Climate First Bank vs. Marcus by Goldman Sachs
Climate First Bank's Super Duper Savings Account pays 4.01% APY while Marcus by Goldman Sachs's Marcus Online Savings Account pays 3.40% 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 $61 more than Marcus by Goldman Sachs annually ($401 vs $340).
Choose Climate First Bank if getting the best rate matters most, you value in-person banking, or you want Zelle for quick transfers. Choose Marcus by Goldman Sachs 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).
| Metric | Climate First BankSuper Duper Savings Account Sep 4, 2026 | Marcus by Goldman SachsMarcus Online Savings Account Sep 4, 2026 |
|---|---|---|
| APY | 4.01% | 3.40% |
Earns in a year | $5,000+$200 $10,000+$401 $25,000+$1,002 | $5,000+$170 $10,000+$340 $25,000+$850 |
Min. Deposit | $50 | $0 |
Snapshot view. Rates subject to change. | ||
| Features | FDIC InsuredLow MinimumsIn-Person AccessZelle® SupportedDaily CompoundingStable Rate | FDIC InsuredNo MinimumsGreat iOS AppGreat Android AppDaily CompoundingStable Rate |
Comparison Analysis
Comparing Climate First Bank vs. Marcus by Goldman Sachs
Executive Summary
Climate First Bank offers a standout Business Money Market account with a competitive APY of 4.26%, requiring a primary business checking relationship for eligibility. This account provides better returns compared to Marcus by Goldman Sachs, which has a lower APY of 3.40% for its Marcus Online Savings Account. While Climate First Bank's Super Duper Savings Account also offers a solid APY of 4.01%, it does not require bundling or direct deposit, making it a simpler option. In contrast, Marcus by Goldman Sachs provides a user-friendly online experience with a highly rated mobile app, but its savings rates are significantly lower.
The analysis is based on current Banksparency database records
* This content is provided for informational purposes only; always verify details with the provider.
Why Climate First Bank?
- Higher potential APY (3.56%-4.01% vs 3.40%) on all balances
- 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®
Why Marcus by Goldman Sachs?
- Higher rated iOS app (4.9 vs 0.0)
- Higher rated Android app (4.9 vs 0.0)
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 $340/yr).
Better Returns at $25,000
Climate First BankClimate First Bank's Super Duper Savings Account pulls ahead with larger amounts (approx. $1002 vs $850/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
Marcus by Goldman SachsMarcus by Goldman Sachs offers an iOS app rated 4.9 (vs. 0.0) and Android app rated 4.9 (vs. 0.0)
Shared Benefits
Over a 1-year period, Climate First Bank's Super Duper Savings Account pays $61 more interest on a $10,000 balance than Marcus by Goldman Sachs's Marcus Online 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
Climate First Bank vs. Marcus by Goldman Sachs Savings Calculator
You earn $61 more with Climate First Bank than Marcus by Goldman Sachs 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+$401.00(3.9%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,401.00
Marcus by Goldman Sachs
Marcus Online Savings Account
Savings Breakdown
- Interest Earned+$340.00(3.3%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,340.00
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 $335 a year in interest.
Both Climate First Bank and Marcus by Goldman Sachs advertise far more than that typical branch-bank rate.
| Feature | Climate First Bank | Marcus by Goldman Sachs |
|---|---|---|
| APY | 4.01% Observed: 9/4/2026 Stable over 90 days | 3.40% Observed: 9/4/2026 Stable over 90 days |
| Product Name | Super Duper Savings Account | Marcus Online Savings Account |
| Minimum Deposit | $50 | $0 |
| Min. Balance for APY | $0 | $0 |
| Monthly Fee | $0, if electronic statements selected, otherwise $5 | $0 |
| Compound Frequency | daily | Daily |
| In-Branch Access | Yes | No |
| Account Type | Online & Branches | Online Only |
| Physical Branches | 4 (FL) | 5 (MA, NJ, NY, UT) |
| Direct Deposit Req. | None | None |
| Checking Bundle | No | No |
| Mobile Apps | ||
| FDIC or NCUA Insured | YesVerify FDIC | YesVerify FDIC |
| Zelle® Support | Available Verified in Climate First Bank Personal app. | Not Supported |
| BBB Rating | A+ | Not Rated |
| Next Steps | Visit SiteVerify at Climate First Bank Non-sponsored link to official site | Visit SiteVerify at Marcus by Goldman Sachs Non-sponsored link to official site |
Compare Savings Rates Over Time
Historical Performance
| Metric | Climate First Bank | Marcus by Goldman Sachs | |
|---|---|---|---|
| Business Money Market | Super Duper Savings Account | Marcus Online Savings Account | |
Current APY | 4.26% | 4.01% | 3.40% |
Trend | Stable | Stable | Stable |
Speed of change | -0.03 | -0.02 | -0.03 |
Days Since Change | 148 | 189 | 93 |
9-Month High | 4.51% | 4.21% | 3.65% |
9-Month Low | 4.26% | 4.01% | 3.40% |
Changes per month | 0.11 | 0.11 | 0.21 |
Steadiness | 0.023 | 0.009 | 0.013 |
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 283-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 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 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 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 |