Chime vs. Climate First Bank
Chime's Chime High-Yield Savings Account pays 3.75% APY while Climate First Bank's Super Duper Savings Account pays 4.01% APY.
Note: Chime's Chime High-Yield Savings Account also needs 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? Climate First Bank pays $26 more than Chime annually ($401 vs $375).
Choose Chime 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 want a no-strings-attached account, you value in-person banking, or you want Zelle for quick transfers.
Important Considerations
Chime's Chime High-Yield Savings Account pays its top rate only if you also open a checking account with Chime, while Climate First Bank's Super Duper Savings Account stands alone.
| Metric | ChimeChime High-Yield Savings Account Sep 7, 2026 | Climate First BankSuper Duper Savings Account Sep 5, 2026 |
|---|---|---|
| APY | 3.75% | 4.01% |
Earns in a year | $5,000+$188 $10,000+$375 $25,000+$938 | $5,000+$200 $10,000+$401 $25,000+$1,002 |
Min. Deposit | $0 | $50 |
Snapshot view. Rates subject to change. | ||
| Features | FDIC InsuredNo MinimumsGreat iOS AppGreat Android AppDirect Deposit ReqChecking BundleDaily Compounding | FDIC InsuredLow MinimumsIn-Person AccessZelle® SupportedDaily CompoundingStable Rate |
Comparison Analysis
Comparing Chime vs. Climate First Bank
Executive Summary
Climate First Bank offers a higher APY of 4.01% on its Super Duper Savings Account, making it the winner in this comparison. This account does not require direct deposit and has a minimum deposit of $5,000, with no maintenance fees if electronic statements are selected. In contrast, Chime's High-Yield Savings Account provides a 3.75% APY but requires direct deposit and a checking account. While Chime boasts a better mobile app experience, Climate First Bank's product offers greater returns without additional requirements, making it a more straightforward choice for savers.
The analysis is based on current Banksparency database records
* This content is provided for informational purposes only; always verify details with the provider.
Why Chime?
- Higher rated iOS app (4.8 vs 0.0)
- Higher rated Android app (4.7 vs 0.0)
Why Climate First Bank?
- Higher potential APY (3.56%-4.01% vs 3.75%) on all balances
- No checking account or direct deposit required
- Physical branch access (3 locations in Florida (St. Petersburg, Mount Dora, Winter Park), and one coming soon in Orlando, FL)
- Offers 3 different high-yield savings options
- 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 $375/yr).
Better Returns at $25,000
Climate First BankClimate First Bank's Super Duper Savings Account pulls ahead with larger amounts (approx. $1002 vs $938/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
ChimeChime offers an iOS app rated 4.8 (vs. 0.0) and Android app rated 4.7 (vs. 0.0)
Shared Benefits
Over a 1-year period, Climate First Bank's Super Duper Savings Account pays $26 more interest on a $10,000 balance than Chime's Chime High-Yield Savings Account.
*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
Chime vs. Climate First Bank Savings Calculator
You earn $26 more with Climate First Bank than Chime 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.
Chime
Chime High-Yield Savings Account
Savings Breakdown
- Interest Earned+$375.00(3.6%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,375.00
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 $370 a year in interest.
Both Chime and Climate First Bank advertise far more than that typical branch-bank rate.
| Feature | Chime | Climate First Bank |
|---|---|---|
| APY | 3.75% Observed: 9/7/2026 Stable over 90 days | 4.01% Observed: 9/5/2026 Stable over 90 days |
| Product Name | Chime High-Yield Savings Account | 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 | Not reported | 4 (FL) |
| Direct Deposit Req. | Required | None |
| Checking Bundle | Yes | No |
| Mobile Apps | ||
| FDIC or NCUA Insured | Yes | YesVerify FDIC |
| Zelle® Support | Not Supported | Available Verified in Climate First Bank Personal app. |
| BBB Rating | A+ | A+ |
| Next Steps | Visit SiteVerify at Chime Non-sponsored link to official site | Visit SiteVerify at Climate First Bank Non-sponsored link to official site |
Compare Savings Rates Over Time
Historical Performance
| Metric | Climate First Bank |
|---|---|
| Business Money Market | |
Current APY | 4.26% |
Trend | Stable |
Speed of change | -0.03 |
Days Since Change | 151 |
7-Month High | 4.51% |
7-Month Low | 4.26% |
Changes per month | 0.15 |
Steadiness | 0.023 |
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 202-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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More Comparisons
Compare Chime's APY of 3.75% 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 Axos Bank | 4.21% | $0 |
| Climate First Bank vs Barclays | 3.65% | $0 |
| Climate First Bank vs Capital One | 3.50% | $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 | 4.00% | $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 |