Climate First Bank vs. Wealthfront
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
Wealthfront
Cash Account
Up to4.15%APYDec 6, 2025FDIC InsuredNo MinimumsGreat iOS AppGreat Android AppRange: 3.50% – 4.15%Show Fine Print & Trends Hide Details
Wealthfront
Cash Account
Comparison Analysis
Comparing Climate First Bank vs. Wealthfront
Why Climate First Bank?
- ✓No checking account or direct deposit required
- ✓Physical branch access (3 locations in Florida (St. Petersburg, Mount Dora, Winter Park), and one coming soon in Orlando, FL)
Why Wealthfront?
- ✓Higher rated Android app (4.9 vs 4.4)
— 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 $415/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 $6 more interest on a $10,000 balance than Wealthfront's Cash Account.
Executive Summary
Climate First Bank offers the Super Duper Savings Account, which provides a competitive APY of 4.21%, making it the winner in this comparison. This account requires a minimum deposit of $50 and has no maintenance fees if electronic statements are selected. Additionally, there are no direct deposit requirements, enhancing its simplicity. In contrast, Wealthfront's Cash Account has a slightly lower APY of 4.15% for new clients for the first three months, after which it drops to 3.50%. Wealthfront operates online only and has no minimum deposit or balance requirements, but it is important to note that it is not a bank but a financial services company.
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 Wealthfront.
| Feature | Climate First Bank | Wealthfront |
|---|---|---|
| APY | 4.21% Verified: 12/6/2025 - | 4.15% Range: 3.50% - 4.15% Verified: 12/6/2025 - |
| Product Name | Super Duper Savings Account | Cash Account |
| Minimum Deposit | $50 | $0 |
| Min. Balance for APY | $0 | $0 |
| 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 Android4.9 |
| BBB Rating | A- | F |
| Important Notes | - | Wealthfront is not a bank but a financial services company. It is FDIC-insured through its many partner banks. New clients get an APY of 4.15% for 3 months, after which the 3.50% APY applies. See terms at Wealthfront. |
| Next Steps |
Savings Comparison
Climate First Bank earns $39 more than Wealthfront.
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
Wealthfront
Cash Account
Savings Breakdown
- Interest Earned+$2,531.80(12.3%)
- Total Contributions$13,000
- Initial Deposit$5,000
Projected Balance
$20,531.80
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 | Wealthfront |
|---|---|---|
| Super Duper Savings Account | Cash Account | |
Current APY | 4.21% | 4.15% |
Trend | Stable | Stable |
Velocity (bps/mo) | 0.0 | 0.0 |
Days Since Change | 11 | 11 |
1-Month High | 4.21% | 4.15% |
1-Month Low | 4.21% | 4.15% |
Adjustments / Mo | 0.00 | 0.00 |
Volatility Score | 0.000 | 0.000 |
How to read these metrics(Click to expand)
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