Fitness Bank
Last Updated: 4/1/2025
Note: Interest rates below are reported as APY, or Annual Percentage YieldQuick Views
Fitness Elite Checking & Fitness Savings Combo: 5.00% APY(Rank 1 out of 75 HYSAs)
Minimum Deposit: $100 | Bundled Savings & Checking Account | Online Only
Fitness Savings Account: 4.55% APY(Rank 8 out of 75 HYSAs)
Minimum Deposit: $100 | Online Only
National Savings Interest Rate: 0.41% (as of 3/17/2025)
Note: The FDIC tracks savings and CD rates nationally, but it does not report APY, only the average interest rate.
(Source: FDIC)Bank Overview
Location: Atlanta, Georgia
Founded: 2019
Affiliation: FitnessBank 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
App Store Rating: 1.7/5
Google Play Rating: N/A
Website: Visit Fitness Bank
Savings Accounts
Savings Accounts Offered by Fitness Bank
| Feature | Fitness Savings Account | Fitness Elite Checking & Fitness Savings Combo |
|---|---|---|
| APY | 4.55% (as of 4/1/2025) | 5.00% (as of 4/1/2025) |
| APY Trend | Stable | Stable |
| Minimum Deposit | $100 | $100 |
| Minimum Balance for APY | $100 | $100 |
| FDIC-insured | Yes | Yes |
| Online Only | Yes | Yes |
| Bundled Account | No | Yes |
| Direct Deposit Required | No | No |
| Compound Frequency | Daily | Daily |
| Maintenance Fee | $10. Waived for average daily balances > $100 | $10. Waived for average daily balances > $100 |
| Eligibility | United States | United States |
| Note | 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. |
No deposit agreement summary available for this bank. | ||
Calculate Savings for Fitness Bank
Total savings breakdown:
- Interest earned: $5 (4.76%)
- Total contributions: $0 (0.00%)
- Initial deposit: $100 (95.24%)
Your total balance
$105.00
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
| Metric | Fitness Elite Checking & Fitness Savings Combo | Fitness Savings Account |
|---|---|---|
| Highest APY | 5.00% | 4.55% |
| Lowest APY | 5.00% | 4.55% |
| Latest APY | 5.00% | 4.55% |
| Trend | Stable | Stable |
| Volatility | 0.00% | 0.00% |
Compare Fitness Bank's Savings Accounts
- Affirm - 3.85% APY
- All America Bank - 1.50-3.49% APY
- Ally Bank - 3.60% APY
- Amalgamated Bank - 2.25% APY
- American Express - 3.70% APY
- Axos Bank - 4.66% APY
- Bank5 Connect - 4.15% APY
- Bank of America - 0.01% APY
- Barclays - 4.15-4.40% APY
- Bask Bank - 4.35% APY
- Betterment - 4.00% APY
- BMO Alto - 3.70% APY
- Bread Savings - 4.40% APY
- BrioDirect - 4.50% APY
- Capital One - 3.70% APY
- Carver Bank - 4.00% APY
- Charles Schwab Bank - 0.15% APY
- Chase Bank - 0.01% APY
- Chime - 2.00-3.75% APY
- CIBC Bank USA - 4.21% APY
- CIT Bank - 0.25-4.10% APY
- Citibank - 3.70% APY
- Citizens Access™ - 3.70% APY
- Colorado Federal Savings Bank - 4.25% APY
- ConnectOne Bank - 4.00% APY
- Customers Bank - 4.23% APY
- Discover Bank - 3.70% APY
- E*TRADE from Morgan Stanley - 4.00% APY
- EverBank - 4.30% APY
- Evergreen Bank Group - 4.25% APY
- First Foundation Bank - 4.40% APY
- Flagstar Bank - 4.20% APY
- Forbright Bank - 4.25% APY
- FVCbank - 4.55% APY
- High Plains Bank - 0.23-3.82% APY
- Jenius Bank - 4.20% APY
- LendingClub - 3.40-4.40% APY
- Live Oak Bank - 4.20% APY
- Marcus by Goldman Sachs - 3.75% APY
- My Banking Direct - 4.40% APY
- MySavingsDirect - 4.10% APY
- Neighbors Bank - 4.60% APY
- Newtek Bank - 4.45% APY
- OMB Bank - 4.56% APY
- Openbank - 4.40% APY
- Peak Bank - 4.54% APY
- Pibank - 4.60% APY
- PNC - 3.95% APY
- Poppy Bank - 4.50% APY
- Popular Direct - 4.05% APY
- Presidential Bank - 4.00-4.50% APY
- Prime Alliance Bank - 4.15% APY
- Primis Bank - 4.35% APY
- Quontic Bank - 3.85% APY
- RBMAX - 4.15% APY
- Rising Bank - 4.40% APY
- ROGER - 5.00% APY
- Salem Five Direct - 4.01% APY
- Sallie Mae Bank - 3.90% APY
- Santander Bank - 0.03% APY
- SoFi Bank - 3.80% APY
- Synchrony Bank - 4.00% APY
- TAB Bank - 4.26% APY
- TD Bank - 0.05-3.51% APY
- The State Exchange Bank - 1.90% APY
- TIMBR - 4.55% APY
- UFB Direct - 4.01-4.21% APY
- Upgrade - 4.02% APY
- Valley Direct - 4.25% APY
- Varo Bank - 2.50-5.00% APY
- Western Alliance Bank - 4.25% APY
- Zynlo Bank - 4.35% APY
| Feature | Fitness Bank | Select a bank... |
|---|---|---|
| Product | N/A | |
| APY | 5.00% (as of 4/1/2025) | N/A |
| Bundled Account | Yes | N/A |
| FDIC-insured | Yes | N/A |
| Online Only | Yes | N/A |
| Compound Frequency | Daily | N/A |
| Minimum Deposit | $100 | N/A |
| Minimum Balance for APY | $100 | N/A |
| Maintenance Fee | $10. Waived for average daily balances > $100 | N/A |
| Direct Deposit Required | No | N/A |
| 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. | N/A |
Fitness Bank vs. Major Banks: Savings Accounts
Click on the items below to view the comparisons
| Feature | Fitness Bank | Bank of America | |
|---|---|---|---|
| Fitness Savings Account | Fitness Elite Checking & Fitness Savings Combo | Advantage Savings | |
| APY | 4.55% APY) (as of 4/1/2025) | 5.00% APY) (as of 4/1/2025) | 0.01% APY (as of 4/1/2025) |
| Bundled Account | No | Yes | No |
| FDIC-insured | Yes | Yes | Yes |
| Online Only | Yes | Yes | No |
| Compound Frequency | Daily | Daily | Monthly |
| Minimum Deposit | $100 | $100 | $100 |
| Minimum Balance for APY | $100 | $100 | N/A |
| Maintenance Fee | $10. Waived for average daily balances > $100 | $10. Waived for average daily balances > $100 | $8 |
| Direct Deposit Required | No | No | No |
| Eligibility | United States | United States | United States |
| Note | 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. | APY may vary by market. The monthly fee may be waived under some circumstances, such as if you maintain a minimum balance of $500, or are below the age of 25, etc. |
| Feature | Fitness Bank | Citibank | ||
|---|---|---|---|---|
| Fitness Savings Account | Fitness Elite Checking & Fitness Savings Combo | Citi® Savings Account | Citi Accelerate Savings | |
| APY | 4.55% APY) (as of 4/1/2025) | 5.00% APY) (as of 4/1/2025) | 0.03% APY (as of 4/1/2025) | 3.70% APY |
| Bundled Account | No | Yes | No | No |
| FDIC-insured | Yes | Yes | Yes | Yes |
| Online Only | Yes | Yes | No | Yes |
| Compound Frequency | Daily | Daily | Daily | Daily |
| Minimum Deposit | $100 | $100 | $0 | $0 |
| Minimum Balance for APY | $100 | $100 | $0.01 | $0.01 |
| Maintenance Fee | $10. Waived for average daily balances > $100 | $10. Waived for average daily balances > $100 | $4.50. Waived for average monthly balances > $500 | $4.50. Waived for average monthly balances > $500 |
| Direct Deposit Required | No | No | No | No |
| Eligibility | United States | United States | California, Connecticut, Maryland, Nevada, New Jersey, New York, Virginia (partial), Washington D.C., and select parts of Florida and Illinois. In addition, promotional rates may be available if requirements are met. | Alaska, Alabama, Arkansas, Arizona, Colorado, Delaware, Florida (select parts), Georgia, Hawaii, Iowa, Idaho, Illinois (select parts), Indiana, Kansas, Kentucky, Louisiana, Maine, Michigan, Minnesota, Missouri, Mississippi, Montana, North Carolina, North Dakota, Nebraska, New Hampshire, New Mexico, Ohio, Oklahoma, Oregon, Pennsylvania, Rhode Island, South Carolina, South Dakota, Tennessee, Texas, Utah, Virginia (partial), Washington (partial), Wisconsin, West Virginia, Wyoming. |
| Note | 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. | N/A | N/A |
| Feature | Fitness Bank | Chase Bank | |
|---|---|---|---|
| Fitness Savings Account | Fitness Elite Checking & Fitness Savings Combo | Chase Savings℠ | |
| APY | 4.55% APY) (as of 4/1/2025) | 5.00% APY) (as of 4/1/2025) | 0.01% APY (as of 4/1/2025) |
| Bundled Account | No | Yes | No |
| FDIC-insured | Yes | Yes | Yes |
| Online Only | Yes | Yes | No |
| Compound Frequency | Daily | Daily | Monthly |
| Minimum Deposit | $100 | $100 | $0 |
| Minimum Balance for APY | $100 | $100 | $0 |
| Maintenance Fee | $10. Waived for average daily balances > $100 | $10. Waived for average daily balances > $100 | $5 |
| Direct Deposit Required | No | No | No |
| Eligibility | United States | United States | United States |
| Note | 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. | APY may vary by market. The maintenance fee may be waived under some circumstances, such as if the account balance is maintained with at least $300 each day, or you set up automatic transfers from a linked Chase account, etc. |
| Feature | Fitness Bank | Capital One | |
|---|---|---|---|
| Fitness Savings Account | Fitness Elite Checking & Fitness Savings Combo | 360 Performance Savings | |
| APY | 4.55% APY) (as of 4/1/2025) | 5.00% APY) (as of 4/1/2025) | 3.70% APY (as of 4/1/2025) |
| Bundled Account | No | Yes | No |
| FDIC-insured | Yes | Yes | Yes |
| Online Only | Yes | Yes | No |
| Compound Frequency | Daily | Daily | Daily |
| Minimum Deposit | $100 | $100 | $0 |
| Minimum Balance for APY | $100 | $100 | $0 |
| Maintenance Fee | $10. Waived for average daily balances > $100 | $10. Waived for average daily balances > $100 | $0 |
| Direct Deposit Required | No | No | No |
| Eligibility | United States | United States | United States |
| Note | 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. | N/A |
Alternatives to Fitness Bank
Banks with Higher/Similar Savings APY
For a top list of the highest savings rates, see all HYSA top rates
Varo Bank
High-Yield Savings Account: 5.00% APY
Minimum Deposit: $0
Online Only
Direct Deposit: Min. $1,000/month
Neighbors Bank
Neighbors Savings Account: 4.60% APY
Minimum Deposit: $0
Eligible States: Limited (see details)
Pibank
Pibank Savings: 4.60% APY
Minimum Deposit: $0
Online Only
FVCbank
Advantage Direct Savings: 4.55% APY
Minimum Deposit: $500
Online Only
TIMBR
Premium Savings Account: 4.55% APY
Minimum Deposit: $1,000
Online Only
Peak Bank
Envision High Yield Savings: 4.54% APY
Minimum Deposit: $100
Online Only
Savings Accounts with Lower Minimum Deposit
For a top list of savings accounts with no/low deposits or balance minimums, see No "Fuss" Savings Accounts
Affirm
Affirm Money Account: 3.85% APY
Minimum Deposit: $0
Online Only
Ally Bank
Savings Account: 3.60% APY
Minimum Deposit: $0
Online Only
American Express
High Yield Savings Account: 3.70% APY
Minimum Deposit: $0
Online Only
Barclays
Tiered Savings: 4.40% APY
Minimum Deposit: $0
Online Only
Online Savings: 3.90% APY
Minimum Deposit: $0
Online Only
Bask Bank
Interest Savings Account: 4.35% APY
Minimum Deposit: $0
Online Only
BMO Alto
Savings Account: 3.70% APY
Minimum Deposit: $0
Online Only
Banks Offering Bundled Savings & Checking
For a top list, see Bundled High-Yield Savings & Checking Accounts
Axos Bank
Axos ONE: 4.66% APY
Bundled Savings & Checking Account
Minimum Deposit: $0
Online Only
Direct Deposit: Min. $1,500/month to ONE Checking.
High Yield Savings: 0.61% APY
Minimum Deposit: $0
Online Only
Chime
Chime Savings Account: 3.75% APY
Bundled Savings & Checking Account
Minimum Deposit: $0
Online Only
Direct Deposit: You need to receive a qualifying direct deposit of $200 or more within the preceding 34 days
OMB Bank
High Interest Online Savings Account: 4.56% APY
Minimum Deposit: $5,000
Online Only
High Interest Savings Account: 1.00% APY
Bundled Savings & Checking Account
Minimum Deposit: $25
Presidential Bank
Advantage Savings: 4.50% APY
Bundled Savings & Checking Account
Minimum Deposit: $5,000
Direct Deposit: To earn the higher APY you need a monthly direct deposit into an Advantage Checking Account of $500.
ROGER
ROGER Savings: 5.00% APY
Bundled Savings & Checking Account
Minimum Deposit: $0
Online Only
SoFi Bank
SoFi Savings: 3.80% APY
Bundled Savings & Checking Account
Minimum Deposit: $1,000
Online Only
Banks with Branch Access
For a top list, see High-Yield Savings Accounts with In-Person Access
All America Bank
Regular Savings: 1.50% APY
Minimum Deposit: $50
Super Savers MMDA: 3.49% APY
Minimum Deposit: $2,500
Amalgamated Bank
Online Savings: 2.25% APY
Minimum Deposit: $100
Bank of America
Advantage Savings: 0.01% APY
Minimum Deposit: $100
Capital One
360 Performance Savings: 3.70% APY
Minimum Deposit: $0
Charles Schwab Bank
Schwab Bank Investor Savings™: 0.15% APY
Minimum Deposit: $0
Chase Bank
Chase Savings℠: 0.01% APY
Minimum Deposit: $0