Climate First Bank vs. SoFi Bank
Climate First Bank's Super Duper Savings Account pays 4.01% APY while SoFi Bank's SoFi Savings pays 3.80% APY.
Note: SoFi Bank requires 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 $56 more than SoFi Bank annually ($401 vs $345).
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're an Android user.
Important Considerations
SoFi Bank requires a checking account to unlock its top savings rate, while Climate First Bank offers its savings account standalone.
| Metric | Climate First BankSuper Duper Savings Account Aug 21, 2026 | SoFi BankSoFi Savings Aug 21, 2026 |
|---|---|---|
| APY | 4.01% | 3.10% - 3.80% |
Est. Earnings | $5,000+$200 $10,000+$401 $25,000+$1,002 | $5,000+$173 $10,000+$345 $25,000+$863 |
Min Deposit | $50 | $0 |
Snapshot view. Rates subject to change. | ||
Terms | - | Limited offer: The stated APY includes a temporary 0.70% APY boost for 6 months. It is available with a direct deposit of regular income, or a $10/month subscription. See terms at SoFi Bank. The savings account comes bundled with an interest-bearing checking account. |
| Features | FDIC InsuredLow MinimumsGreat iOS AppGreat Android AppIn-Person AccessZelle® SupportedDaily CompoundingStable Rate | FDIC InsuredNo MinimumsGreat iOS AppZelle® SupportedDirect Deposit ReqChecking BundleDaily CompoundingRate Changes Often |
Comparison Analysis
Comparing Climate First Bank vs. SoFi Bank
Executive Summary
A detailed summary for this comparison is being prepared. Check back soon.
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 3.80%) 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)
- ✓Higher rated Android app (4.4 vs 3.9)
- ✓Offers 3 different high-yield savings options
Why SoFi Bank?
- ✓Earn a $50 bonus with $1,000+ in direct deposits, or $300 with $5,000+.
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 $345/yr).
Better Returns at $25,000
Climate First BankClimate First Bank's Super Duper Savings Account pulls ahead with larger amounts (approx. $1002 vs $863/yr).
Best for Simplicity
Climate First BankClimate First Bank's Super Duper Savings Account offers 4.01% APY with no bundling, direct deposit requirement or caps.
Best Mobile App Experience
Climate First BankClimate First Bank offers an iOS app rated 4.9 (vs. 4.7) and Android app rated 4.4 (vs. 3.9)
Shared Benefits
Over a 1-year period, Climate First Bank's Super Duper Savings Account pays $56 more interest on a $10,000 balance than SoFi Bank's SoFi Savings.
*This comparison accounts for SoFi Bank's introductory promotional rate, yet Climate First Bank's standard rate still yields a higher 1-year return.
Non-sponsored link to official site
Non-sponsored link to official site
Top Market Contenders
Climate First Bank vs. SoFi Bank Savings Calculator
You earn $56.1 more with Climate First Bank than SoFi 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
SoFi Bank
SoFi Savings
Savings Breakdown
- Interest Earned+$344.90(3.3%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,344.90
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
Still banking with Chase, Bank of America, or Wells Fargo?
On a $10,000 balance, you're missing out on at least $344 per year in interest.
Both Climate First Bank and SoFi Bank dramatically outperform the typical 0.01% APY at traditional big banks.
| Feature | Climate First Bank | SoFi Bank |
|---|---|---|
| APY | 4.01% Verified: 8/21/2026 - | 3.80% Range: 3.10% - 3.80% Verified: 8/21/2026 - |
| Product Name | Super Duper Savings Account | SoFi Savings |
| 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 | 3 locations in Florida (St. Petersburg, Mount Dora, Winter Park), and one coming soon in Orlando, FL | N/A |
| Direct Deposit Req. | None | Required |
| Checking Bundle | No | Yes |
| Mobile Apps | ||
| FDIC or NCUA Insured | YesVerify FDIC | YesVerify FDIC |
| Zelle® Support | Available Verified in Climate First Bank Personal app. | Available Native support added in 2024 for banking members. |
| BBB Rating | A+ | A+ |
| Important Notes | - | Limited offer: The stated APY includes a temporary 0.70% APY boost for 6 months. It is available with a direct deposit of regular income, or a $10/month subscription. See terms at SoFi Bank. The savings account comes bundled with an interest-bearing checking account. |
| Next Steps | Visit SiteVerify at Climate First Bank Non-sponsored link to official site | Visit SiteVerify at SoFi Bank Non-sponsored link to official site |
📈 Compare Savings Rates Over Time
Historical Performance
| Metric | Climate First Bank | SoFi Bank | |
|---|---|---|---|
| Business Money Market | Super Duper Savings Account | SoFi Savings | |
Current APY | 4.26% | 4.01% | 3.80% |
Trend | Stable | Stable | Stable |
Velocity (bps/mo) | -3.1 | -2.3 | -6.9 |
Days Since Change | 134 | 175 | 85 |
9-Month High | 4.51% | 4.21% | 4.30% |
9-Month Low | 4.26% | 4.01% | 3.80% |
Adjustments / Mo | 0.11 | 0.11 | 0.22 |
Volatility Score | 0.023 | 0.009 | 0.040 |
How to read these metrics(Click to expand)
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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 Pibank | 4.10% | $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 |