Fitness Bank: Savings Accounts & Rates

Savings rates updated: 10/1/2025

Mission statement: Banksparency aims to make Fitness Bank's savings accounts transparent and comparable to those of other banks. Learn more about Banksparency.

Note: Interest rates below are reported as APY, or Annual Percentage Yield

We earn a commission if you open an account through some links on this page.

Savings Overview

Fitness Elite Checking & Fitness Savings Combo: 4.75% APY(Rank 2 of the 20 Best Savings Rates)

Minimum Deposit: $100 | Bundled Savings & Checking Account | Online Only

Fitness Savings Account: 4.45% APY(Rank 9 of the 20 Best Savings Rates)

Minimum Deposit: $100 | Online Only

National Savings Interest Rate: 0.4% (as of 9/15/2025)

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

Deposit Insurance: FDIC Cert # 29510

BBB Rating: A+

App Store Rating: 1.7/5

Google Play Rating: N/A

Website: Visit Fitness Bank

Our Take on Fitness Bank

Highlights

  • Fitness Elite Checking & Savings Combo offers a 4.75% APY.
  • A+ BBB rating indicates strong trustworthiness.
  • No direct deposit requirement for savings accounts.
  • Online-only account provides convenience for tech-savvy users.

Considerations

  • Fitness Savings Account APY decreased from 4.50% to 4.45%.
  • 1.7 App Store rating suggests poor user experience.
  • Maintenance fee of $10 applies without meeting balance requirements.
  • Complex tiered structure may confuse users.
Summary: Fitness Bank offers competitive APYs for its savings accounts, with the Fitness Elite Checking & Savings Combo at 4.75%. However, the APY for the Fitness Savings Account has slightly decreased recently. The bank has an A+ BBB rating, but its 1.7 App Store rating raises concerns about user satisfaction. Both accounts have maintenance fees unless balance requirements are met, and their tiered structures may complicate earning higher rates.

Savings Accounts: In-Depth View

Savings Accounts Offered by Fitness Bank

FeatureFitness Savings Account Fitness Elite Checking & Fitness Savings Combo
APY
4.45% (as of 10/1/2025)4.75% (as of 10/1/2025)
APY Trend-0.05% MoM/-0.10% QoQ-0.10% MoM/-0.25% QoQ
Minimum Deposit$100$100
Minimum Balance for APY$100$100
FDIC-insured
YesYes
Online OnlyYesYes
Bundled Account
NoYes
Direct Deposit Required
NoNo
Compound Frequency
DailyDaily
Maintenance Fee$10. Waived for average daily balances > $100$10. Waived for average daily balances > $100
EligibilityUnited StatesUnited States
NoteThis 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.
Sponsored Link

No deposit agreement summary available for this bank.

Calculate Savings for Fitness Bank

All calculations are based on APY.
Deposit Frequency:

Total savings breakdown:

  • Interest earned: $1,880.1 (11.84%)
  • Total contributions: $13,000 (81.86%)
  • Initial deposit: $1,000 (6.30%)

Your total balance

$15,880.10

Effective APY: 4.75% (based on your deposit and contributions)

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

MetricFitness Elite Checking & Fitness Savings ComboFitness Savings Account
Latest APY4.75 %4.45 %
TrendSidewaysSideways
Slope (bps/mo)-4.0-1.5
Rate Changes / Mo0.300.30
Days Since Last Change2828
High (-7 m)5.00 %4.55 %
Low (-7 m)4.75 %4.45 %
Draw-down from High-5.0 %-2.2 %
Volatility (CV)0.0190.008
APY Insights Glossary
Latest APY
Most recent advertised annual-percentage yield.
Trend
Direction over the last 7 months (regression slope).
Slope (bps/mo)
Average monthly change; 10 bps = 0.10 pp.
Rate Changes / Mo
Typical number of APY moves per month.
Days Since Last Change
Recency of the latest APY adjustment.
High (-7 m)
Highest APY in the last 199 days.
Low (-7 m)
Lowest APY in the last 199 days.
Draw-down from High
How far today sits below the 7-month peak.
Volatility (CV)
Coefficient of variation = stdev ÷ mean.
Why Track Savings-Account APYs?
  • See how quickly a bank reacts to Fed moves or competition.
  • Gauge “twitchiness” - frequent moves can annoy savers.
  • Spot if you're buying near a peak (draw-down) or riding a rise.
  • Slope (bps/mo) shows speed of change.
  • Volatility (CV) scales jumps by average level.

Compare Fitness Bank's Savings Accounts

  • Affirm - 3.60% APY
  • All America Bank - 1.50-3.25% APY
  • Ally Bank - 3.40% APY
  • Amalgamated Bank - 2.25% APY
  • American Express - 3.50% APY
  • Ameriprise Bank - 3.15-3.15% APY
  • Axos Bank - 4.46% APY
  • Bank5 Connect - 4.05% APY
  • Bank of America - 0.01% APY
  • Barclays - 3.90-4.10% APY
  • Bask Bank - 4.05% APY
  • Betterment - 3.75% APY
  • BMO Alto - 3.25% APY
  • Bread Savings - 4.25% APY
  • BrioDirect - 4.30% APY
  • Capital One - 3.40% APY
  • Carver Bank - 4.00% APY
  • Charles Schwab Bank - 0.15% APY
  • Chase Bank - 0.01% APY
  • Chime - 1.25-3.75% APY
  • CIBC Bank USA - 4.02% APY
  • CIT Bank - 0.25-3.85% APY
  • Citibank - 3.40% APY
  • Citizens Access™ - 3.50% APY
  • Colorado Federal Savings Bank - 4.15% APY
  • ConnectOne Bank - 3.85% APY
  • Customers Bank - 3.98% APY
  • Discover Bank - 3.40% APY
  • Elevault - 4.34% APY
  • E*TRADE from Morgan Stanley - 3.75% APY
  • EverBank - 4.05% APY
  • Evergreen Bank Group - 4.25% APY
  • First Foundation Bank - 4.10% APY
  • Flagstar Bank - 4.00% APY
  • FNBO Direct - 3.25% APY
  • Forbright Bank - 4.25% APY
  • FVCbank - 4.10% APY
  • GO2bank - 4.50% APY
  • High Plains Bank - 0.23-3.82% APY
  • Jenius Bank - 4.20% APY
  • LendingClub - 3.20-4.20% APY
  • Live Oak Bank - 4.00% APY
  • Marcus by Goldman Sachs - 3.65% APY
  • MutualOne Bank - 4.07% APY
  • My Banking Direct - 4.30% APY
  • MySavingsDirect - 3.75% APY
  • Neighbors Bank - 4.60% APY
  • Newtek Bank - 4.35% APY
  • OMB Bank - 1.00% APY
  • Openbank - 4.20% APY
  • Peak Bank - 4.20% APY
  • Pibank - 4.60% APY
  • PNC - 3.85% APY
  • Poppy Bank - 4.25% APY
  • Popular Direct - 4.10% APY
  • Presidential Bank - 4.00-4.50% APY
  • Prime Alliance Bank - 3.90% APY
  • Primis Bank - 3.85% APY
  • Quontic Bank - 3.75% APY
  • RBMAX - 3.90% APY
  • Rising Bank - 4.20% APY
  • ROGER - 3.87% APY
  • Salem Five Direct - 4.01% APY
  • Sallie Mae Bank - 3.90% APY
  • Santander Bank - 0.01% APY
  • SmartyPig - 3.90% APY
  • SoFi Bank - 4.50% APY
  • Synchrony Bank - 3.80% APY
  • TAB Bank - 3.80% APY
  • TD Bank - 0.05-3.00% APY
  • The State Exchange Bank - 4.11% APY
  • TIMBR - 4.40% APY
  • UFB Direct - 3.90-4.10% APY
  • Upgrade - 3.42% APY
  • Valley Direct - 4.10% APY
  • Varo Bank - 2.50-5.00% APY
  • Wells Fargo - 0.05-2.51% APY
  • Western Alliance Bank - 4.10% APY
  • Zynlo Bank - 4.35% APY
FeatureFitness BankSelect a bank...
ProductN/A
APY
4.75% (as of 10/1/2025)N/A
Bundled Account
YesN/A
FDIC-insured
YesN/A
Online OnlyYesN/A
Compound Frequency
DailyN/A
Minimum Deposit$100N/A
Minimum Balance for APY$100N/A
Maintenance Fee$10. Waived for average daily balances > $100N/A
Direct Deposit Required
NoN/A
NoteThis 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

Bank-to-Bank Comparisons

Compare Fitness Bank's APY of 4.75% with other banks
Bank PairCompetitor APYMin Deposit
Fitness Bank vs Ally Bank3.40%$0
Fitness Bank vs American Express3.50%$0
Fitness Bank vs Axos Bank4.46%$0
Fitness Bank vs Bank of America0.01%$100
Fitness Bank vs Barclays4.10%$0
Fitness Bank vs BrioDirect4.30%$5,000
Fitness Bank vs Capital One3.40%$0
Fitness Bank vs Chase Bank0.01%$0
Fitness Bank vs Chime3.75%$0
Fitness Bank vs CIT Bank3.85%$100
Fitness Bank vs Discover Bank3.40%$0
Fitness Bank vs Elevault4.34%$0
Fitness Bank vs EverBank4.05%$0
Fitness Bank vs FVCbank4.10%$500
Fitness Bank vs GO2bank4.50%$0
Fitness Bank vs Marcus by Goldman Sachs3.65%$0
Fitness Bank vs Neighbors Bank4.60%$0
Fitness Bank vs Newtek Bank4.35%$0
Fitness Bank vs Peak Bank4.20%$100
Fitness Bank vs Pibank4.60%$0
Fitness Bank vs Presidential Bank4.50%$5,000
Fitness Bank vs Santander Bank0.01%$25
Fitness Bank vs SoFi Bank4.50%$0
Fitness Bank vs Synchrony Bank3.80%$0
Fitness Bank vs TIMBR4.40%$1,000
Fitness Bank vs UFB Direct4.10%$5000
Fitness Bank vs Varo Bank5.00%$0
Fitness Bank vs Wells Fargo2.51%$25
Fitness Bank vs Zynlo Bank4.35%$10

Alternatives to Fitness Bank

Banks with Higher/Similar Savings APY

For a top list of the highest savings rates, see all HYSA top rates

Neighbors Bank

Neighbors Savings Account: 4.60% APY

Minimum Deposit: $0

Eligible States: Limited (see details)

My Banking Direct

High Yield Savings Account: 4.30% APY

Minimum Deposit: $500

Online Only

Elevault

High Yield Savings Account: 4.34% APY

Minimum Deposit: $0

Online Only

TIMBR

Premium Savings Account: 4.40% APY

Minimum Deposit: $1,000

Online Only

BrioDirect

High-Yield Savings Account: 4.30% APY

Minimum Deposit: $5,000

Online Only

Pibank

Pibank Savings: 4.60% APY

Minimum Deposit: $0

Online Only

Varo Bank

High-Yield Savings Account: 5.00% APY

Minimum Deposit: $0

Online Only

Direct Deposit: Min. $1,000/month

SoFi Bank

SoFi Savings: 4.50% APY

Bundled Savings & Checking Account

Minimum Deposit: $0

Online Only

GO2bank

High Yield Savings: 4.50% APY

Minimum Deposit: $0

Online Only

Newtek Bank

Personal High Yield Savings: 4.35% APY

Minimum Deposit: $0

Online Only

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.

Axos Bank

Axos ONE: 4.46% APY

Bundled Savings & Checking Account

Minimum Deposit: $0

Online Only

Summit Savings: 4.00% APY

Minimum Deposit: $0

Online Only

High Yield Savings: 0.61% APY

Minimum Deposit: $0

Online Only