Climate First Bank vs. Wells Fargo
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 | Wells FargoPlatinum Savings Jan 21, 2026 |
|---|---|---|
| APY | 4.21% | 0.05% |
Est. Earnings | $5,000+$211 $10,000+$421 $25,000+$1,053 | $5,000+$3 $10,000+$5 $25,000+$13 |
Min Deposit | $50 | $25 |
Snapshot view. Rates subject to change. | ||
Terms | - | This is a tiered savings account where rates vary based on the balance. The 0.05% APY is available for balances of $1,000,000 or more, and 0.05% APY up to $99,999.99. These APYs require the account is linked to a Wells Fargo Premier checking account. See bank for more tiers and details. |
| Features | FDIC InsuredLow MinimumsGreat iOS AppGreat Android AppIn-Person AccessZelle® Supported | FDIC InsuredHigh MinimumGreat iOS AppGreat Android AppIn-Person AccessZelle® SupportedChecking Bundle |
Comparison Analysis
Comparing Climate First Bank vs. Wells Fargo
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 Wells Fargo's 0.05% APY for its Platinum Savings account, with a minimum balance of $1,000,000.
Climate First Bank pays $416 more than Wells Fargo on a $10,000 balance after one year. Climate First Bank pays $421, while Wells Fargo pays $5 - an APY advantage for Climate First Bank.
In addition, Wells Fargo also offers 0.01% APY for the Way2Save Savings account, with a minimum balance of $0.
Why Climate First Bank?
- ✓Higher potential APY (4.21% vs 0.01%-0.05%) on all balances
- ✓No checking account or direct deposit required
Why Wells Fargo?
- ✓Higher rated Android app (4.8 vs 4.4)
- ✓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 $5/yr).
Better Returns at $25,000
Climate First BankClimate First Bank's Super Duper Savings Account pulls ahead with larger amounts (approx. $1053 vs $13/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 $416 more interest on a $10,000 balance than Wells Fargo's Platinum Savings.
*This calculation assumes current rates remain consistent for 1 year and does not include temporary bonuses.
Executive Summary as of
Climate First Bank offers a clear advantage with its Super Duper Savings Account, which provides a competitive APY of 4.21%. This account requires a minimum deposit of $50 and has no maintenance fees if electronic statements are selected. In contrast, Wells Fargo's highest APY is just 0.05% with their Platinum Savings account, which requires a significant minimum balance of $1,000,000 and is linked to a checking account. The Way2Save Savings account at Wells Fargo offers an even lower APY of 0.01%. Overall, Climate First Bank's offering stands out significantly for those looking for better returns.
The analysis is based on current Banksparency database records
* This content is provided for informational purposes only; always verify details with the provider.
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Climate First Bank vs. Wells Fargo Savings Calculator
You earn $416 more with Climate First Bank than Wells Fargo 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
Wells Fargo
Platinum Savings
Higher APY requires $1,000,000
Savings Breakdown
- Interest Earned+$5.00(0.0%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,005.00
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
| Feature | Climate First Bank | Wells Fargo |
|---|---|---|
| APY | 4.21% Verified: 1/21/2026 - | 0.05% Range: 0.05% - 0.05% Verified: 1/21/2026 Stable (90d) |
| Product Name | Super Duper Savings Account | Platinum Savings |
| Minimum Deposit | $50 | $25 |
| Min. Balance for APY | $0 | $1,000,000 |
| Monthly Fee | $0, if electronic statements selected, otherwise $5 | $12. Waived with $3,500 minimum daily balance. |
| Branch Access | Yes | Yes |
| Account Type | Online & Branches | Online & Branches |
| Direct Deposit Req. | None | None |
| Checking Bundle | No | Yes |
| Mobile Apps | iOS4.9 Android4.4 | iOS4.9 Android4.8 |
| Zelle® Support | Available Verified in Climate First Bank Personal app. | Available Limit: $3,500/dayFounding member; zero fees to replace wires. |
| BBB Rating | A- | D- |
| Important Notes | - | This is a tiered savings account where rates vary based on the balance. The 0.05% APY is available for balances of $1,000,000 or more, and 0.05% APY up to $99,999.99. These APYs require the account is linked to a Wells Fargo Premier checking account. See bank for more tiers and details. |
| Next Steps | Visit SiteVerify at Climate First Bank Non-sponsored link to official site | Visit SiteVerify at Wells Fargo Non-sponsored link to official site |
📈 Compare Savings Rates Over Time
Historical Performance
| Metric | Climate First Bank | Wells Fargo | |
|---|---|---|---|
| Super Duper Savings Account | Platinum Savings | Way2Save Savings | |
Current APY | 4.21% | 0.05% | 0.01% |
Trend | Stable | Stable | Stable |
Velocity (bps/mo) | 0.0 | 0.0 | -0.0 |
Days Since Change | 56 | 56 | 56 |
2-Month High | 4.21% | 0.05% | 0.01% |
2-Month Low | 4.21% | 0.05% | 0.01% |
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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