Climate First Bank vs. Synchrony Bank
Compare rates, requirements, and features side-by-side to find the best option for you.
| Metric | Climate First BankSuper Duper Savings Account Jan 21, 2026 | Synchrony BankHigh Yield Savings Jan 21, 2026 |
|---|---|---|
| APY | 4.21% | 3.65% |
Est. Earnings | $5,000+$211 $10,000+$421 $25,000+$1,053 | $5,000+$183 $10,000+$365 $25,000+$912 |
Min Deposit | $50 | $0 |
Snapshot view. Rates subject to change. | ||
| Features | FDIC InsuredLow MinimumsGreat iOS AppGreat Android AppIn-Person AccessZelle® Supported | FDIC InsuredNo MinimumsGreat iOS AppGreat Android App |
Comparison Analysis
Comparing Climate First Bank vs. Synchrony Bank
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 Synchrony Bank's 3.65% APY for its High Yield Savings account, with a minimum balance of $0.
Climate First Bank pays $56 more than Synchrony Bank on a $10,000 balance after one year. Climate First Bank pays $421, while Synchrony Bank pays $365 - an APY advantage for Climate First 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)
- ✓Fast transfers via Zelle®
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 $912/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.
*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 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 selected. It also does not require direct deposit, adding to its appeal for simplicity. In contrast, Synchrony Bank's High Yield Savings account provides a lower APY of 3.65% and is available online only, with no minimum deposit or balance requirements. Both banks offer FDIC insurance, but Climate First Bank's higher yield positions it as the more attractive option.
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
Top Market Contenders
Climate First Bank vs. Synchrony Bank Savings Calculator
You earn $56 more with Climate First Bank than Synchrony Bank 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
Synchrony Bank
High Yield Savings
Savings Breakdown
- Interest Earned+$365.00(3.5%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,365.00
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
| Feature | Climate First Bank | Synchrony Bank |
|---|---|---|
| APY | 4.21% Verified: 1/21/2026 - | 3.65% Verified: 1/21/2026 ↘︎ 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 |
| Zelle® Support | Available Verified in Climate First Bank Personal app. | Not Supported |
| BBB Rating | A- | Not Rated |
| Next Steps | Visit SiteVerify at Climate First Bank Non-sponsored link to official site | Visit SiteVerify at Synchrony Bank Non-sponsored link to official site |
📈 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 | 56 | 56 |
2-Month High | 4.21% | 3.65% |
2-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)
Compare Similar High-Yield Accounts
Compare Climate First Bank vs...
Comparing against Standard Savings
Compare Synchrony Bank vs...
Comparing against Standard Savings
High Rates (With Checking Bundle)
Looking for something different? Check out these top-rated alternatives.