Fitness Bank: Savings Accounts & Rates
Mission: Banksparency aims to make Fitness Bank's savings accounts transparent and comparable to the market.
Savings Overview
Fitness Elite Checking & Fitness Savings Combo
Fitness Savings Account
Looking for Simplicity?
Don't want a checking bundle? We track many high-yield banks that offer competitive rates without checking requirements.
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
- Zelle® SupportNo SupportStandard ACH or Wire transfers only.
- Deposit InsuranceFDIC Insured(Cert: 29510)
Our Take on Fitness Bank
The Good
- Competitive 4.75% APY
- Monthly fees can be waived
Considerations
- Requires opening a checking account (bundled)
- No physical branch access (online only)
- Low-rated iOS app (1.7 stars)
Fitness Bank offers a Fitness Elite Checking & Fitness Savings Combo with a competitive APY of 4.75%. This account requires the opening of a checking account and is bundled with savings. While there are no direct deposit requirements, users should note that monthly fees can be waived. However, the account is online-only and lacks physical branch access, and the iOS app has a low rating of 1.7 stars. Additionally, the account is tiered, meaning to earn the highest APY, you must meet specific criteria, including maintaining a $5,000 average balance and tracking 10,000 average daily steps.
Top Market Contenders
Savings Accounts: In-Depth View
Savings Accounts Offered by Fitness Bank
| Feature | Fitness Savings Account | Fitness Elite Checking & Fitness Savings Combo |
|---|---|---|
APY | 4.45%Verified: 1/7/2026 | 4.75%Verified: 1/7/2026 |
APY Trend | Very StableNo rate changes in last 90 days | Very StableNo rate changes in last 90 days |
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
Savings Breakdown
- Interest Earned+$1,880.10(11.8%)
- Total Contributions$13,000
- Initial Deposit$1,000
Projected Balance
$15,880.10
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 10 Months| Metric | Fitness Elite Checking & Fitness Savings Combo | Fitness Savings Account |
|---|---|---|
Latest APY | 4.75% | 4.45% |
Trend | Sideways | Sideways |
Slope (bps/mo) | -3.7 | -1.5 |
Rate Changes / Mo | 0.20 | 0.20 |
Days Since Last Change | 126 | 126 |
High (-10m) | 5.00% | 4.55% |
Low (-10m) | 4.75% | 4.45% |
Draw-down | -5.0% | -2.2% |
Volatility (CV) | 0.024 | 0.011 |
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 297-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 | 4.75%Verified: 1/7/2026 | - |
APY Trend | Very StableNo rate changes in last 90 days | - |
| 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 4.75% with other banks
Alternatives to Fitness Bank
Banks with Higher/Similar Savings APY
For a top list of the highest savings rates, see all HYSA top rates
Axos Bank
Axos ONE: 4.31% APY
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MutualOne Bank
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GO2bank
High Yield Savings: 4.50% APY
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Minimum Deposit: $0
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Climate First Bank
Super Duper Savings Account: 4.21% APY
Minimum Deposit: $50
Openbank
High-Yield Savings Account: 4.20% APY
Minimum Deposit: $500
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Varo Bank
High-Yield Savings Account: 5.00% APY
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Minimum Deposit: $0
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Neighbors Bank
Neighbors Savings Account: 4.30% APY
Minimum Deposit: $0
Eligible States: Limited (see details)
Vio Bank
Online Savings Account: 4.09% APY
Minimum Deposit: $100
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Ivy Bank
High-Yield Savings Account: 4.10% APY
Minimum Deposit: $2,500
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Eligible States: Limited (see details)
Evergreen Bank Group
High-Yield Online Savings: 4.25% APY (Inactive)
Minimum Deposit: $100
Online Only
Pibank
Pibank Savings: 4.60% APY
Minimum Deposit: $0
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TIMBR
Premium Savings Account: 4.40% APY
Minimum Deposit: $1,000
Online Only