High-Yield Savings Account Comparison

Climate First Bank vs. Wells Fargo

Compare rates, requirements, and features side-by-side to find the best option for you.

Analysis by Aviel Fahl

Updated December 6, 2025

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Climate First Bank

Super Duper Savings Account

4.21%

APY

Dec 6, 2025

FDIC InsuredLow MinimumsGreat iOS AppGreat Android AppIn-Person Access

Show Fine Print & Trends

Min. Deposit	$50
Min. Balance	$0
Maintenance Fee	$0, if electronic statements selected, otherwise $5
Compound Freq	N/A
Direct Deposit	Not required
Branch Access	3 locations in Florida (St. Petersburg, Mount Dora, Winter Park), and one coming soon in Orlando, FL
Deposit Insurance	FDIC Insured(Cert: 59257)
Eligibility	United States
Mobile Ratings	iOS:4.9 Android:4.4
BBB Rating	A-(Not BBB Accredited)

Rate Stability

StableNo rate changes in last 7 days

Read Bank Overview

Wells Fargo

Platinum Savings

0.05%

APY

Dec 6, 2025

FDIC InsuredHigh MinimumChecking BundleGreat iOS AppGreat Android AppIn-Person Access

Show Fine Print & Trends

Min. Deposit	$25
Min. Balance	$1,000,000
Maintenance Fee	$12. Waived with $3,500 minimum daily balance.
Compound Freq	Daily
Direct Deposit	Not required
Branch Access	Wells Fargo offers branches and ATMs in 36 states and Washington, D.C.
Deposit Insurance	FDIC Insured(Cert: 3511)
Eligibility	United States
Mobile Ratings	iOS:4.9 Android:4.8
BBB Rating	D-(Not BBB Accredited)

Important Note

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.

Rate Stability

Rate Adjusted

-2.46%

Since 90 days ago

Read Bank Overview

Comparison Analysis

Comparing Climate First Bank vs. Wells Fargo

Updated: Dec 6, 2025

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 Bank

Climate First Bank's Super Duper Savings Account earns more on smaller deposits (approx. $421 vs $5/yr).

Better Returns at $25,000

Climate First Bank

Climate First Bank's Super Duper Savings Account pulls ahead with larger amounts (approx. $1053 vs $13/yr).

Best for Simplicity

Climate First Bank

Climate First Bank's Super Duper Savings Account offers 4.21% APY with no bundling, direct deposit requirement or caps.

Shared Benefits

Available Nationwide Available to New & Existing Customers

The Bottom Line

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.

Wells FargoClimate First Bank

Automated Data Audit

Executive Summary

Climate First Bank offers the Super Duper Savings Account with a competitive APY of 4.21%, making it a strong choice for savers looking for high returns without the need for direct deposit or account bundling. 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 only 0.05% with their Platinum Savings account, which requires a substantial balance of $1,000,000 and is contingent on linking to a Premier checking account. The Way2Save Savings account offers a minimal APY of 0.01%, highlighting the significant advantage of Climate First Bank's offerings.

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.

ExploreClimate First Bank ExploreWells Fargo

Top Market Contenders

See who beats both Climate First Bank and Wells Fargo.

Compare All High-Yield Savings Accounts

Pibank

Pibank Savings

FDIC InsuredNo Minimums

4.60% APY

+0.39% vs Climate First Bank

Better Rate

Pibank vs Climate First Bank Pibank vs Wells Fargo

Neighbors Bank

Neighbors Savings Account

FDIC InsuredNo MinimumsGreat Android App

4.50% APY

+0.29% vs Climate First Bank

Better Rate

Neighbors Bank vs Climate First Bank Neighbors Bank vs Wells Fargo

Axos Bank

Axos ONE

FDIC InsuredNo MinimumsGreat iOS AppGreat Android App

4.31% APY

+0.10% vs Climate First Bank

Better Rate

Axos Bank vs Climate First Bank Axos Bank vs Wells Fargo

Feature	Climate First Bank	Wells Fargo
APY	4.21% Verified: 12/6/2025 -	0.05% Range: 0.05% - 0.05% Verified: 12/6/2025 ↘︎ 2.46%90d Change
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
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	- View Details	- View Details

Savings Comparison

Calculations based on current APY.

Initial Deposit

Recurring Deposit

Frequency

Duration

Climate First Bank earns $2,542.2 more than Wells Fargo.

Climate First Bank

Super Duper Savings Account

4.21% APY

Savings Breakdown

Interest Earned
+$2,570.80(12.5%)
Total Contributions
$13,000
Initial Deposit
$5,000

Projected Balance

$20,570.80

Effective APY

4.21%

View Details

Wells Fargo

Platinum Savings

0.05% APY

Higher APY requires $1,000,000

Savings Breakdown

Interest Earned
+$28.60(0.2%)
Total Contributions
$13,000
Initial Deposit
$5,000

Projected Balance

$18,028.60

Effective APY

0.05%

View Details

The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.

📈 Compare Savings Rates Over Time

Historical Performance

Last 1 Month Analysis

Metric	Climate First Bank	Wells Fargo
	Super Duper Savings Account	Platinum Savings	Way2Save Savings
Current APYMost recent advertised annual-percentage yield.	4.21%	0.05%	0.01%
TrendDirection over the last 1 months (regression slope).	Stable	Stable	Stable
Velocity (bps/mo)Average monthly change; 10 bps = 0.10 pp.	0.0	-0.0	0.0
Days Since ChangeRecency of the latest APY adjustment.	11	11	11
1-Month HighHighest APY in the last 12 days.	4.21%	0.05%	0.01%
1-Month LowLowest APY in the last 12 days.	4.21%	0.05%	0.01%
Adjustments / MoTypical number of APY moves per month.	0.00	0.00	0.00
Volatility ScoreCoefficient of variation (stdev ÷ mean). Lower is more stable.	0.000	0.000	0.000

How to read these metrics(Click to expand)

Trends & Velocity

Trend: The general direction of the rate over the analyzed period. Useful for spotting if a bank is currently aggressive or pulling back.
Velocity (bps/mo): Speed of change. A high positive number means they raise rates quickly. 10 bps = 0.10%.
Adjustments/Mo: "Twitchiness." High frequency means the rate changes constantly; low frequency means it's stable.

Risk & Range

High/Low: The absolute ceiling and floor of the rate during the 12-day window.
Volatility Score: Lower is better for predictability. It indicates how wildly the rate swings relative to its average.
Days Since Change: If this number is high (e.g., >90), the rate is very sticky. If low, it changed recently.

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4.60%

APY

vs Climate First Bank

Neighbors BankNo Bundle Req

4.50%

APY

vs Climate First Bank

TIMBRNo Bundle Req

4.40%

APY

Compare Wells Fargo vs...

Comparing against other Bundled Accounts

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Axos BankChecking Bundle

4.31%

APY

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SoFi BankChecking Bundle

4.30%

APY

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Presidential BankChecking Bundle

4.00%

APY

More Comparisons

Compare Climate First Bank's APY of 4.21% with other banks

Bank Pair	Competitor APY	Min Deposit
Climate First Bank vs Ally Bank	3.30%	$0
Climate First Bank vs American Express	3.40%	$0
Climate First Bank vs Axos Bank	4.31%	$0
Climate First Bank vs Bank of America	0.01%	$100
Climate First Bank vs Barclays	4.00%	$0
Climate First Bank vs Bask Bank	3.90%	$0
Climate First Bank vs BMO Alto	3.25%	$0
Climate First Bank vs BrioDirect	4.00%	$5,000
Climate First Bank vs Capital One	3.40%	$0
Climate First Bank vs Chase Bank	0.01%	$0
Climate First Bank vs Chime	3.50%	$0
Climate First Bank vs CIT Bank	3.75%	$100
Climate First Bank vs Citibank	3.30%	$0
Climate First Bank vs Citizens Access™	3.35%	$0.01
Climate First Bank vs Discover Bank	3.40%	$0
Climate First Bank vs Elevault	4.08%	$0
Climate First Bank vs EverBank	4.05%	$0
Climate First Bank vs Fitness Bank	4.75%	$100
Climate First Bank vs FNBO Direct	3.00%	$1
Climate First Bank vs Forbright Bank	4.00%	$0
Climate First Bank vs FVCbank	3.85%	$500
Climate First Bank vs GO2bank	4.50%	$0
Climate First Bank vs Ivy Bank	4.25%	$2,500
Climate First Bank vs LendingClub	4.20%	$0
Climate First Bank vs Marcus by Goldman Sachs	3.65%	$0
Climate First Bank vs Neighbors Bank	4.50%	$0
Climate First Bank vs Newtek Bank	4.35%	$0.01
Climate First Bank vs Openbank	4.20%	$500
Climate First Bank vs Peak Bank	4.20%	$100
Climate First Bank vs Pibank	4.60%	$0
Climate First Bank vs PNC	3.53%	$0
Climate First Bank vs Presidential Bank	4.00%	$5,000
Climate First Bank vs Quontic Bank	3.75%	$100
Climate First Bank vs Salem Five Direct	3.71%	$10
Climate First Bank vs Santander Bank	0.01%	$25
Climate First Bank vs SoFi Bank	4.30%	$0
Climate First Bank vs Synchrony Bank	3.65%	$0
Climate First Bank vs TIMBR	4.40%	$1,000
Climate First Bank vs UFB Direct	3.71%	$5000
Climate First Bank vs Valley Direct	4.10%	$1,000
Climate First Bank vs Varo Bank	5.00%	$0
Climate First Bank vs Vio Bank	4.16%	$100
Climate First Bank vs Wealthfront	4.15%	$0
Climate First Bank vs Zynlo Bank	4.05%	$10

Compare Wells Fargo's APY of 0.05% with other banks

Bank Pair	Competitor APY	Min Deposit
Wells Fargo vs Ally Bank	3.30%	$0
Wells Fargo vs American Express	3.40%	$0
Wells Fargo vs Axos Bank	4.31%	$0
Wells Fargo vs Bank of America	0.01%	$100
Wells Fargo vs Barclays	4.00%	$0
Wells Fargo vs Bask Bank	3.90%	$0
Wells Fargo vs BMO Alto	3.25%	$0
Wells Fargo vs BrioDirect	4.00%	$5,000
Wells Fargo vs Capital One	3.40%	$0
Wells Fargo vs Chase Bank	0.01%	$0
Wells Fargo vs Chime	3.50%	$0
Wells Fargo vs CIT Bank	3.75%	$100
Wells Fargo vs Citibank	3.30%	$0
Wells Fargo vs Citizens Access™	3.35%	$0.01
Wells Fargo vs Discover Bank	3.40%	$0
Wells Fargo vs Elevault	4.08%	$0
Wells Fargo vs EverBank	4.05%	$0
Wells Fargo vs Fitness Bank	4.75%	$100
Wells Fargo vs FNBO Direct	3.00%	$1
Wells Fargo vs Forbright Bank	4.00%	$0
Wells Fargo vs FVCbank	3.85%	$500
Wells Fargo vs GO2bank	4.50%	$0
Wells Fargo vs Ivy Bank	4.25%	$2,500
Wells Fargo vs LendingClub	4.20%	$0
Wells Fargo vs Marcus by Goldman Sachs	3.65%	$0
Wells Fargo vs Neighbors Bank	4.50%	$0
Wells Fargo vs Newtek Bank	4.35%	$0.01
Wells Fargo vs Openbank	4.20%	$500
Wells Fargo vs Peak Bank	4.20%	$100
Wells Fargo vs Pibank	4.60%	$0
Wells Fargo vs PNC	3.53%	$0
Wells Fargo vs Presidential Bank	4.00%	$5,000
Wells Fargo vs Quontic Bank	3.75%	$100
Wells Fargo vs Salem Five Direct	3.71%	$10
Wells Fargo vs Santander Bank	0.01%	$25
Wells Fargo vs SoFi Bank	4.30%	$0
Wells Fargo vs Synchrony Bank	3.65%	$0
Wells Fargo vs TIMBR	4.40%	$1,000
Wells Fargo vs UFB Direct	3.71%	$5000
Wells Fargo vs Valley Direct	4.10%	$1,000
Wells Fargo vs Varo Bank	5.00%	$0
Wells Fargo vs Vio Bank	4.16%	$100
Wells Fargo vs Wealthfront	4.15%	$0
Wells Fargo vs Zynlo Bank	4.05%	$10