Affirm vs. Fitness Bank
Compare rates, requirements, and features side-by-side to find the best option for you.
Affirm
Affirm Money Account
3.60%APYDec 10, 2025FDIC InsuredNo MinimumsGreat iOS AppGreat Android AppShow Fine Print & Trends Hide Details
Affirm
Affirm Money Account
Fitness Bank
Fitness Elite Checking & Fitness Savings Combo
4.75%APYDec 10, 2025FDIC InsuredChecking BundleLow MinimumsShow Fine Print & Trends Hide Details
Fitness Bank
Fitness Elite Checking & Fitness Savings Combo
Prefer In-Person Banking?
Both of these banks are online-only. If you need physical branch access, check out our list of high-yield accounts with brick-and-mortar locations.
Affirm vs. Fitness Bank Savings Calculator
Fitness Bank earns $746.9 more than Affirm.
Affirm
Affirm Money Account
Savings Breakdown
- Interest Earned+$2,177.80(10.8%)
- Total Contributions$13,000
- Initial Deposit$5,000
Projected Balance
$20,177.80
Fitness Bank
Fitness Elite Checking & Fitness Savings Combo
Savings Breakdown
- Interest Earned+$2,924.70(14.0%)
- Total Contributions$13,000
- Initial Deposit$5,000
Projected Balance
$20,924.70
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
Comparison Analysis
Comparing Affirm vs. Fitness Bank
Why Affirm?
- ✓Higher rated iOS app (4.9 vs 1.7)
- ✓Higher rated Android app (4.8 vs 0.0)
Why Fitness Bank?
- ✓Higher potential APY (4.45%-4.75% vs 3.60%) on all balances
- ✓Offers 2 different high-yield savings options
— Key Feature Differences —
Better Returns at $10,000
Fitness BankFitness Bank's Fitness Elite Checking & Fitness Savings Combo earns more on smaller deposits (approx. $475 vs $360/yr).
Better Returns at $25,000
Fitness BankFitness Bank's Fitness Elite Checking & Fitness Savings Combo pulls ahead with larger amounts (approx. $1188 vs $900/yr).
Best for Simplicity
Fitness BankFitness Bank's Fitness Savings Account offers 4.45% APY with no bundling, direct deposit requirement or caps.
Best for All-in-One Banking
Fitness BankFitness Bank's Fitness Elite Checking & Fitness Savings Combo pays a superior APY for customers who also open a checking account.
Best Mobile App Experience
AffirmAffirm offers an iOS app rated 4.9 (vs. 1.7) and Android app rated 4.8 (vs. 0.0)
Shared Benefits
Over a 1-year period, Fitness Bank's Fitness Elite Checking & Fitness Savings Combo pays $115 more interest on a $10,000 balance than Affirm's Affirm Money Account.
*This calculation assumes current rates remain consistent for 1 year and does not include temporary bonuses.
Executive Summary
Fitness Bank offers the highest APY of 4.75% through its Fitness Elite Checking & Fitness Savings Combo, which requires maintaining a $5,000 average balance and completing 15 debit card transactions per account period, along with tracking daily steps. Alternatively, the Fitness Savings Account provides a simpler option with a 4.45% APY and no bundling or direct deposit requirements, but it necessitates a minimum deposit and balance of $100. In comparison, Affirm features the Affirm Money Account with a 3.60% APY and no minimum deposit or balance requirements, although it is an online-only account. While Affirm excels in mobile app experience, Fitness Bank stands out for higher returns.
Analysis generated based on current Banksparency database records
* AI-generated content provided for informational purposes only. Accuracy is not guaranteed; always verify details with the provider.
| Feature | Affirm | Fitness Bank |
|---|---|---|
| APY | 3.60% Verified: 12/10/2025 ↘︎ 0.25%90d Change | 4.75% Verified: 12/10/2025 Stable (90d) |
| Product Name | Affirm Money Account | Fitness Elite Checking & Fitness Savings Combo |
| Minimum Deposit | $0 | $100 |
| Min. Balance for APY | $0 | $100 |
| Monthly Fee | $0 | $10. Waived for average daily balances > $100 |
| Branch Access | None | None |
| Account Type | Online Only | Online Only |
| Direct Deposit Req. | None | None |
| Checking Bundle | No | Yes |
| Mobile Apps | iOS4.9 Android4.8 | iOS1.7 Android0.0 |
| BBB Rating | A+ | A+ |
| Important Notes | While Affirm is not a bank, it is FDIC-insured through partner Cross River Bank. | 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 |
📈 Compare Savings Rates Over Time
Historical Performance
| Metric | Affirm | Fitness Bank | |
|---|---|---|---|
| Affirm Money Account | Fitness Elite Checking & Fitness Savings Combo | Fitness Savings Account | |
Current APY | 3.60% | 4.75% | 4.45% |
Trend | Stable | Stable | Stable |
Velocity (bps/mo) | -3.5 | -4.0 | -1.6 |
Days Since Change | 75 | 98 | 98 |
9-Month High | 3.85% | 5.00% | 4.55% |
9-Month Low | 3.60% | 4.75% | 4.45% |
Adjustments / Mo | 0.11 | 0.22 | 0.22 |
Volatility Score | 0.031 | 0.024 | 0.010 |
How to read these metrics(Click to expand)
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