Climate First Bank vs. Wealthfront
Compare rates, requirements, and features side-by-side to find the best option for you.
| Metric | Climate First BankSuper Duper Savings Account Jan 21, 2026 | WealthfrontCash Account Jan 21, 2026 |
|---|---|---|
| APY | 4.21% | 3.25% - 3.90% |
Est. Earnings | $5,000+$211 $10,000+$421 $25,000+$1,053 | $5,000+$171 $10,000+$341 $25,000+$853 |
Min Deposit | $50 | $0 |
Snapshot view. Rates subject to change. | ||
Terms | - | 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 3.90% for 3 months, after which the 3.25% APY applies. See terms at Wealthfront. |
| Features | FDIC InsuredLow MinimumsGreat iOS AppGreat Android AppIn-Person AccessZelle® Supported | FDIC InsuredNo MinimumsGreat iOS AppGreat Android App |
Comparison Analysis
Comparing Climate First Bank vs. Wealthfront
As of Climate First Bank offers an APY of 4.21% for its Super Duper Savings Account, with a minimum balance of $0, compared to Wealthfront's 3.90% APY for its Cash Account, with a minimum balance of $0.
Climate First Bank pays $80 more than Wealthfront on a $10,000 balance after one year. Climate First Bank pays $421, while Wealthfront pays $341 (with an effective APY of 3.41%) - an APY advantage for Climate First Bank.
Why Climate First Bank?
- ✓Higher potential APY (4.21% vs 3.90%) on all balances
- ✓Physical branch access (3 locations in Florida (St. Petersburg, Mount Dora, Winter Park), and one coming soon in Orlando, FL)
- ✓Fast transfers via Zelle®
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 $341/yr).
Better Returns at $25,000
Climate First BankClimate First Bank's Super Duper Savings Account pulls ahead with larger amounts (approx. $1053 vs $853/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 $80 more interest on a $10,000 balance than Wealthfront's Cash Account.
*This comparison accounts for Wealthfront's introductory promotional rate, yet Climate First Bank's standard rate still yields a higher 1-year return.
Executive Summary as of
Climate First Bank offers a Super Duper Savings Account with a competitive APY of 4.21%, making it the clear winner compared to Wealthfront's Cash Account, which provides an initial APY of 3.90% for new clients, dropping to 3.25% thereafter. Climate First Bank's account has no direct deposit requirement, no maintenance fees if electronic statements are selected, and allows a minimum deposit of $50, making it straightforward for savers. In contrast, Wealthfront operates online only and is not a bank but a financial services company, which may affect customer preferences.
The analysis is based on current Banksparency database records
* This content is provided for informational purposes only; always verify details with the provider.
Non-sponsored link to official site
Non-sponsored link to official site
Top Market Contenders
Climate First Bank vs. Wealthfront Savings Calculator
You earn $78.5 more with Climate First Bank than Wealthfront on a $10,000 initial deposit for 1 year*.
*This calculation assumes that APYs remain unchanged for 1 year, and takes into account known promo rate periods, but does not factor in bonuses. You can see how often these banks have changed their rates in the Compare Savings Rates Over Time section below.
Climate First Bank
Super Duper Savings Account
Savings Breakdown
- Interest Earned+$421.00(4.0%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,421.00
Wealthfront
Cash Account
Promo Rate: 3.90% for 3 months, then 3.25%.
Savings Breakdown
- Interest Earned+$342.50(3.3%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,342.50
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
| Feature | Climate First Bank | Wealthfront |
|---|---|---|
| APY | 4.21% Verified: 1/21/2026 - | 3.90% Range: 3.25% - 3.90% Verified: 1/21/2026 - |
| 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 |
| Zelle® Support | Available Verified in Climate First Bank Personal app. | Not Supported |
| 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 3.90% for 3 months, after which the 3.25% APY applies. See terms at Wealthfront. |
| Next Steps | Visit SiteVerify at Climate First Bank Non-sponsored link to official site | Visit SiteVerify at Wealthfront Non-sponsored link to official site |
📈 Compare Savings Rates Over Time
Historical Performance
| Metric | Climate First Bank | Wealthfront |
|---|---|---|
| Super Duper Savings Account | Cash Account | |
Current APY | 4.21% | 3.90% |
Trend | Stable | Stable |
Velocity (bps/mo) | 0.0 | -19.0 |
Days Since Change | 56 | 33 |
2-Month High | 4.21% | 4.15% |
2-Month Low | 4.21% | 3.90% |
Adjustments / Mo | 0.00 | 0.53 |
Volatility Score | 0.000 | 0.031 |
How to read these metrics(Click to expand)
Compare Similar High-Yield Accounts
Compare Climate First Bank vs...
Comparing against Standard Savings
Compare Wealthfront vs...
Comparing against Standard Savings
High Rates (With Checking Bundle)
Looking for something different? Check out these top-rated alternatives.