Fitness Bank: Savings Accounts & Rates
Mission: Banksparency aims to make Fitness Bank's deposit accounts transparent and comparable to the market.
Analysis of Fitness Bank
Our verdict
Fitness Bank offers Fitness Elite Checking & Fitness Savings Combo, a high-yield savings account paying 4.05% APY with a $100 minimum deposit.
At 4.05% APY, Fitness Bank pays 11x the national savings average of 0.38%.
Additional Accounts
- Fitness Savings Account, a high-yield savings account at 3.75% APY. It does not require a linked checking account.
- Senior Fitness Savings Account, a senior savings account at 3.75% APY.
Ideal User Profile
- Best for: keeping checking and savings at one bank, earning higher rates through consistent step tracking, and banking without needing a branch.
Important Considerations
Key Differentiators
- Stands out with A+ BBB rating.
Savings Accounts Overview
Fitness Elite Checking & Fitness Savings Combo
Fitness Savings Account
Senior Fitness Savings Account
Looking for Simplicity?
Don't want a checking bundle? We track many savings and money market accounts that pay competitive rates without checking requirements.
Bank Overview
- HQ LocationCovington, GA
- 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
- Deposit InsuranceFDIC Insured(Cert: 29510)
Top Market Contenders
Savings Accounts: In-Depth View
Savings Accounts Offered by Fitness Bank
| Feature | Fitness Elite Checking & Fitness Savings Combo | Senior Fitness Savings Account | Fitness Savings Account |
|---|---|---|---|
APY | 4.05%Verified: 8/20/2026 | 3.75%Verified: 8/21/2026 | 3.75%Verified: 8/20/2026 |
APY Trend | N/A | N/A | N/A |
Min. Deposit | $100 | $100 | $100 |
Min. Balance | $100 | $100 | $100 |
Monthly Fee | $10. Waived for average daily balances > $100 | N/A | $10. Waived for average daily balances > $100 |
Direct Deposit | None | None | None |
Checking Bundle | Yes | No | No |
In-Branch Access | No | No | No |
Compounding | Daily | N/A | Daily |
FDIC Insured | Yes | Yes | Yes |
Eligibility | United States | 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 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. |
| Next Steps | - | - | - |
Interactive Tool
Calculate Savings for Fitness Bank
All calculations are based on APY.
Savings Breakdown
- Interest Earned+$1,588.70(10.2%)
- Total Contributions$13,000
- Initial Deposit$1,000
Projected Balance
$15,588.70
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 12 Months| Metric | Senior Fitness Savings Account | Fitness Savings Account | Fitness Elite Checking & Fitness Savings Combo |
|---|---|---|---|
Latest APY | 3.75% | 3.75% | 4.05% |
Trend | Falling | Sideways | Sideways |
Slope (bps/mo) | -9.5 | -3.4 | -3.6 |
Rate Changes / Mo | 0.17 | 0.33 | 0.33 |
Days Since Last Change | 50 | 50 | 50 |
High (-12m) | 4.20% | 4.50% | 4.85% |
Low (-12m) | 3.75% | 3.75% | 4.05% |
Draw-down | -10.7% | -16.7% | -16.5% |
Volatility (CV) | 0.048 | 0.021 | 0.020 |
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 363-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 | 4.05%Verified: 8/20/2026 | - |
APY Trend | N/A | - |
| Min. Deposit | $100 | N/A |
| Monthly Fee | $10. Waived for average daily balances > $100 | - |
Direct Deposit | No | - |
Checking Bundle | Yes | - |
| In-Branch Access | No | - |
| Eligibility | United States | - |
Compounding | Daily | - |
FDIC or NCUA Insured | Yes | - |
| 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. | - |
| Next Steps | - | - |
Bank-to-Bank Comparisons
Compare Fitness Bank's APY of 4.05% with other banks
| Bank Pair | Competitor APY | Min Deposit |
|---|---|---|
| Fitness Bank vs Ally Bank | 3.00% | $0 |
| Fitness Bank vs American Express | 3.00% | $0 |
| Fitness Bank vs Axos Bank | 4.21% | $0 |
| Fitness Bank vs Barclays | 3.65% | $0 |
| Fitness Bank vs Capital One | 3.50% | $0 |
| Fitness Bank vs Chime | 3.75% | $0 |
| Fitness Bank vs CIT Bank | 3.75% | $100 |
| Fitness Bank vs EverBank | 3.90% | $0 |
| Fitness Bank vs Marcus by Goldman Sachs | 3.40% | $0 |
| Fitness Bank vs Newtek Bank | 4.20% | $100 |
| Fitness Bank vs Openbank | 3.80% | $500 |
| Fitness Bank vs Pibank | 4.10% | $0 |
| Fitness Bank vs SoFi Bank | 3.80% | $0 |
| Fitness Bank vs Synchrony Bank | 3.30% | $0 |
| Fitness Bank vs Varo Bank | 3.75% | $0 |
| Fitness Bank vs Wealthfront | 3.95% | $0 |
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