	No
Mobile Apps	iOS4.9 Android4.4	iOS4.8 Android4.0
BBB Rating	A-	Not Rated
Next Steps	- View Details	- View Details

Savings Comparison

Calculations based on current APY.

Initial Deposit

Recurring Deposit

Frequency

Duration

Climate First Bank earns $2,565.1 more than Santander 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

Santander Bank

Santander Savings

0.01% APY

Savings Breakdown

Interest Earned
+$5.70(0.0%)
Total Contributions
$13,000
Initial Deposit
$5,000

Projected Balance

$18,005.70

Effective APY

0.01%

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

Metric	Climate First Bank	Santander Bank
	Super Duper Savings Account	Santander Savings
Current APYMost recent advertised annual-percentage yield.	4.21%	0.01%
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.	11	11
1-Month HighHighest APY in the last 12 days.	4.21%	0.01%
1-Month LowLowest APY in the last 12 days.	4.21%	0.01%
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 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.

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More Comparisons

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

Bank Pair	Competitor APY	Min Deposit
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 BMO Alto	3.25%	$0
Climate First Bank vs BrioDirect	4.00%	$5,000
Climate First Bank vs Capital One	3.40%	$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™	3.35%	$0.01
Climate First Bank vs Discover Bank	3.40%	$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	4.50%	$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 SoFi Bank	4.30%	$0
Climate First Bank vs Synchrony Bank	3.65%	$0
Climate First Bank vs TIMBR	4.40%	$1,000
Climate First Bank vs UFB Direct	3.71%	$5000
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 Santander Bank's APY of 0.01% with other banks

Bank Pair	Competitor APY	Min Deposit
Santander Bank vs Ally Bank	3.30%	$0
Santander Bank vs American Express	3.40%	$0
Santander Bank vs Axos Bank	4.31%	$0
Santander Bank vs Bank of America	0.01%	$100
Santander Bank vs Barclays	4.00%	$0
Santander Bank vs Bask Bank	3.90%	$0
Santander Bank vs BMO Alto	3.25%	$0
Santander Bank vs BrioDirect	4.00%	$5,000
Santander Bank vs Capital One	3.40%	$0
Santander Bank vs Chase Bank	0.01%	$0
Santander Bank vs Chime	3.50%	$0
Santander Bank vs CIT Bank	3.75%	$100
Santander Bank vs Citibank	3.30%	$0
Santander Bank vs Citizens Access™	3.35%	$0.01
Santander Bank vs Discover Bank	3.40%	$0
Santander Bank vs Elevault	4.08%	$0
Santander Bank vs EverBank	4.05%	$0
Santander Bank vs Fitness Bank	4.75%	$100
Santander Bank vs FNBO Direct	3.00%	$1
Santander Bank vs Forbright Bank	4.00%	$0
Santander Bank vs FVCbank	3.85%	$500
Santander Bank vs GO2bank	4.50%	$0
Santander Bank vs Ivy Bank	4.25%	$2,500
Santander Bank vs LendingClub	4.20%	$0
Santander Bank vs Marcus by Goldman Sachs	3.65%	$0
Santander Bank vs Neighbors Bank	4.50%	$0
Santander Bank vs Newtek Bank	4.35%	$0.01
Santander Bank vs Openbank	4.20%	$500
Santander Bank vs Peak Bank	4.20%	$100
Santander Bank vs Pibank	4.60%	$0
Santander Bank vs PNC	3.53%	$0
Santander Bank vs Presidential Bank	4.00%	$5,000
Santander Bank vs Quontic Bank	3.75%	$100
Santander Bank vs Salem Five Direct	3.71%	$10
Santander Bank vs SoFi Bank	4.30%	$0
Santander Bank vs Synchrony Bank	3.65%	$0
Santander Bank vs TIMBR	4.40%	$1,000
Santander Bank vs UFB Direct	3.71%	$5000
Santander Bank vs Valley Direct	4.10%	$1,000
Santander Bank vs Varo Bank	5.00%	$0
Santander Bank vs Vio Bank	4.16%	$100
Santander Bank vs Wealthfront	4.15%	$0
Santander Bank vs Wells Fargo	0.05%	$25
Santander Bank vs Zynlo Bank	4.05%	$10