Climate First Bank vs. Synchrony Bank
Compare rates, requirements, and features side-by-side to find the best option for you.
Climate First Bank
Super Duper Savings Account
4.21%APYDec 6, 2025FDIC InsuredLow MinimumsGreat iOS AppGreat Android AppIn-Person AccessShow Fine Print & Trends Hide Details
Climate First Bank
Super Duper Savings Account
Synchrony Bank
High Yield Savings
3.65%APYDec 6, 2025FDIC InsuredNo MinimumsGreat iOS AppGreat Android AppShow Fine Print & Trends Hide Details
Synchrony Bank
High Yield Savings
Comparison Analysis
Comparing Climate First Bank vs. Synchrony Bank
Why Climate First Bank?
- ✓Higher potential APY (4.21% vs 3.65%) on all balances
- ✓Physical branch access (3 locations in Florida (St. Petersburg, Mount Dora, Winter Park), and one coming soon in Orlando, FL)
Why Synchrony Bank?
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 $365/yr).
Better Returns at $25,000
Climate First BankClimate First Bank's Super Duper Savings Account pulls ahead with larger amounts (approx. $1053 vs $913/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.
Shared Benefits
Over a 1-year period, Climate First Bank's Super Duper Savings Account pays $56 more interest on a $10,000 balance than Synchrony Bank's High Yield Savings.
Executive Summary
Climate First Bank offers a competitive Super Duper Savings Account with a notable APY of 4.21%, making it the superior choice compared to Synchrony Bank's High Yield Savings account, which has an APY of 3.65%. Climate First Bank's account has no direct deposit requirement and allows for a minimum deposit of $50, with no maintenance fees if electronic statements are selected. In contrast, Synchrony Bank's account is online-only and has no minimum deposit or balance requirements, but it yields a lower rate. Overall, Climate First Bank stands out for its higher returns and simplicity.
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.
Top Market Contenders
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| Feature | Climate First Bank | Synchrony Bank |
|---|---|---|
| APY | 4.21% Verified: 12/6/2025 - | 3.65% Verified: 12/6/2025 ↘︎ 0.15%90d Change |
| Product Name | Super Duper Savings Account | High Yield Savings |
| 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 | iOS4.8 Android4.5 |
| BBB Rating | A- | Not Rated |
| Next Steps |
Savings Comparison
Climate First Bank earns $361.1 more than Synchrony Bank.
Climate First Bank
Super Duper Savings Account
Savings Breakdown
- Interest Earned+$2,570.80(12.5%)
- Total Contributions$13,000
- Initial Deposit$5,000
Projected Balance
$20,570.80
Synchrony Bank
High Yield Savings
Savings Breakdown
- Interest Earned+$2,209.70(10.9%)
- Total Contributions$13,000
- Initial Deposit$5,000
Projected Balance
$20,209.70
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
📈 Compare Savings Rates Over Time
Historical Performance
| Metric | Climate First Bank | Synchrony Bank |
|---|---|---|
| Super Duper Savings Account | High Yield Savings | |
Current APY | 4.21% | 3.65% |
Trend | Stable | Stable |
Velocity (bps/mo) | 0.0 | -0.0 |
Days Since Change | 11 | 11 |
1-Month High | 4.21% | 3.65% |
1-Month Low | 4.21% | 3.65% |
Adjustments / Mo | 0.00 | 0.00 |
Volatility Score | 0.000 | 0.000 |
How to read these metrics(Click to expand)
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