FDIC-Insured-Backed by the full faith and credit of the U.S. Government
FDIC-Insured-Backed by the full faith and credit of the U.S. Government
Super Duper Savings
Earn 10x the national average and make a bigger impact2
Don’t settle for average. Make your money work harder for you and your values.
See how your Super Duper Savings deposit could grow—and help reduce the carbon footprint of your banking.
Powered by Topo Finance
With Climate First Bank
Super Duper Savings1
Earnings after one year
$XXX
Reduced banking emissions (Tons CO2e per year)3
—
Compared to an average Wall Street bank
Moving your savings deposit to Climate First Bank each year is equivalent to:3
—
miles driven by an average gasoline powered vehicle
—
acres of U.S. forests preserved in a year
—
homes switching to residential solar power vs. traditional grid electricity
The PCAF methodology for financial institutions was used to calculate the majority of the results for Climate First Bank (CFB). This means calculating the scope 3 emissions (Category 15), indirectly arising from CFB’s lending to customers (scope 1 and 2). In the case of CFB’s real estate, the most detailed calculations were completed using transaction-level information. CFB commercial lending was estimated using an external state-level emission factor and a portfolio lookthrough (geography and sector) to validate results.
The Wall Street bank’s estimates are based on the banks’ externally published emissions data where available. Further details about the approach can be found on the Topo Finance website. Where there were gaps in externally reported coverage (e.g. compared to the total loan portfolio), sector and geographic emissions factors were applied. Those were sourced from the Comprehensive Environmental Data Archive (CEDA by Watershed). Those calculations followed a PCAF-style methodology.
For the comparatives, a set of external sources were used (e.g. EPA).
Emission factors were sourced from PCAF, CEDA by Watershed, EPA, EIA and from the own disclosures of financial institutions.
The data covers the fiscal year 2025 (January 1 – December 31, 2025). In some cases (e.g. emissions factors, comparatives) there is a time lag, and the information used was the most recent and consistent information available as at April 2026.
Calculator results are hypothetical and provided for illustrative purposes only. They are not a guarantee of future earnings or environmental impact. Actual rates, earnings, and impact outcomes will vary.
Climate First Bank is redefining banking as the nation’s first FDIC-insured, climate-focused community bank. Founded to help combat the climate crisis, we have become the fastest-growing new bank in America since 2009.
Banking with Climate First Bank helps scale clean energy, reduce emissions, and support local communities. Earn a competitive return with the confidence that your money is doing more—for you and the planet.
Learn More About Our Impact1. Your account is set up to receive monthly e-statements. A $5.00 paper statement fee applies if you opt for paper. The interest rate is 3.93% with an annual percentage yield (APY) of 4.01%, accurate as of 2-25-26. Rates may change. Minimum opening deposit: $50.00. No minimum balance required to earn interest. Fees may reduce earnings.
2. National average savings rate is .38% (National Rates and Rate Caps – October 2026 | FDIC.gov).
3. Reduced banking emissions show the estimated annual financed-emissions difference between deposits held at Climate First Bank and an average Wall Street bank, expressed in tons of CO2e per year. Real-world equivalencies are based on financed-emissions estimates verified by TOPO Finance and scale with the amount entered. Learn more about our methodology.
*Savings accounts are not eligible for Bill Payment or External Account-to-Account (A2A) transfers. To utilize these services, please open a related checking account.