Climate First Bank vs. Valley 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
Valley Direct
High-Yield Savings Account
Up to4.10%APYDec 6, 2025FDIC InsuredLow MinimumsGreat iOS AppGreat Android AppRange: 3.50% – 4.10%Show Fine Print & Trends Hide Details
Valley Direct
High-Yield Savings Account
Comparison Analysis
Comparing Climate First Bank vs. Valley Direct
Why Climate First Bank?
- ✓Higher potential APY (4.21% vs 4.10%) on all balances
- ✓Physical branch access (3 locations in Florida (St. Petersburg, Mount Dora, Winter Park), and one coming soon in Orlando, FL)
- ✓Available to New & Existing Customers
Why Valley Direct?
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 $410/yr).
Better Returns at $25,000
Climate First BankClimate First Bank's Super Duper Savings Account pulls ahead with larger amounts (approx. $1053 vs $1025/yr).
Shared Benefits
Over a 1-year period, Climate First Bank's Super Duper Savings Account pays $11 more interest on a $10,000 balance than Valley Direct's High-Yield Savings Account.
Executive Summary
Climate First Bank offers the Super Duper Savings Account with a competitive APY of 4.21%, making it the better choice for savers looking to maximize their returns. This account requires a minimum deposit of $50 and has no maintenance fees if electronic statements are selected. In comparison, Valley Direct's High-Yield Savings Account provides a slightly lower APY of 4.10%, but is only available to new customers at that rate; existing customers receive a lower APY of 3.50%. Valley Direct's account requires a minimum deposit of $1,000 and is online-only. Overall, Climate First Bank stands out with its higher APY.
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 Valley Direct.
| Feature | Climate First Bank | Valley Direct |
|---|---|---|
| APY | 4.21% Verified: 12/6/2025 - | 4.10% Range: 3.50% - 4.10% Verified: 12/6/2025 ↘︎ 0.20%90d Change |
| Product Name | Super Duper Savings Account | High-Yield Savings Account |
| Minimum Deposit | $50 | $1,000 |
| Min. Balance for APY | $0 | $0.01 |
| 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 |
| BBB Rating | A- | A+ |
| Important Notes | - | Promo rate for new customers. 3.50% APY applies to existing customers. |
| Next Steps |
Savings Comparison
Climate First Bank earns $71.4 more than Valley 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
Valley Direct
High-Yield Savings Account
Savings Breakdown
- Interest Earned+$2,499.40(12.2%)
- Total Contributions$13,000
- Initial Deposit$5,000
Projected Balance
$20,499.40
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 | Valley Direct |
|---|---|---|
| Super Duper Savings Account | High-Yield Savings Account | |
Current APY | 4.21% | 4.10% |
Trend | Stable | Stable |
Velocity (bps/mo) | 0.0 | 0.0 |
Days Since Change | 11 | 11 |
1-Month High | 4.21% | 4.10% |
1-Month Low | 4.21% | 4.10% |
Adjustments / Mo | 0.00 | 0.00 |
Volatility Score | 0.000 | 0.000 |
How to read these metrics(Click to expand)
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