Fitness Bank
Last Updated: 6/20/2025
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 74 tracked HYSAs)
Fitness Savings Account: 4.55% APY(Rank 7 out of 74 tracked HYSAs)
National Savings Interest Rate: 0.42% (as of 5/19/2025)
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
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 5.00% for Fitness Elite Checking & Savings Combo account.
- A+ BBB rating indicates strong trustworthiness.
- No direct deposit requirement for account openings.
- Online-only account offers convenience.
Considerations
- App Store rating is low at 1.7.
- Google Play rating is 0.0, indicating poor user experience.
- Maintenance fee of $10 unless balance requirements are met.
- High APY requires specific activity tracking and balance maintenance.
Savings Accounts
Savings Accounts Offered by Fitness Bank
Feature | Fitness Savings Account | Fitness Elite Checking & Fitness Savings Combo |
---|---|---|
APY | 4.55% (as of 6/20/2025) | 5.00% (as of 6/20/2025) |
APY Trend | Stable for the last month | Stable for the last month |
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 |
---|---|---|
Latest APY | 5.00 % | 4.55 % |
Trend | Sideways | Sideways |
Slope (bps/mo) | 0.0 | 0.0 |
Rate Changes / Mo | 0.00 | 0.00 |
Days Since Last Change | 96 | 96 |
High (-3 m) | 5.00 % | 4.55 % |
Low (-3 m) | 5.00 % | 4.55 % |
Draw-down from High | 0.0 % | 0.0 % |
Volatility (CV) | 0.000 | 0.000 |
APY Insights Glossary
- Latest APY
- Most recent advertised annual-percentage yield.
- Trend
- Direction over the last 3 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 (-3 m)
- Highest APY in the last 97 days.
- Low (-3 m)
- Lowest APY in the last 97 days.
- Draw-down from High
- How far today sits below the 3-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 - 3.60% APY
- Axos Bank - 4.66% 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 - 3.60% APY
- Bread Savings - 4.30% APY
- BrioDirect - 4.30% APY
- Capital One - 3.60% 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 - 4.11% APY
- CIT Bank - 0.25-4.00% APY
- Citibank - 3.60% 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 - 3.60% 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
- Forbright Bank - 4.25% APY
- FVCbank - 4.35% APY
- High Plains Bank - 0.23-3.82% APY
- Jenius Bank - 4.20% APY
- LendingClub - 3.40-4.40% 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 - 4.30% APY
- Peak Bank - 4.44% 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 - 4.35% APY
- Quontic Bank - 3.85% APY
- RBMAX - 4.15% APY
- Rising Bank - 4.30% APY
- ROGER - 4.65% 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 - 4.26% APY
- TD Bank - 0.05-3.00% APY
- The State Exchange Bank - 1.90% APY
- TIMBR - 4.40% APY
- UFB Direct - 4.01-4.21% APY
- Upgrade - 4.02% APY
- Valley Direct - 4.20% APY
- Varo Bank - 2.50-5.00% APY
- Western Alliance Bank - 4.30% APY
- Zynlo Bank - 4.35% APY
Feature | Fitness Bank | Select a bank... |
---|---|---|
Product | N/A | |
APY | 5.00% (as of 6/20/2025) | 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 5.00% with other banks
Bank Pair | Best APY | Min Deposit |
---|---|---|
Fitness Bank vs Ally Bank | 3.50% | $0 |
Fitness Bank vs American Express | 3.60% | $0 |
Fitness Bank vs Axos Bank | 4.66% | $0 |
Fitness Bank vs Bank of America | 0.01% | $100 |
Fitness Bank vs Barclays | 4.10% | $0 |
Fitness Bank vs Capital One | 3.60% | $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 | 3.60% | $0 |
Fitness Bank vs Marcus by Goldman Sachs | 3.65% | $0 |
Fitness Bank vs SoFi Bank | 3.80% | $0 |
Fitness Bank vs Synchrony Bank | 3.80% | $0 |
Fitness Bank vs Varo Bank | 5.00% | $0 |