What are the current interest rates at Climate First Bank?

Current rates for Climate First Bank include: 12-Month CD: 4.15%, 60-Month CD: 4.39%, Savings: 4.01%, MMA: 4.26%

☰

Survey Results We asked readers after the Fed’s Sept. 16 hike: 50% of savers say their bank still has not raised their rate since the Fed funds rate increase. See the full results

Home›
Banks›
Climate First Bank

iAdvertiser Disclosure

Climate First Bank Rates & Review October 2026

Q: How many branches does Climate First Bank operate?

Climate First Bank currently maintains approximately 4 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Q: Is there a first-time homebuyer program?

Currently, Climate First Bank does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Climate First Bank provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 11, 2026

Climate First Bank's top rates as of October 11, 2026 are 4.39% APY on its 60-Month CD, 4.01% APY on savings, 4.26% APY on money market accounts, and 3.26% APY on checking, according to rates verified by MonitorBankRates. Other Climate First Bank CD rates include 6-Month Penalty-Free CD at 4.33%, 30-Month CD at 4.25%, and 12-Month Penalty-Free CD at 4.15%. MonitorBankRates evaluates the financial stability of Climate First Bank with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 1.15%. Rates last updated and verified on 10/11/2026.

Climate First Bank money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Climate First Bank? Share your experience about Climate First Bank by leaving a review below, or read customer reviews before you decide to use Climate First Bank.

Verified Healthy Q2 2026 Use This Badge on Your Bank Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 99/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

1.15%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

Climate First Bank

182 37th Ave N
Saint Petersburg, FL 33704

https://www.climatefirstbank.com

Customer Reviews

Be the first to review

Write a Review

Financial health data as of Q2 2026 (FDIC call report for the quarter ended June 30, 2026). This is the most recent call report available. The FDIC publishes bank call reports about eight weeks after each quarter ends.

Climate First Bank CD Rates

Product	Rate	APY	Term
60-Month CD	-	4.39%	60-Month
Min Deposit $500 Details 90 days interest penalty for early withdrawal Last Updated 10/11/2026 Rate History No change since Sep 14, 2026 · 4.39% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.15%
6-Month Penalty-Free CD	-	4.33%	6-Month
Min Deposit $500 Details No penalty for early withdrawals Last Updated 10/11/2026 Rate History 1 change since Sep 14, 2026 · 4.07% → 4.33% ▲ 0.26 pts · high 4.33% / low 4.07% Sep 24, 20264.33%▲ from 4.07% Sep 14, 20264.07%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.15%
30-Month CD	-	4.25%	30-Month
Min Deposit $500 Details 90 days interest penalty for early withdrawal Last Updated 10/11/2026 Rate History No change since Sep 14, 2026 · 4.25% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.15%
12-Month Penalty-Free CD	-	4.15%	12-Month
Min Deposit $500 Details No penalty for early withdrawals Last Updated 10/11/2026 Rate History No change since Sep 14, 2026 · 4.15% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.15%
15-Month Flex CD	-	2.68%	15-Month
Min Deposit $500 Min Balance $500 Details Flexible CD with rate increase option. Increase rate once if bank rate rises. Add deposits up to half initial principal. One penalty-free withdrawal up to half principal. Last Updated 10/11/2026 Rate History No change since Sep 27, 2026 · 2.68% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.15%

Climate First Bank Savings Rates

Product	Rate	APY
Super Duper Savings	-	4.01%
Min Deposit $50 Last Updated 10/11/2026 Rate History No change since Sep 14, 2026 · 4.01% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.15%
Youth Savings	-	3.56%
Details Must be 17 years or younger; account must include parent and/or guardian Last Updated 10/11/2026 Rate History No change since Sep 14, 2026 · 3.56% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.15%

Climate First Bank Money Market Rates

Product	Rate	APY	View More
Impact Money Market	-	3.96%
Min Balance $50,000 Details Best for balances $50,000 or more! Last Updated 10/11/2026 Rate History No change since Sep 24, 2026 · 3.96% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.15%

Climate First Bank Business Money Market Rates

Product	Rate	APY	View More
Business Money Market	-	4.26%
Min Deposit $50 Details To qualify for the advertised APY, account holder must maintain their primary business checking relationship with Climate First Bank. Primary means the account is used for normal business operations, including receiving customer payments and paying payroll, vendors, and other operating expenses. If the Primary business checking relationship is not maintained, the account will earn 0.60% APY. Last Updated 10/11/2026 Rate History No change since Sep 24, 2026 · 4.26% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.15%

Climate First Bank Checking Rates

Product	Rate	APY	View More
Impact Checking	-	3.26%
Details We donate $100 to an eligible nonprofit you choose Last Updated 10/11/2026 Rate History No change since Sep 24, 2026 · 3.26% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.15%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Financial Health History

Climate First Bank’s Texas Ratio rose from 0.00% in Q3 2023 to 1.15% in Q2 2026, so its financial health has stayed very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier — this bank’s entire history sits far below the 15% threshold for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
June 30, 2026	$1.9B	1.15%	5.0	A+
March 31, 2026	$1.8B	0.27%	5.0	A+
December 31, 2025	$1.6B	0.00%	5.0	A+
September 30, 2025	$1.4B	0.00%	5.0	A+
June 30, 2025	$1.2B	0.00%	5.0	A+
March 31, 2025	$1.0B	0.00%	5.0	A+
December 31, 2024	$889M	0.00%	5.0	A+
September 30, 2024	$858M	0.00%	5.0	A+
June 30, 2024	$688M	0.00%	5.0	A+
March 31, 2024	$613M	0.00%	5.0	A+
December 31, 2023	$542M	0.00%	5.0	A+
September 30, 2023	$464M	0.00%	5.0	A+

Source: FDIC call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating: Our rating for Climate First Bank is derived from comprehensive financial data published quarterly by the FDIC. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with customer feedback (user reviews) to help you make informed banking decisions.

Texas Ratio: We calculate the Texas Ratio using standard industry methodology. This ratio compares the bank's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation: We gather Climate First Bank rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with Climate First Bank's official website for the most current offers and terms.

Bank Profile & Overview

Institution Name Climate First Bank

Bank Holding Company CLIMATE FIRST BCORP INC

Address 182 37th Ave N, Saint Petersburg, FL 33704 · Pinellas

Website https://www.climatefirstbank.com

FDIC Certificate # 59257

Established 20210601

FDIC Insurance Date 20210601

Domestic Offices 3

Total Branches 4

Regulator FDIC

FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

A+

Overall Health Grade Score: 99/100

5.0

Exceptional Out of 5.0 Stars

1.15%

Texas Ratio Nat'l avg: 5.85%

Return on Assets (ROA) 1.2218%

Return on Equity (ROE) 13.4200%

Non-Performing Loans (NPL) 0.11%

Total Assets $1,941,915,000

Total Deposits $1,547,996,000

Equity Capital $178,276,000

Net Income $10,829,000

Headquarters Saint Petersburg

Total Branches and Offices 3

Source: FDIC | Last Updated 06/30/2026

Q2 2026 MBR Health & Safety Badge

Climate First Bank earned the Verified Healthy badge

Display this badge on your website to show visitors your Q2 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates, so there is no need to download or upload anything. Badges are re-tested every quarter; when a new quarter is published, come back to this page for the updated code.

<a href="https://monitorbankrates.com/banks/climate-first-bank-rates-review-59257">
  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-c-2026-q2.svg"
       alt="MonitorBankRates Verified Healthy Badge Q2 2026"
       width="160" height="160">
</a>

Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

There are no reviews for Climate First Bank yet. Feel free to create one below.

Looking for more bank and credit union reviews? Visit our Community Reviews hub to read what other members are saying, ask questions, and join the conversation.

Average Rating

☆☆☆☆☆

Total Reviews

Add Your Rating and Review for Climate First Bank

Frequently Asked Questions About Climate First Bank

How many branches does Climate First Bank operate?

Climate First Bank currently maintains approximately 4 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is there a first-time homebuyer program?

Currently, Climate First Bank does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, Climate First Bank provides members with tools to manage their accounts and build a solid financial history.

Does Climate First Bank offer online and mobile banking?

Most modern institutions like Climate First Bank provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.climatefirstbank.com.