Axos Bank vs. Climate First Bank
Axos Bank's Axos ONE Savings pays 4.21% APY while Climate First Bank's Super Duper Savings Account pays 4.01% APY.
Note: Axos Bank requires a checking account.
See how they compare on rate stability, mobile app ratings, and more below.
The Bottom Line
Who pays more interest on $10,000? Axos Bank pays $20 more than Climate First Bank annually ($421 vs $401).
Choose Axos Bank if getting the best rate matters most. Choose Climate First Bank if you want a no-strings-attached account, you value in-person banking, or you want Zelle for quick transfers.
Important Considerations
Axos Bank requires a checking account to unlock its top savings rate, while Climate First Bank offers its savings account standalone.
| Metric | Axos BankAxos ONE Savings Aug 21, 2026 | Climate First BankSuper Duper Savings Account Aug 21, 2026 |
|---|---|---|
| APY | 3.50% - 4.21% | 4.01% |
Est. Earnings | $5,000+$211 $10,000+$421 $25,000+$1,053 | $5,000+$200 $10,000+$401 $25,000+$1,002 |
Min Deposit | $0 | $50 |
Snapshot view. Rates subject to change. | ||
Terms | The APY is available with the Axos ONE savings and checking bundle. The checking account also earns interest. To qualify, you must either set up a direct deposit of $1,500 and maintain an average daily balance of more than $1,500 in your ONE Checking account, or receive at least $5,000 in total monthly qualifying deposits and maintain an average daily balance of more than $5,000. | - |
| Features | FDIC InsuredNo MinimumsGreat iOS AppGreat Android AppChecking BundleDaily CompoundingStable Rate | FDIC InsuredLow MinimumsGreat iOS AppGreat Android AppIn-Person AccessZelle® SupportedDaily CompoundingStable Rate |
Comparison Analysis
Comparing Axos Bank vs. Climate First Bank
Executive Summary
A detailed summary for this comparison is being prepared. Check back soon.
The analysis is based on current Banksparency database records
* This content is provided for informational purposes only; always verify details with the provider.
Why Axos Bank?
- ✓Access to 95,000 fee-free ATMs
- ✓Higher potential APY (3.50%-4.21% vs 3.56%-4.01%) on all balances
Why Climate First Bank?
- ✓Physical branch access (3 locations in Florida (St. Petersburg, Mount Dora, Winter Park), and one coming soon in Orlando, FL)
- ✓Fast transfers via Zelle®
Key Feature Differences
Better Returns at $10,000
Axos BankAxos Bank's Axos ONE Savings earns more on smaller deposits (approx. $421 vs $401/yr).
Better Returns at $25,000
Axos BankAxos Bank's Axos ONE Savings pulls ahead with larger amounts (approx. $1053 vs $1002/yr).
Best for Simplicity
Climate First BankClimate First Bank's Super Duper Savings Account offers 4.01% APY with no bundling, direct deposit requirement or caps.
Best for All-in-One Banking
Axos BankAxos Bank's Axos ONE Savings pays a superior APY for customers who also open a checking account.
Shared Benefits
Over a 1-year period, Axos Bank's Axos ONE Savings pays $20 more interest on a $10,000 balance than Climate First Bank's Super Duper Savings Account.
*This calculation assumes current rates remain consistent for 1 year and does not include temporary bonuses.
* Secure link to our partner
Non-sponsored link to official site
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Axos Bank vs. Climate First Bank Savings Calculator
You earn $20 more with Axos Bank than Climate First Bank 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.
Axos Bank
Axos ONE Savings
Savings Breakdown
- Interest Earned+$421.00(4.0%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,421.00
Climate First Bank
Super Duper Savings Account
Savings Breakdown
- Interest Earned+$401.00(3.9%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,401.00
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
Still banking with Chase, Bank of America, or Wells Fargo?
On a $10,000 balance, you're missing out on at least $400 per year in interest.
Both Axos Bank and Climate First Bank dramatically outperform the typical 0.01% APY at traditional big banks.
| Feature | Axos Bank | Climate First Bank |
|---|---|---|
| APY | 4.21% Range: 3.50% - 4.21% Verified: 8/21/2026 - | 4.01% Verified: 8/21/2026 - |
| Product Name | Axos ONE Savings | Super Duper Savings Account |
| Minimum Deposit | $0 | $50 |
| Min. Balance for APY | $0 | $0 |
| Monthly Fee | $0 | $0, if electronic statements selected, otherwise $5 |
| Compound Frequency | Daily | daily |
| In-Branch Access | No | Yes |
| Account Type | Online Only | Online & Branches |
| Physical Branches | None | 3 locations in Florida (St. Petersburg, Mount Dora, Winter Park), and one coming soon in Orlando, FL |
| Direct Deposit Req. | None | None |
| Checking Bundle | Yes | No |
| Mobile Apps | ||
| FDIC or NCUA Insured | YesVerify FDIC | YesVerify FDIC |
| Zelle® Support | Not Supported | Available Verified in Climate First Bank Personal app. |
| BBB Rating | A+ | A+ |
| Important Notes | The APY is available with the Axos ONE savings and checking bundle. The checking account also earns interest. To qualify, you must either set up a direct deposit of $1,500 and maintain an average daily balance of more than $1,500 in your ONE Checking account, or receive at least $5,000 in total monthly qualifying deposits and maintain an average daily balance of more than $5,000. | - |
| Next Steps | Visit SiteGo to Axos Bank * Secure link to our partner | Visit SiteVerify at Climate First Bank Non-sponsored link to official site |
📈 Compare Savings Rates Over Time
Historical Performance
| Metric | Axos Bank | Climate First Bank | |||
|---|---|---|---|---|---|
| Axos ONE Savings | Summit Savings | High Yield Savings | Business Money Market | Super Duper Savings Account | |
Current APY | 4.21% | 3.75% | 0.61% | 4.26% | 4.01% |
Trend | Stable | Stable | Stable | Stable | Stable |
Velocity (bps/mo) | -2.6 | -4.1 | -0.0 | -3.1 | -2.3 |
Days Since Change | 200 | 253 | 269 | 134 | 175 |
9-Month High | 4.51% | 4.00% | 0.61% | 4.51% | 4.21% |
9-Month Low | 4.21% | 3.75% | 0.61% | 4.26% | 4.01% |
Adjustments / Mo | 0.22 | 0.11 | 0.00 | 0.11 | 0.11 |
Volatility Score | 0.017 | 0.029 | 0.000 | 0.023 | 0.009 |
How to read these metrics(Click to expand)
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Compare Axos Bank's APY of 4.21% with other banks
Compare Climate First Bank's APY of 4.01% with other banks
| Bank Pair | Competitor APY | Min Deposit |
|---|---|---|
| Climate First Bank vs Ally Bank | 3.00% | $0 |
| Climate First Bank vs American Express | 3.00% | $0 |
| Climate First Bank vs Barclays | 3.65% | $0 |
| Climate First Bank vs Capital One | 3.50% | $0 |
| Climate First Bank vs Chime | 3.75% | $0 |
| Climate First Bank vs CIT Bank | 3.75% | $100 |
| Climate First Bank vs EverBank | 3.90% | $0 |
| Climate First Bank vs Marcus by Goldman Sachs | 3.40% | $0 |
| Climate First Bank vs Newtek Bank | 4.20% | $100 |
| Climate First Bank vs Openbank | 3.80% | $500 |
| Climate First Bank vs Pibank | 4.10% | $0 |
| Climate First Bank vs SoFi Bank | 3.80% | $0 |
| Climate First Bank vs Synchrony Bank | 3.30% | $0 |
| Climate First Bank vs Varo Bank | 3.75% | $0 |
| Climate First Bank vs Wealthfront | 3.95% | $0 |