Barclays vs. Climate First Bank
Barclays's Tiered Savings pays 3.65% APY while Climate First Bank's Super Duper Savings Account pays 4.01% APY.
See how they compare on rate stability, mobile app ratings, and more below.
The Bottom Line
Who pays more interest on $10,000? Climate First Bank pays $51 more than Barclays annually ($401 vs $350).
Choose Barclays if you're an iPhone user (no iOS app for Climate First Bank), or you're an Android user (no Android app for Climate First Bank). Choose Climate First Bank if getting the best rate matters most, you value in-person banking, or you want Zelle for quick transfers.
| Metric | BarclaysTiered Savings Sep 14, 2026 | Climate First BankSuper Duper Savings Account Sep 14, 2026 |
|---|---|---|
| APY | 3.50% - 3.65% | 4.01% |
Earns in a year | $5,000+$175 $10,000+$350 $25,000+$875 | $5,000+$200 $10,000+$401 $25,000+$1,002 |
Min. Deposit | $0 | $50 |
Snapshot view. Rates subject to change. | ||
Terms | The top APY is only available for balances over $250,000. For lower balances, a lower APY applies. | - |
| Features | FDIC InsuredNo MinimumsGreat iOS AppGreat Android AppDaily CompoundingRate Changes Often | FDIC InsuredLow MinimumsIn-Person AccessZelle® SupportedDaily CompoundingStable Rate |
Market Reality Check
Both of these institutions offer rates below the top 10 savings and money market accounts we track. Those institutions all pay at least 4.20% APY.
Comparison Analysis
Comparing Barclays vs. Climate First Bank
Executive Summary
Barclays last changed on June 24, 2026, down 10 basis points. Climate First Bank last changed on February 27, 2026, down 20 basis points. Climate First Bank paid 4.17% on average on savings and money market deposits. Its savings account offers 4.01%. Barclays paid 3.71% on average on savings and money market deposits. Its savings account offers 3.65%. At a balance of $100,000, Climate First Bank's rate applies, while Barclays' rate is effective at $250,000.
The analysis is based on current Banksparency database records
* This content is provided for informational purposes only; always verify details with the provider.
Why Barclays?
- Higher rated iOS app (4.9 vs 0.0)
- Higher rated Android app (4.6 vs 0.0)
Why Climate First Bank?
- Higher potential APY (3.56%-4.01% vs 3.20%-3.65%) 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®
Key Feature Differences
Better Returns at $10,000
Climate First BankClimate First Bank's Super Duper Savings Account earns more on smaller deposits (approx. $401 vs $350/yr).
Better Returns at $25,000
Climate First BankClimate First Bank's Super Duper Savings Account pulls ahead with larger amounts (approx. $1002 vs $875/yr).
Better for Simplicity
Climate First BankClimate First Bank's Super Duper Savings Account offers 4.01% APY with no bundling, direct deposit requirement or caps.
Better Mobile App Experience
BarclaysBarclays offers an iOS app rated 4.9 (vs. 0.0) and Android app rated 4.6 (vs. 0.0)
Shared Benefits
Over a 1-year period, Climate First Bank's Super Duper Savings Account pays $51 more interest on a $10,000 balance than Barclays's Tiered Savings.
*This calculation assumes current rates remain consistent for 1 year and does not include temporary bonuses.
Non-sponsored link to official site
Non-sponsored link to official site
Top Market Contenders
Barclays vs. Climate First Bank Savings Calculator
You earn $51 more with Climate First Bank than Barclays 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.
Barclays
Tiered Savings
Savings Breakdown
- Interest Earned+$350.00(3.4%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,350.00
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 at a large branch bank?
A typical branch-bank savings rate is 0.05% APY. On a $10,000 balance, the gap to these two banks is at least $345 a year in interest.
Both Barclays and Climate First Bank advertise far more than that typical branch-bank rate.
| Feature | Barclays | Climate First Bank |
|---|---|---|
| APY | 3.65% Range: 3.50% - 3.65% Observed: 9/14/2026 0.35%90-day change | 4.01% Observed: 9/14/2026 Stable over 90 days |
| Product Name | Tiered Savings | Super Duper Savings Account |
| Minimum Deposit | $0 | $50 |
| Min. Balance for APY | $0.01 | $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 | 1 (DE) | 4 (FL) |
| Direct Deposit Req. | None | None |
| Checking Bundle | No | 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 top APY is only available for balances over $250,000. For lower balances, a lower APY applies. | - |
| Next Steps | Visit SiteVerify at Barclays Non-sponsored link to official site | Visit SiteVerify at Climate First Bank Non-sponsored link to official site |
What each bank pays on deposits
An advertised rate tells you what a new savings account earns today. It cannot tell you how the bank has priced the savings and money market deposits it already holds, over time. This section shows that. The figure is computed from the interest expense and deposit balances that every bank files with the FDIC in the same form. That is what makes it comparable across banks and across quarters.
Barclays
The two figures answer different questions, so they sit side by side and are not combined. The 3.65% applies to balances up to $1,000,000. The bank states no rate for the balance above that.
In Q2 2026, Barclays Bank Delaware paid a higher average rate on savings and money market deposits than 99% of banks that reported a figure (3,938 banks; FDIC call report). The all-bank median was 1.45%.
Each figure is that bank's own charter-level average across its whole deposit book, so the two are shown one after the other and are not a ranking.
Climate First Bank
The two figures answer different questions, so they sit side by side and are not combined.
In Q2 2026, Climate First Bank paid a higher average rate on savings and money market deposits than 100% of banks that reported a figure (3,938 banks; FDIC call report). The all-bank median was 1.45%.
How to read these figures
What the average covers. It is an average across the whole bank, taken from its own quarterly FDIC call report. It covers savings accounts and money market deposit accounts, personal and business, at every balance tier. It also covers accounts that were opened years ago and keep the rate of those years. The FDIC line does not separate consumer accounts.
The second figure. The scale row also shows the average across all interest-bearing deposits: savings, interest checking, money market accounts, CDs, personal and business. That figure covers the whole deposit book. The two are shown separately and are not combined.
What the advertised rate covers. It is the rate that this bank advertises now for a new savings account. Banksparency records it from the bank's website on the date shown beside it.
Why the two differ. They measure different things, so this page shows them side by side and keeps them apart. An advertised rate applies to one account, opened now, at today's price. The average also includes older savings balances at the rates of earlier years, money market balances that were priced in a different rate environment, and business accounts. An average below an advertised rate is the usual result of that arithmetic. On its own it is not evidence about the account that you would open.
What the average is useful for. The bank files the data itself, under reporting instructions that are the same for every filer, and the same computation runs for every bank on this site. That makes it comparable in a way that an advertisement is not. Two things on this page read it: the percentile, which shows where the quarter sits among all filers, and the chart, which shows the direction the figure has moved across quarters.
What the average cannot tell you. It cannot tell you the rate that you would earn. No single customer earns the average. For your rate, read the advertised rate above and the rate tables on this page, each with the date it was observed.
What to do next. Use the advertised rate to work out what a new account earns. Use the chart to see how the quarterly average has moved against the all-bank median. Then compare the advertised rate against the current rates on the savings-rate tables before you open an account.
Definitions: Call Report · Rate Paid on Deposits · Interest-Bearing Deposits · Front Book and Back Book · Deposit Rate Percentile
Average annualized rates paid on savings and money market deposits, and on all interest-bearing deposits, quarterly. The FDIC line for savings includes money market deposit accounts and business savings deposits and does not separate consumer accounts. Source: FDIC call report data, as reported; it may be amended. The percentile compares all FDIC filers, count-weighted. A missing quarter is suppressed, never interpolated. The percentile counts the banks that paid strictly less on savings and money market deposits, one vote per bank, among the 3,938 banks that reported a figure for the quarter ending June 30, 2026.
CD rates, term by term
Barclays lists CDs on Banksparency at 6, 9, 12, 18, 24, 36, 48 and 60 months. Climate First Bank lists CDs at 6, 12 and 15 months. Each row below is one term, with the best rate each bank advertises for it.
| Term | Barclays APY | Climate First Bank APY | FDIC average (Aug 2026) |
|---|---|---|---|
| 12 months | 4.25% APYNo minimum | 4.15% APY$500 minimum | 1.71% |
| 6 months | 4.00% APYNo minimum | 4.07% APY$500 minimum | 1.41% |
| 9 months | 4.15% APYNo minimum | Not listed here | |
| 15 months | Not listed here | 2.68% APY$500 minimum | |
| 18 months | 3.00% APYNo minimum | Not listed here | |
| 24 months | 4.35% APYNo minimum | Not listed here | 1.57% |
| 36 months | 2.50% APYNo minimum | Not listed here | 1.34% |
| 48 months | 2.50% APYNo minimum | Not listed here | 1.27% |
| 60 months | 4.25% APYNo minimum | Not listed here | 1.36% |
Money market accounts
A money market account holds a savings balance and adds check or debit card access. The figure each bank advertises is its best APY across every active tier, so the sentence under it says which balance earns that rate.
Barclays
No money market account listed here.
Climate First Bank
Impact Money Market
3.96% APY
$50,000 minimum. As observed Sep 14, 2026.
The FDIC national money market average was 0.63% in Aug 2026.
Compare Savings Rates Over Time
Historical Performance
| Metric | Barclays | Climate First Bank | ||
|---|---|---|---|---|
| Tiered Savings | Online Savings | Business Money Market | Super Duper Savings Account | |
Current APY | 3.65% | 3.20% | 4.26% | 4.01% |
Trend | Stable | Stable | Stable | Stable |
Speed of change | -0.04 | -0.04 | -0.03 | -0.02 |
Days Since Change | 82 | 11 | 158 | 199 |
10-Month High | 4.00% | 3.70% | 4.51% | 4.21% |
10-Month Low | 3.65% | 3.20% | 4.26% | 4.01% |
Changes per month | 0.31 | 0.51 | 0.10 | 0.10 |
Steadiness | 0.018 | 0.023 | 0.023 | 0.009 |
How to read these metrics(Click to expand)
Trends and speed
- Trend: The general direction of the rate over the analyzed period. Useful for seeing whether a bank is raising its rate or letting it slip.
- Speed of change: How fast the rate moves. A high positive number means they raise rates quickly. A reading of 0.10 is a tenth of a percentage point each month.
- Changes per month: How often the rate moves. A high number means it changes constantly; a low number means it holds.
Risk & Range
- High/Low: The absolute ceiling and floor of the rate during the 294-day window.
- Steadiness: How far the rate swings around its average. A lower score means a steadier, more predictable rate.
- Days Since Change: A high number, for example above 90, means the rate rarely moves. A low number means it changed recently.
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Compare Barclays' APY of 3.65% with other banks
Compare Climate First Bank's APY of 4.01% with other banks
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|---|---|---|
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| Climate First Bank vs Pibank | 4.10% | $0 |
| Climate First Bank vs SoFi Bank | 4.00% | $0 |
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