Climate First Bank vs. TD 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 10, 2025FDIC InsuredLow MinimumsGreat iOS AppGreat Android AppIn-Person AccessShow Fine Print & Trends Hide Details
Climate First Bank
Super Duper Savings Account
TD Bank
TD Signature Savings
Up to2.75%APYDec 10, 2025FDIC InsuredHigh MinimumChecking BundleGreat iOS AppGreat Android AppIn-Person AccessRange: 0.05% – 2.75%Show Fine Print & Trends Hide Details
TD Bank
TD Signature Savings
Climate First Bank vs. TD Bank Savings Calculator
Climate First Bank earns $2,542.2 more than TD 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
TD Bank
TD Signature Savings
Higher APY requires $100,000
Savings Breakdown
- Interest Earned+$28.60(0.2%)
- Total Contributions$13,000
- Initial Deposit$5,000
Projected Balance
$18,028.60
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
Comparison Analysis
Comparing Climate First Bank vs. TD Bank
Why Climate First Bank?
- ✓Higher potential APY (4.21% vs 2.75%) on all balances
- ✓No checking account or direct deposit required
- ✓Higher rated Android app (4.4 vs 4.0)
Why TD 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 $0/yr).
Better Returns at $25,000
Climate First BankClimate First Bank's Super Duper Savings Account pulls ahead with larger amounts (approx. $1053 vs $0/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 $416 more interest on a $10,000 balance than TD Bank's TD Signature Savings.
*This calculation assumes current rates remain consistent for 1 year and does not include temporary bonuses.
Executive Summary
Climate First Bank offers a competitive Super Duper Savings Account with an APY of 4.21%, making it a strong choice for savers looking for high returns without the need for direct deposit or account bundling. In contrast, TD Bank's TD Signature Savings account provides a significantly lower APY of 2.75%, but this rate is contingent upon linking an eligible account and maintaining a minimum balance of $100,000. For those seeking simplicity and higher yields, Climate First Bank is the clear winner.
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
See who beats both Climate First Bank and TD Bank.
| Feature | Climate First Bank | TD Bank |
|---|---|---|
| APY | 4.21% Verified: 12/10/2025 - | 2.75% Range: 0.05% - 2.75% Verified: 12/10/2025 ↘︎ 0.25%90d Change |
| Product Name | Super Duper Savings Account | TD Signature Savings |
| Minimum Deposit | $50 | $0 |
| Min. Balance for APY | $0 | $100,000 |
| Monthly Fee | $0, if electronic statements selected, otherwise $5 | $10. Waived under some circumstances. |
| Branch Access | Yes | Yes |
| Account Type | Online & Branches | Online & Branches |
| Direct Deposit Req. | None | None |
| Checking Bundle | No | Yes |
| Mobile Apps | iOS4.9 Android4.4 | iOS4.8 Android4.0 |
| BBB Rating | A- | Not Rated |
| Important Notes | - | This is a tiered savings account where rates may vary on location and whether you're eligible for the Bump Rate. 2.75% is available when you link an eligible TD account and have a minimum balance of $100,000. Otherwise 0.05% is the maximum APY. |
| Next Steps |
📈 Compare Savings Rates Over Time
Historical Performance
| Metric | Climate First Bank | TD Bank |
|---|---|---|
| Super Duper Savings Account | TD Signature Savings | |
Current APY | 4.21% | 2.75% |
Trend | Stable | Stable |
Velocity (bps/mo) | 0.0 | 0.0 |
Days Since Change | 15 | 15 |
1-Month High | 4.21% | 2.75% |
1-Month Low | 4.21% | 2.75% |
Adjustments / Mo | 0.00 | 0.00 |
Volatility Score | 0.000 | 0.000 |
How to read these metrics(Click to expand)
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