Fitness Bank: Savings Accounts & Rates

Savings rates updated: 8/15/2025

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: 4.85% APY(Rank 2 of the 20 Best Savings Rates)

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

Fitness Savings Account: 4.50% APY(Rank 6 of the 20 Best Savings Rates)

Minimum Deposit: $100 | Online Only

National Savings Interest Rate: 0.38% (as of 7/21/2025)

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

Current APY of 4.85% for Fitness Elite Checking & Savings Combo
A+ BBB rating indicates strong trustworthiness
No direct deposit requirement for account opening
Maintenance fee waived with average daily balance > $100

Considerations

App Store rating of 1.7 suggests poor user satisfaction
Google Play rating is 0.0, indicating no user feedback
High APY requires tracking daily steps and maintaining balances
Maintenance fee of $10 can apply if balance requirements aren't met

Summary: Fitness Bank offers competitive APYs, with the highest at 4.85% for the Fitness Elite Checking & Savings Combo. However, users may face challenges due to the app's low ratings and complex tiered requirements for earning the highest APY. The bank has an A+ BBB rating, reflecting its reliability. Maintenance fees can be waived with sufficient balances, but users must meet specific criteria to avoid penalties.

Savings Accounts: In-Depth View

Savings Accounts Offered by Fitness Bank

Feature	Fitness Savings Account	Fitness Elite Checking & Fitness Savings Combo
APY	4.50% (as of 8/15/2025)	4.85% (as of 8/15/2025)
APY Trend	-0.05% MoM	-0.15% MoM
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.
Sponsored Link
No deposit agreement summary available for this bank.

Calculate Savings for Fitness Bank

All calculations are based on APY.

Choose savings account:

Initial Deposit:

Recurring Deposit Amount:

Deposit Frequency:

Duration:

Total savings breakdown:

Interest earned: $1,922.1 (12.07%)
Total contributions: $13,000 (81.65%)
Initial deposit: $1,000 (6.28%)

Your total balance

$15,922.10

Effective APY: 4.85% (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

Metric	Fitness Elite Checking & Fitness Savings Combo	Fitness Savings Account
Latest APY	4.85 %	4.50 %
Trend	Sideways	Sideways
Slope (bps/mo)	-1.6	-0.5
Rate Changes / Mo	0.20	0.20
Days Since Last Change	15	15
High (-5 m)	5.00 %	4.55 %
Low (-5 m)	4.85 %	4.50 %
Draw-down from High	-3.0 %	-1.1 %
Volatility (CV)	0.009	0.003

APY Insights Glossary

Latest APY: Most recent advertised annual-percentage yield.
Trend: Direction over the last 5 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 (-5 m): Highest APY in the last 153 days.
Low (-5 m): Lowest APY in the last 153 days.
Draw-down from High: How far today sits below the 5-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 - 3.85% APY
All America Bank - 1.50-3.25% APY
Ally Bank - 3.50% 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 - 4.20% APY
Betterment - 4.00% APY
BMO Alto - 3.50% APY
Bread Savings - 4.25% APY
BrioDirect - 4.30% APY
Capital One - 3.50% 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 - 0.25-4.00% APY
Citibank - 3.50% APY
Citizens Access™ - 3.50% APY
Colorado Federal Savings Bank - 4.15% APY
ConnectOne Bank - 4.00% APY
Customers Bank - 4.23% APY
Discover Bank - 3.50% APY
Elevault - 4.60% APY
E*TRADE from Morgan Stanley - 4.00% APY
EverBank - 4.30% APY
Evergreen Bank Group - 4.25% APY
First Foundation Bank - 4.25% APY
Flagstar Bank - 4.00% APY
FNBO Direct - 3.25% APY
Forbright Bank - 4.25% APY
FVCbank - 4.35% 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 - 4.10% APY
Marcus by Goldman Sachs - 3.65% 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 - 4.35% APY
Pibank - 4.60% APY
PNC - 3.95% APY
Poppy Bank - 4.25% APY
Popular Direct - 4.05% APY
Presidential Bank - 4.00-4.50% APY
Prime Alliance Bank - 4.05% APY
Primis Bank - 4.20% APY
Quontic Bank - 3.75% APY
RBMAX - 4.15% APY
Rising Bank - 4.30% APY
ROGER - 4.12% 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 - 3.80% APY
TAB Bank - 4.15% APY
TD Bank - 0.05-3.00% APY
The State Exchange Bank - 3.05% APY
TIMBR - 4.40% APY
UFB Direct - 4.01-4.21% APY
Upgrade - 4.02% APY
Valley Direct - 4.30% APY
Varo Bank - 2.50-5.00% APY
Wells Fargo - 0.05-2.51% APY
Western Alliance Bank - 4.30% APY
Zynlo Bank - 4.35% APY

Feature	Fitness Bank	Select a bank...
Product		N/A
APY	4.85% (as of 8/15/2025)	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

Bank-to-Bank Comparisons

Compare Fitness Bank's APY of 4.85% with other banks

Bank Pair	Best APY	Min Deposit
Fitness Bank vs Ally Bank	3.50%	$0
Fitness Bank vs American Express	3.50%	$0
Fitness Bank vs Axos Bank	4.46%	$0
Fitness Bank vs Bank of America	0.01%	$100
Fitness Bank vs Barclays	4.10%	$0
Fitness Bank vs Capital One	3.50%	$0
Fitness Bank vs Chase Bank	0.01%	$0
Fitness Bank vs Chime	3.75%	$0
Fitness Bank vs CIT Bank	4.00%	$100
Fitness Bank vs Discover Bank	3.50%	$0
Fitness Bank vs Marcus by Goldman Sachs	3.65%	$0
Fitness Bank vs Presidential Bank	4.50%	$5,000
Fitness Bank vs SoFi Bank	3.80%	$0
Fitness Bank vs Synchrony Bank	3.80%	$0
Fitness Bank vs UFB Direct	4.21%	$5000
Fitness Bank vs Varo Bank	5.00%	$0
Fitness Bank vs Wells Fargo	2.51%	$25