Climate First Bank vs. Marcus by Goldman Sachs
Climate First Bank's Super Duper Savings Account advertises 4.01% APY while Marcus by Goldman Sachs's Marcus Online Savings Account advertises 3.50% APY.
See how they compare on rate stability, mobile app ratings, and more below.
The Bottom Line
On a $10,000 balance, Climate First Bank's Super Duper Savings Account earns about $51 more in a year than Marcus by Goldman Sachs's Marcus Online Savings Account: $401 against $350.
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 Oct 5, 2026 | Marcus by Goldman SachsMarcus Online Savings Account Oct 5, 2026 |
|---|---|---|
| APY | 4.01% | 3.50% |
Earns in a year | $5,000+$200 $10,000+$401 $25,000+$1,002 | $5,000+$175 $10,000+$350 $25,000+$875 |
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 |
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 4.36% APY.
Comparison Analysis
Comparing Climate First Bank vs. Marcus by Goldman Sachs
Executive Summary
Climate First Bank last changed its rate on February 27, 2026, down 20 basis points. Marcus by Goldman Sachs last changed its rate on September 18, 2026, up 10 basis points. Climate First Bank paid 4.17% on average on savings and money market deposits. Its savings account offers a standard rate of 4.01%. Marcus by Goldman Sachs paid 3.6% on average on savings and money market deposits. Its savings account offers a standard rate of 3.5%. At a balance of $10,000, Climate First Bank leads with a rate of 4.01%, while Marcus by Goldman Sachs offers 3.5%.
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 (4.01% vs 3.50%) 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 $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
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 $51 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 $51 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+$350.00(3.4%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,350.00
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 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: 10/5/2026 Stable over 90 days | 3.50% Observed: 10/5/2026 0.10%90-day change |
| 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 |
| Branches | Yes | None |
| 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+ | A+ |
| 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 |
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.
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 (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.
Marcus by Goldman Sachs
The two figures answer different questions, so they sit side by side and are not combined.
In Q2 2026, Goldman Sachs Bank USA paid a higher average rate on savings and money market deposits than 99% of banks that reported a figure (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 banks that reported a figure for the quarter.
CD rates, term by term
Climate First Bank lists CDs on Banksparency at 6, 12 and 15 months. Marcus by Goldman Sachs lists CDs at 6, 7, 9, 11, 12, 13, 18, 20, 24, 36, 48, 60 and 72 months. Each row below is one term, with the best rate each bank advertises for it.
| Term | Climate First Bank APY | Marcus by Goldman Sachs APY | FDIC average (Sep 2026) |
|---|---|---|---|
| 12 months | 4.15% APY$500 minimum | 4.40% APY$500 minimum | 1.73% |
| 6 months | 4.33% APY$500 minimum | 3.95% APY$500 minimum | 1.41% |
| 7 months | Not listed here | 3.75% APY$500 minimum | 1.41%6-month average |
| 9 months | Not listed here | 4.30% APY$500 minimum | |
| 11 months | Not listed here | 4.00% APY$500 minimum | 1.73%12-month average |
| 13 months | Not listed here | 3.80% APY$500 minimum | 1.73%12-month average |
| 15 months | 2.68% APY$500 minimum | Not listed here | |
| 18 months | Not listed here | 4.40% APY$500 minimum | |
| 20 months | Not listed here | 4.35% APY$500 minimum | |
| 24 months | Not listed here | 4.40% APY$500 minimum | 1.61% |
| 36 months | Not listed here | 4.40% APY$500 minimum | 1.36% |
| 48 months | Not listed here | 4.40% APY$500 minimum | 1.28% |
| 60 months | Not listed here | 4.40% APY$500 minimum | 1.38% |
| 72 months | Not listed here | 4.40% APY$500 minimum |
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.
Climate First Bank
Impact Money Market
3.96% APY
$50,000 minimum. As observed Oct 5, 2026.
Marcus by Goldman Sachs
No money market account listed here.
The FDIC national money market average was 0.63% in Sep 2026.
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% | 3.50% |
Trend | Stable | Stable | Stable |
Speed of change | -0.03 | -0.02 | -0.02 |
Days Since Change | 179 | 220 | 17 |
10-Month High | 4.51% | 4.21% | 3.65% |
10-Month Low | 4.26% | 4.01% | 3.40% |
Changes per month | 0.10 | 0.10 | 0.29 |
Steadiness | 0.023 | 0.008 | 0.012 |
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 315-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 | 3.10% | $0 |
| Climate First Bank vs American Express | 3.10% | $0 |
| Climate First Bank vs Axos Bank | 4.21% | $0 |
| Climate First Bank vs Barclays | 3.65% | $0 |
| Climate First Bank vs Capital One | 3.10% | $0 |
| Climate First Bank vs Chime | 3.75% | $0 |
| Climate First Bank vs CIT Bank | 3.75% | $100 |
| Climate First Bank vs EverBank | 4.20% | $0 |
| Climate First Bank vs Newtek Bank | 4.20% | $100 |
| Climate First Bank vs Openbank | 4.15% | $500 |
| Climate First Bank vs Pibank | 4.25% | $0 |
| Climate First Bank vs SoFi Bank | 4.20% | $0 |
| Climate First Bank vs Synchrony Bank | 3.55% | $0 |
| Climate First Bank vs Varo Bank | 3.75% | $0 |
| Climate First Bank vs Wealthfront | 4.20% | $0 |