Climate First Bank vs. Pibank
Pibank edges out Climate First Bank slightly at 4.10% vs 4.01% APY. On a $10,000 balance, the difference is just $9 per year, so other factors may matter more.
The Bottom Line
The Climate First Bank and Pibank savings accounts are very similar. Choose Climate First Bank if you value in-person banking, or you want Zelle for quick transfers. Choose Pibank 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 | PibankPibank Savings Sep 4, 2026 |
|---|---|---|
| APY | 4.01% | 4.10% |
Earns in a year | $5,000+$200 $10,000+$401 $25,000+$1,002 | $5,000+$205 $10,000+$410 $25,000+$1,025 |
Min. Deposit | $50 | $0 |
Snapshot view. Rates subject to change. | ||
| Features | FDIC InsuredLow MinimumsIn-Person AccessZelle® SupportedDaily CompoundingStable Rate | FDIC InsuredNo MinimumsDaily CompoundingStable Rate |
Comparison Analysis
Comparing Climate First Bank vs. Pibank
Executive Summary
Climate First Bank offers a competitive Business Money Market account with an APY of 4.26%, making it the highest-yielding product compared to Pibank's Savings account, which has an APY of 4.10%. Both accounts have no maintenance fees and are available nationally, but Climate First Bank's Business Money Market requires a checking relationship to qualify. Pibank's account, while slightly lower in yield, has no minimum deposit requirement and is available online only. Overall, Climate First Bank's Business Money Market stands out for those who meet the eligibility requirements.
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?
- 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 Pibank?
No distinct advantages found vs Climate First Bank.
Shared Benefits
Over a 1-year period, Pibank's Pibank Savings pays $9 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.
Non-sponsored link to official site
Non-sponsored link to official site
Top Market Contenders
Climate First Bank vs. Pibank Savings Calculator
You earn $9 more with Pibank 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.
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
Pibank
Pibank Savings
Savings Breakdown
- Interest Earned+$410.00(3.9%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,410.00
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 $396 a year in interest.
Both Climate First Bank and Pibank advertise far more than that typical branch-bank rate.
| Feature | Climate First Bank | Pibank |
|---|---|---|
| APY | 4.01% Observed: 9/4/2026 Stable over 90 days | 4.10% Observed: 9/4/2026 0.30%90-day change |
| Product Name | Super Duper Savings Account | Pibank Savings |
| Minimum Deposit | $50 | $0 |
| Min. Balance for APY | $0 | $0.01 |
| 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) | Not reported |
| 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 Pibank Non-sponsored link to official site |
Compare Savings Rates Over Time
Historical Performance
| Metric | Climate First Bank | Pibank | |
|---|---|---|---|
| Business Money Market | Super Duper Savings Account | Pibank Savings | |
Current APY | 4.26% | 4.01% | 4.10% |
Trend | Stable | Stable | Stable |
Speed of change | -0.03 | -0.02 | -0.06 |
Days Since Change | 148 | 189 | 63 |
9-Month High | 4.51% | 4.21% | 4.60% |
9-Month Low | 4.26% | 4.01% | 4.10% |
Changes per month | 0.11 | 0.11 | 0.21 |
Steadiness | 0.023 | 0.009 | 0.020 |
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 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 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 |