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: 3.56%, MMA: 3.96%

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Climate First Bank

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Climate First Bank Rates & Review September 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: September 14, 2026

Climate First Bank's 60-Months 60-Month CD rates are at 4.39%, 30-Months 30-Month CD rates are at 4.25%, 8-Months 8-Month Penalty-Free CD rates are at 4.18%, 12-Months 12-Month Penalty-Free CD rates are at 4.15%, 6-Months 6-Month Penalty-Free CD rates are at 4.07%. Climate First Bank's savings rates are at 3.56%. Climate First Bank's money market rates are at 3.96%. 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 09/14/2026.

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 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

Climate First Bank CD Rates

Product	Rate	APY	Term
60-Month CD	4.30%	4.39%	60 months
Min Deposit $500 Details No additional deposits allowed. If Principal is withdrawn before the maturity date, a penalty equal to 90 days' interest will apply. The account matures in 60 months and will automatically renew to the same term CD unless funds are withdrawn within 10 days after maturity, during which withdrawals may be made without penalty. Withdrawals will reduce earnings. Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.15%
30-Month CD	4.16%	4.25%	30 months
Min Deposit $500 Details No additional deposits allowed. If Principal is withdrawn before the maturity date, a penalty equal to 90 days' interest will apply. The account matures in 30 months and will automatically renew to the bank's standard 6-month CD unless funds are withdrawn within 10 days after maturity, during which withdrawals may be made without penalty. Withdrawals will reduce earnings. Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.15%
8-Month Penalty-Free CD	4.10%	4.18%	8 months
Min Deposit $500 Details No additional deposits allowed. No penalty for early withdrawals. The account matures in 8 months and will automatically renew for the same term unless funds are withdrawn within 10 days after maturity, during which withdrawals may be made without penalty. Withdrawals will reduce earnings. This promotional rate offer may be modified, suspended, or terminated by Climate First Bank, in whole or in part, at any time and for any reason without prior notice. Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.15%
12-Month Penalty-Free CD	4.07%	4.15%	12 months
Min Deposit $500 Details No additional deposits allowed. No penalty for early withdrawals. The account matures in 12 months and will automatically renew for the same term unless funds are withdrawn within 10 days after maturity, during which withdrawals may be made without penalty. Withdrawals will reduce earnings. This promotional rate offer may be modified, suspended, or terminated by Climate First Bank, in whole or in part, at any time and for any reason without prior notice. Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.15%
6-Month Penalty-Free CD	3.99%	4.07%	6 months
Min Deposit $500 Details No additional deposits allowed. No penalty for early withdrawals. The account matures in 6 months and will automatically renew for the same term unless funds are withdrawn within 10 days after maturity, during which withdrawals may be made without penalty. Withdrawals will reduce earnings. Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.15%
15-Month Flex CD	2.65%	2.68%	15 months
Min Deposit $500 Details You may change the interest rate one time during the term if the bank's rate for the same term Flex CD increases. Withdrawals will reduce earnings. You may make additional deposits in increments of $100, up to one-half of the initial principal balance. You may make one withdrawal of up to one-half of the initial principal balance without penalty during the term. Your account will mature in 15 months. Withdrawals of principal before maturity are subject to a penalty of 90 days' interest on amounts exceeding one-half of the initial principal balance and on any withdrawals after the first. If the funds are withdrawn within the first 90 days of account opening, the penalty may reduce principal. The rate in effect on the date of withdrawal will apply. You will have 10 days after maturity to withdraw funds without penalty. Unless withdrawn, the account will automatically renew to the bank's standard 12-month CD at the rate in effect on the renewal date. Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.15%

Climate First Bank Savings Rates

Product	Rate	APY
Super Duper Savings	3.93%	4.01%
Min Deposit $50 Details Your account is set up to receive monthly e-statements. A $5.00 paper statement fee applies if you opt for paper. Rates may change. Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.15%
Youth Savings	3.50%	3.56%
Min Deposit $25 Details Must be 17 years or younger. Account must include parent and/or guardian Contact us or visit a branch to open a Youth Savings account. E-statements are provided at no charge, and paper statements are available for a $5.00 monthly fee. Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.15%

Climate First Bank Money Market Rates

Product	Rate	APY
Business Money Market Account	-	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. If the Primary business checking relationship is not maintained, the account will earn 0.60% APY. E-statements are provided at no charge, and paper statements are available for a $10.00 monthly fee. Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.15%
Impact Money Market	3.88%	3.96%
Min Deposit $50,000 Min Balance $50,000 Details If balance falls below $49,999.99, the interest rate paid on the entire balance in the account will be 0.05% and the APY will be 0.05%. Rates accurate as of 3-09-26 and subject to change. E-statements are provided at no charge, and paper statements are available for a $5.00 monthly fee. A monthly service charge of $15.00 will be assessed if the daily minimum balance falls below $5,000.00. New Money Only: defined as funds not previously held at Climate First Bank. Last Updated 09/14/2026 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

2026 MBR Health & Safety Badge

Climate First Bank earned the Verified Healthy badge

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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.