Fitness Bank: Savings Accounts & Rates

Updated: 2/21/2026

Mission: Banksparency aims to make Fitness Bank's savings accounts transparent and comparable to the market.

Interest rates reported as APY

Analysis of Fitness Bank

Our verdict

Fitness Bank offers Fitness Elite Checking & Fitness Savings Combo, a high-yield savings account paying 4.50% APY with a $100 minimum deposit.

At 4.50% APY, Fitness Bank pays 12x the national average (0.39%). Ranks in the top tier of 99+ accounts tracked.

Fitness Bank also offers Fitness Savings Account at 4.20% APY — a simpler option that doesn't require a linked checking account.

Ideal User Profile

Best for: keeping checking and savings at one bank, earning higher rates through consistent step tracking, and banking without needing a branch.

Important Considerations

To earn the Fitness Elite Checking & Fitness Savings Combo top rate, you'll need a linked checking account with Fitness Bank.

Fitness Bank's savings accounts require tracking your steps with the FintessBank Step Tracker app. Ensure you meet the avg. daily step goals to earn the advertised APY.

iOS app has a low rating (1.7).

Android app rating is not available.

Key Differentiators

Stands out with A+ BBB rating.

Savings Overview

Fitness Elite Checking & Fitness Savings Combo

Top 20 Rate

4.50% APY

Rate Adjusted

-0.25%

Since 30 days ago

Min: $100 Checking Bundle Online Only

Rank #3 of 99 tracked.

This is a tiered account. To earn the highest tier you must make 15 debit card transactions per Account Period, maintain $5,000 avg. minimum balance in the Elite Checking account, track at least 10,000 avg. daily steps using the FitnessBank Step Tracker app, as well as maintain a savings balance of $100. Failure to do so will result in a lower APY. See bank for more details and all tiers.

Fitness Savings Account

Top 20 Rate

4.20% APY

Rate Adjusted

-0.25%

Since 30 days ago

Min: $100 Online Only

Rank #8 of 99 tracked.

This is a tiered account. To earn the highest tier you must track at least 12,500 avg. daily steps using the FitnessBank Step Tracker app as well as maintain a balance of $100. Failure to do so will result in a lower APY. See bank for more details and all tiers.

Looking for Simplicity?

Don't want a checking bundle? We track many high-yield banks that offer competitive rates without checking requirements.

See Simple Savings

National Avg: 0.39% (FDIC, 1/1/2026).
Banksparency tracks live rates daily.

Bank Overview

HQ LocationAtlanta, Georgia
Founded2019
AffiliationFitnessBank is a division of Affinity Bank (formerly Atlanta Business Bank). Newton Federal is also a division of Affinity Bank and the same company. Affinity Bancshares INC (Nasdaq: AFBI) serves as the holding company
Ratings & Trust
1.7iOS N/AAndroid A+BBB Not BBB Accredited
Zelle® SupportNo Support
Standard ACH or Wire transfers only.
Deposit InsuranceFDIC Insured(Cert: 29510)

Visit Official Website

Featured Offers

Axos ONE - High Yield Savings & Checking

Over 95,000 fee-free ATMs
Get paid up to 2 days early with Direct Deposit
One convenient app for spending & saving

FDIC Insured

Savings4.21%APY

Checking0.51%APY

Go to Axos Bank

Member, FDIC

View Details

Monthly Maintenance Fee	None
Min. Deposit to Savings Account	$0
Min. Balance in Savings Account	$0
How to qualify for APY	OPTION ADirect Deposit $1,500+ AND Maintain $1,500+ avg daily checking balance. OR OPTION BDeposit $5,000+ total/mo AND Maintain $5,000+ avg daily checking balance.
Mobile Ratings	iOS:4.7 Android:4.6

The 4.21% APY is available with the Axos ONE savings and checking bundle. The checking account earns 0.51% APY. To qualify, you must either set up a direct deposit of $1,500 and maintain an average daily balance of more than $1,500 in your ONE Checking account, or receive at least $5,000 in total monthly qualifying deposits and maintain an average daily balance of more than $5,000.

PREMIUM ACCOUNT, GENEROUS BONUS

SponsoredVerified Feb 21, 2026

FDIC Insured

CIT Bank - Platinum Savings

Competitive APY - with a balance of $5,000+
Earn up to $300 bonus with qualifying deposit
Highly rated mobile apps

FDIC Insured

Savings3.75%APY

Up to$300Bonus

Go to CIT Bank

Member, FDIC

View Details

Monthly Maintenance Fee	None
Min. Deposit to Savings Account	$100
Min. Balance in Savings Account	$5,000
Mobile Ratings	iOS:4.8 Android:4.7

This is a tiered savings account, where the 3.75% APY requires meeting the $5,000 balance requirement. Lower balances earn an APY of 0.25%.

EASY TRANSFERS, LOW MINIMUMS

SponsoredVerified Feb 21, 2026

FDIC Insured

Quontic High Yield Savings

Apply in 3 minutes or less
No monthly service fees
Transfer with Zelle, Apple Pay, G-Pay, and more

FDIC Insured

Savings3.50%APY

Go to Quontic Bank

Member, FDIC

View Details

Monthly Maintenance Fee	None
Min. Deposit to Savings Account	$100
Min. Balance in Savings Account	$0
Mobile Ratings	iOS:4.8 Android:4.8

Top Market Contenders

CIT Bank

3.75% APY

vs. Fitness Bank

Ally Bank

3.20% APY

vs. Fitness Bank

Marcus by Goldman Sachs

3.65% APY

vs. Fitness Bank

Popular Peer Comparisons

Barclays vs Marcus by Goldman Sachs American Express vs Marcus by Goldman Sachs EverBank vs SoFi Bank Capital One vs Discover Bank Capital One vs Marcus by Goldman Sachs SoFi Bank vs Synchrony Bank

Savings Accounts: In-Depth View

Savings Accounts Offered by Fitness Bank

Feature	Fitness Savings Account	Fitness Elite Checking & Fitness Savings Combo
APY	4.20%Verified: 2/21/2026	4.50%Verified: 2/21/2026
APY Trend	Rate Adjusted -0.25% Since 30 days ago	Rate Adjusted -0.25% Since 30 days ago
Min. Deposit	$100	$100
Min. Balance	$100	$100
Monthly Fee	$10. Waived for average daily balances > $100	$10. Waived for average daily balances > $100
Direct Deposit	None	None
Checking Bundle	No	Yes
Branch Access	None	None
Compounding	Daily	Daily
FDIC Insured	Yes	Yes
Eligibility	United States	United States
Important	This is a tiered account. To earn the highest tier you must track at least 12,500 avg. daily steps using the FitnessBank Step Tracker app as well as maintain a balance of $100. Failure to do so will result in a lower APY. See bank for more details and all tiers.	This is a tiered account. To earn the highest tier you must make 15 debit card transactions per Account Period, maintain $5,000 avg. minimum balance in the Elite Checking account, track at least 10,000 avg. daily steps using the FitnessBank Step Tracker app, as well as maintain a savings balance of $100. Failure to do so will result in a lower APY. See bank for more details and all tiers.
Next Steps	-	-

Calculate Savings for Fitness Bank

All calculations are based on APY.

Choose savings account

Initial Deposit

Recurring Deposit

Frequency

Duration

Savings Breakdown

Interest Earned
+$1,775.40(11.3%)
Total Contributions
$13,000
Initial Deposit
$1,000

Projected Balance

$15,775.40

Effective APY

4.50%

The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.

Fitness Bank Savings Rates Over Time

Historical APY Insights

Last 11 Months

Metric	Fitness Elite Checking & Fitness Savings Combo	Fitness Savings Account
Latest APY	4.50%	4.20%
Trend	Sideways	Sideways
Slope (bps/mo)	-3.9	-2.0
Rate Changes / Mo	0.26	0.26
Days Since Last Change	18	18
High (-11m)	5.00%	4.55%
Low (-11m)	4.50%	4.20%
Draw-down	-10.0%	-7.7%
Volatility (CV)	0.030	0.019

How to read these metrics▼

Trends & Velocity

Trend: The general direction of the rate over the analyzed period. Useful for spotting if a bank is currently aggressive or pulling back.
Slope (bps/mo): Speed of change. A high positive number means they raise rates quickly. 10 bps = 0.10%.
Rate Changes / Mo: "Twitchiness." High frequency means the rate changes constantly; low frequency means it's stable.

Risk & Range

High/Low: The absolute ceiling and floor of the rate during the 342-day window.
Volatility Score: Lower is better for predictability. It indicates how wildly the rate swings relative to its average.
Days Since Change: If this number is high (e.g., >90), the rate is very sticky. If low, it changed recently.

Why track this? Understanding volatility helps you avoid "bait-and-switch" rates. A steady, rising slope is ideal; high volatility often signals a temporary teaser rate.

Compare with Fitness Bank

Feature	Current View Fitness Bank	Empty Slot
Product		-
APY	4.50%Verified: 2/21/2026	-
APY Trend	Rate Adjusted -0.25% Since 30 days ago	-
Min. Deposit	$100	-
Monthly Fee	$10. Waived for average daily balances > $100	-
Direct Deposit	No	-
Checking Bundle	Yes	-
Branch Access	None	-
Eligibility	United States	-
Compounding	Daily	-
FDIC Insured	Yes	-
Note	This is a tiered account. To earn the highest tier you must make 15 debit card transactions per Account Period, maintain $5,000 avg. minimum balance in the Elite Checking account, track at least 10,000 avg. daily steps using the FitnessBank Step Tracker app, as well as maintain a savings balance of $100. Failure to do so will result in a lower APY. See bank for more details and all tiers.	-
Next Steps	-	-

Bank-to-Bank Comparisons

Compare Fitness Bank's APY of 4.50% with other banks

Bank Pair	Competitor APY	Min Deposit
Fitness Bank vs Ally Bank	3.20%	$0
Fitness Bank vs American Express	3.30%	$0
Fitness Bank vs Axos Bank	4.21%	$0
Fitness Bank vs Bank of America	0.01%	$100
Fitness Bank vs Barclays	3.85%	$0
Fitness Bank vs Capital One	3.30%	$0
Fitness Bank vs Chase Bank	0.01%	$0
Fitness Bank vs Chime	3.00%	$0
Fitness Bank vs CIT Bank	3.75%	$100
Fitness Bank vs Citibank	3.20%	$0
Fitness Bank vs Discover Bank	3.30%	$0
Fitness Bank vs EverBank	3.90%	$0
Fitness Bank vs Marcus by Goldman Sachs	3.65%	$0
Fitness Bank vs Newtek Bank	4.20%	$0.01
Fitness Bank vs Openbank	4.09%	$500
Fitness Bank vs Pibank	4.60%	$0
Fitness Bank vs SoFi Bank	4.00%	$0
Fitness Bank vs Synchrony Bank	3.50%	$0
Fitness Bank vs Varo Bank	5.00%	$0
Fitness Bank vs Wealthfront	3.95%	$0
Fitness Bank vs Wells Fargo	0.05%	$25