Climate First Bank vs. Synchrony Bank
Comparing Climate First Bank and Synchrony Bank for high-yield savings: Climate First Bank's Super Duper Savings Account pays 4.01% APY while Synchrony Bank's High Yield Savings pays 3.50% APY.
See how they compare on rate stability, mobile app ratings, and more below.
The Bottom Line
Who pays more interest on $10,000? Climate First Bank pays $51 more than Synchrony Bank annually ($401 vs $350).
Choose Climate First Bank if getting the best rate matters most, you value in-person banking, or you want Zelle for quick transfers.
| Metric | Climate First BankSuper Duper Savings Account Mar 7, 2026 | Synchrony BankHigh Yield Savings Mar 7, 2026 |
|---|---|---|
| APY | 4.01% | 3.50% |
Est. Earnings | $5,000+$200 $10,000+$401 $25,000+$1,002 | $5,000+$175 $10,000+$350 $25,000+$875 |
Min Deposit | $50 | $0 |
Snapshot view. Rates subject to change. | ||
| Features | FDIC InsuredLow MinimumsGreat iOS AppGreat Android AppIn-Person AccessZelle® SupportedStable Rate | FDIC InsuredNo MinimumsGreat iOS AppGreat Android AppDaily CompoundingRate Changes Often |
Market Reality Check
Both of these banks offer rates below the current top tier. The best rates we track are currently above 4.15% APY.
Comparison Analysis
Comparing Climate First Bank vs. Synchrony Bank
Executive Summary
Climate First Bank offers a competitive Super Duper Savings Account with an APY of 4.01%, making it the superior choice compared to Synchrony Bank's High Yield Savings account, which yields 3.50%. Climate First's account stands out for its simplicity, requiring no direct deposit, and has no maintenance fees if electronic statements are selected. Additionally, it allows for a minimum deposit of $50 and does not require a minimum balance. In contrast, Synchrony Bank's account is online-only and has a $0 minimum deposit and balance requirement, but it offers a lower APY.
The analysis is based on current Banksparency database records
* This content is provided for informational purposes only; always verify details with the provider.
Why Climate First Bank?
- ✓Higher potential APY (4.01% vs 3.50%) 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. $401 vs $350/yr).
Better Returns at $25,000
Climate First BankClimate First Bank's Super Duper Savings Account pulls ahead with larger amounts (approx. $1002 vs $875/yr).
Best for Simplicity
Climate First BankClimate First Bank's Super Duper Savings Account offers 4.01% 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 $51 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.
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 $51 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+$401.00(3.9%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,401.00
Synchrony Bank
High Yield Savings
Savings Breakdown
- Interest Earned+$350.00(3.4%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,350.00
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
Still banking with Chase, Bank of America, or Wells Fargo?
On a $10,000 balance, you're missing out on at least $349 per year in interest.
Both Climate First Bank and Synchrony Bank dramatically outperform the typical 0.01% APY at traditional big banks.
| Feature | Climate First Bank | Synchrony Bank |
|---|---|---|
| APY | 4.01% Verified: 3/7/2026 ↘︎ 0.20%90d Change | 3.50% Verified: 3/7/2026 ↘︎ 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 |
| Compound Frequency | N/A | Daily |
| Branch Access | Yes | None |
| Account Type | Online & Branches | Online Only |
| Physical Branches | 3 locations in Florida (St. Petersburg, Mount Dora, Winter Park), and one coming soon in Orlando, FL | N/A |
| Direct Deposit Req. | None | None |
| Checking Bundle | No | No |
| Mobile Apps | ||
| FDIC Insured | YesVerify FDIC | YesVerify FDIC |
| 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 | 4.01% | 3.50% |
Trend | Stable | Stable |
Velocity (bps/mo) | -2.8 | -6.2 |
Days Since Change | 8 | 39 |
3-Month High | 4.21% | 3.65% |
3-Month Low | 4.01% | 3.50% |
Adjustments / Mo | 0.29 | 0.29 |
Volatility Score | 0.013 | 0.020 |
How to read these metrics(Click to expand)
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High Rates (With Checking Bundle)
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More Comparisons
Compare Climate First Bank's APY of 4.01% with other banks
| Bank Pair | Competitor APY | Min Deposit |
|---|---|---|
| Climate First Bank vs Ally Bank | 3.20% | $0 |
| Climate First Bank vs American Express | 3.30% | $0 |
| Climate First Bank vs Axos Bank | 4.21% | $0 |
| Climate First Bank vs Bank of America | 0.01% | $100 |
| Climate First Bank vs Barclays | 3.85% | $0 |
| Climate First Bank vs Capital One | 3.30% | $0 |
| Climate First Bank vs Chase Bank | 0.01% | $0 |
| Climate First Bank vs Chime | 3.00% | $0 |
| Climate First Bank vs CIT Bank | 3.75% | $100 |
| Climate First Bank vs Citibank | 3.20% | $0 |
| Climate First Bank vs Discover Bank | 3.30% | $0 |
| Climate First Bank vs EverBank | 3.90% | $0 |
| Climate First Bank vs Marcus by Goldman Sachs | 3.65% | $0 |
| Climate First Bank vs Newtek Bank | 4.20% | $0.01 |
| Climate First Bank vs Openbank | 4.09% | $500 |
| Climate First Bank vs Pibank | 4.60% | $0 |
| Climate First Bank vs SoFi Bank | 4.00% | $0 |
| Climate First Bank vs Varo Bank | 5.00% | $0 |
| Climate First Bank vs Wealthfront | 4.20% | $0 |
| Climate First Bank vs Wells Fargo | 0.05% | $25 |