Climate First Bank vs. Upgrade
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
Upgrade
Premier Savings
3.05%APYDec 10, 2025FDIC InsuredLow MinimumsGreat iOS AppGreat Android AppShow Fine Print & Trends Hide Details
Upgrade
Premier Savings
Climate First Bank vs. Upgrade Savings Calculator
Climate First Bank earns $741.2 more than Upgrade.
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
Upgrade
Premier Savings
Savings Breakdown
- Interest Earned+$1,829.60(9.2%)
- Total Contributions$13,000
- Initial Deposit$5,000
Projected Balance
$19,829.60
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
Comparison Analysis
Comparing Climate First Bank vs. Upgrade
Why Climate First Bank?
- ✓Higher potential APY (4.21% vs 3.05%) on all balances
- ✓Physical branch access (3 locations in Florida (St. Petersburg, Mount Dora, Winter Park), and one coming soon in Orlando, FL)
Why Upgrade?
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 $305/yr).
Better Returns at $25,000
Climate First BankClimate First Bank's Super Duper Savings Account pulls ahead with larger amounts (approx. $1053 vs $763/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 $116 more interest on a $10,000 balance than Upgrade's Premier 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 impressive APY of 4.21%, making it the clear winner compared to Upgrade's Premier Savings account, which yields 3.05%. Climate First Bank's account stands out for its simplicity, requiring no direct deposit and having no maintenance fees if electronic statements are chosen. In contrast, Upgrade's account has a minimum balance requirement of $1,000 and is online-only. Overall, Climate First Bank provides better returns and fewer restrictions, making it a more attractive option for savers.
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 Upgrade.
| Feature | Climate First Bank | Upgrade |
|---|---|---|
| APY | 4.21% Verified: 12/10/2025 - | 3.05% Verified: 12/10/2025 ↘︎ 0.97%90d Change |
| Product Name | Super Duper Savings Account | Premier Savings |
| Minimum Deposit | $50 | $0 |
| Min. Balance for APY | $0 | $1,000 |
| Monthly Fee | $0, if electronic statements selected, otherwise $5 | $0 |
| Branch Access | Yes | None |
| Account Type | Online & Branches | Online Only |
| Direct Deposit Req. | None | None |
| Checking Bundle | No | No |
| Mobile Apps | iOS4.9 Android4.4 | iOS4.9 Android4.5 |
| BBB Rating | A- | A+ |
| Next Steps |
📈 Compare Savings Rates Over Time
Historical Performance
| Metric | Climate First Bank | Upgrade |
|---|---|---|
| Super Duper Savings Account | Premier Savings | |
Current APY | 4.21% | 3.05% |
Trend | Stable | Stable |
Velocity (bps/mo) | 0.0 | 0.0 |
Days Since Change | 15 | 15 |
1-Month High | 4.21% | 3.05% |
1-Month Low | 4.21% | 3.05% |
Adjustments / Mo | 0.00 | 0.00 |
Volatility Score | 0.000 | 0.000 |
How to read these metrics(Click to expand)
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