Fitness Bank

Last Updated: 7/1/2025

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

Quick Views

Fitness Elite Checking & Fitness Savings Combo: 5.00% APY(Rank 1 out of 76 tracked HYSAs)

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

Fitness Savings Account: 4.55% APY(Rank 7 out of 76 tracked HYSAs)

Minimum Deposit: $100 | Online Only

National Savings Interest Rate: 0.38% (as of 6/16/2025)

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

  • Highest APY of 5.00% for the Fitness Elite Checking & Savings Combo account.
  • A+ BBB rating indicates strong trustworthiness.
  • No branch locations, allowing for potentially lower fees.
  • No direct deposit requirement for savings accounts.

Considerations

  • App Store rating of 1.7 and Google Play rating of 0.0 indicate poor user experience.
  • Maintenance fee of $10 unless balance conditions are met.
  • Complex tiered requirements to earn highest APY.
  • Online-only bank may limit access for some customers.
Summary: Fitness Bank offers competitive savings account options with APYs up to 5.00% for the Fitness Elite Checking & Savings Combo account. While it has an A+ BBB rating for trustworthiness, poor app ratings may deter potential customers. The bank operates online only, which could be inconvenient for those preferring in-person banking. Additionally, maintenance fees apply unless minimum balance requirements are met, and the tiered structure complicates earning the highest interest rates.

Savings Accounts

Savings Accounts Offered by Fitness Bank

FeatureFitness Savings AccountFitness Elite Checking & Fitness Savings Combo
APY
4.55% (as of 7/1/2025)5.00% (as of 7/1/2025)
APY TrendStable for the last monthStable for the last month
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.

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: $5 (4.76%)
  • Total contributions: $0 (0.00%)
  • Initial deposit: $100 (95.24%)

Your total balance

$105.00

Effective APY: 5.00% (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 APY5.00 %4.55 %
TrendSidewaysSideways
Slope (bps/mo)0.0-0.0
Rate Changes / Mo0.000.00
Days Since Last Change106106
High (-4 m)5.00 %4.55 %
Low (-4 m)5.00 %4.55 %
Draw-down from High0.0 %0.0 %
Volatility (CV)0.0000.000
APY Insights Glossary
Latest APY
Most recent advertised annual-percentage yield.
Trend
Direction over the last 4 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 (-4 m)
Highest APY in the last 107 days.
Low (-4 m)
Lowest APY in the last 107 days.
Draw-down from High
How far today sits below the 4-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
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  • 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 - 3.50% 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 - 4.11% 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 - 3.50% 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
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  • 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 - 3.75% 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 - 4.15% 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
FeatureFitness BankSelect a bank...
ProductN/A
APY
5.00% (as of 7/1/2025)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 5.00% with other banks