Climate First Bank vs. UFB Direct
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
UFB Direct
UFB Checking and Savings Bundle
Up to3.71%APYDec 6, 2025FDIC InsuredHigh MinimumDirect Deposit ReqChecking BundleGreat iOS AppGreat Android AppRange: 3.51% – 3.71%Show Fine Print & Trends Hide Details
UFB Direct
UFB Checking and Savings Bundle
Comparison Analysis
Comparing Climate First Bank vs. UFB Direct
Why Climate First Bank?
- ✓Higher potential APY (4.21% vs 3.51%-3.71%) on all balances
- ✓Physical branch access (3 locations in Florida (St. Petersburg, Mount Dora, Winter Park), and one coming soon in Orlando, FL)
Why UFB Direct?
- ✓Offers 2.00% APY on Checking Account in addition to the savings APY
- ✓Access to over 90,000 fee-free ATMs
- ✓Offers 2 different high-yield savings options
— 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 $371/yr).
Better Returns at $25,000
Climate First BankClimate First Bank's Super Duper Savings Account pulls ahead with larger amounts (approx. $1053 vs $928/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 $50 more interest on a $10,000 balance than UFB Direct's UFB Checking and Savings Bundle.
Executive Summary
Climate First Bank offers a Super Duper Savings Account with a competitive APY of 4.21%, providing better returns on both smaller and larger deposits without any direct deposit requirement or maintenance fees, making it a straightforward option for savers. In contrast, UFB Direct's UFB Portfolio Savings account yields an APY of 3.51%, which is significantly lower. Although UFB offers a checking and savings bundle with a higher APY of 3.71% under certain conditions, it requires a checking account and direct deposits, which may complicate access for some customers. Therefore, Climate First Bank stands out as the more favorable choice.
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.
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See who beats both Climate First Bank and UFB Direct.
| Feature | Climate First Bank | UFB Direct |
|---|---|---|
| APY | 4.21% Verified: 12/6/2025 - | 3.71% Range: 3.51% - 3.71% Verified: 12/6/2025 ↘︎ 0.50%90d Change |
| Product Name | Super Duper Savings Account | UFB Checking and Savings Bundle |
| Minimum Deposit | $50 | $5000 |
| Min. Balance for APY | $0 | $10,000 |
| Monthly Fee | $0, if electronic statements selected, otherwise $5 | $0 |
| Branch Access | Yes | None |
| Account Type | Online & Branches | Online Only |
| Direct Deposit Req. | None | Required |
| Checking Bundle | No | Yes |
| Mobile Apps | iOS4.9 Android4.4 | iOS4.8 Android4.3 |
| BBB Rating | A- | A+ |
| Important Notes | - | The regular savings or money market APY may be boosted up to 3.71% by direct deposits, minimum balance of $10,000 and making 10 approved debit card transactions per statement cycle. The checking account earns 2% APY. See bank for full details. |
| Next Steps | SponsoredOpen Account |
Savings Comparison
Climate First Bank earns $352.1 more than UFB Direct.
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
UFB Direct
UFB Checking and Savings Bundle
Higher APY requires $10,000
Savings Breakdown
- Interest Earned+$2,218.70(11.0%)
- Total Contributions$13,000
- Initial Deposit$5,000
Projected Balance
$20,218.70
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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 | UFB Direct | |
|---|---|---|---|
| Super Duper Savings Account | UFB Checking and Savings Bundle | UFB Portfolio Savings | |
Current APY | 4.21% | 3.71% | 3.51% |
Trend | Stable | Stable | Stable |
Velocity (bps/mo) | 0.0 | 0.0 | -0.0 |
Days Since Change | 10 | 10 | 10 |
1-Month High | 4.21% | 3.71% | 3.51% |
1-Month Low | 4.21% | 3.71% | 3.51% |
Adjustments / Mo | 0.00 | 0.00 | 0.00 |
Volatility Score | 0.000 | 0.000 | 0.000 |
How to read these metrics(Click to expand)
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