Axos Bank vs. Fitness Bank
High-Yield Savings Account Comparison
By Aviel Fahl|Last Updated: November 1, 2025
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Summary of Axos Bank vs. Fitness Bank
Key Metrics at a Glance
| Feature | Axos Bank | Fitness Bank |
|---|---|---|
| Top Savings APY | 4.51% Axos ONE | 4.75% Fitness Elite Checking & Fitness Savings Combo |
| Minimum to Open | $0 | $100 |
| Minimum Balance for Top APY | $0 | $100 |
| Note | This APY is only available with the Axos ONE savings and checking bundle. To qualify, you must either set up a direct deposit of $1,500 and maintain an average daily balance of more than $1,500 in your ONE Checking account, or receive at least $5,000 in total monthly qualifying deposits and maintain an average daily balance of more than $5,000. | 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. |
Axos Bank
Strengths
- Axos Bank offers a competitive APY of 4.51%, up from 4.46% last month.
- Axos Bank has an A+ BBB rating and is BBB Accredited.
- Axos Bank has a higher App Store rating of 4.7 compared to Fitness Bank.
Potential Drawbacks
- The highest APY at Axos Bank requires a direct deposit or qualifying deposits.
- Axos Bank has no physical branches for in-person banking.
- The High Yield Savings account at Axos Bank offers a lower APY of 0.61%.
Fitness Bank
Strengths
- Fitness Bank offers a higher APY of 4.75% with conditions for qualification.
- Fitness Bank has a tiered account structure that encourages fitness activity.
- Fitness Bank has a unique savings account that rewards users for tracking steps.
Potential Drawbacks
- Fitness Bank has a low App Store rating of 1.7 and a Google Play rating of 0.0.
- Fitness Bank's accounts have monthly maintenance fees unless balance requirements are met.
- The highest APY at Fitness Bank requires multiple conditions, including step tracking.
Summary: Axos Bank provides a solid APY of 4.51% with an A+ BBB rating and no maintenance fees, though it requires qualifying deposits for the highest rate. In contrast, Fitness Bank offers a slightly higher APY of 4.75% but imposes maintenance fees and has a complicated tier structure based on fitness activities. Additionally, Fitness Bank has poor app ratings, while Axos Bank enjoys higher user satisfaction.
→ As of November 1, 2025 Axos Bank offers an APY of 4.51% for its Axos ONE account, with a minimum balance of $0, compared to Fitness Bank's 4.75% APY for its Fitness Elite Checking & Fitness Savings Combo account, with a minimum balance of $100.
→ Fitness Bank yields $24 more than Axos Bank on a $10,000 balance after one year. Axos Bank pays $451, while Fitness Bank pays $475 - an APY advantage for Fitness Bank.
→ In addition, Axos Bank also offers 4.00% APY for the Summit Savings account, while Fitness Bank offers 4.45% APY for the Fitness Savings Account account.
Calculate Savings Growth for Axos Bank vs Fitness Bank
All calculations are based on APY.
Axos Bank - Axos ONE
Top APY: 4.51%
Total savings breakdown:
- Interest earned: $2,766.7 (13.32%)
- Total contributions: $13,000 (62.60%)
- Initial deposit: $5,000 (24.08%)
Your total balance
$20,766.70
Effective APY: 4.51% (based on your deposit and contributions)
Total balance: $20,766.7
Earnings: $2,766.7
Fitness Bank - Fitness Elite Checking & Fitness Savings Combo
Top APY: 4.75%
Total savings breakdown:
- Interest earned: $2,924.7 (13.98%)
- Total contributions: $13,000 (62.13%)
- Initial deposit: $5,000 (23.90%)
Your total balance
$20,924.70
Effective APY: 4.75% (based on your deposit and contributions)
Total balance: $20,924.7
Earnings: $2,924.7
Bank OverviewWith a $5,000 initial deposit and $13,000 in total contributions over 5 years, Axos Bank's total earnings would be $158 lower than Fitness Bank's total earnings.
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
Compare Axos Bank's vs Fitness Bank's Savings Accounts
| Axos Bank | Fitness Bank | |||||
|---|---|---|---|---|---|---|
| Product | Axos ONE | Summit Savings | High Yield Savings | vs | Fitness Savings Account | Fitness Elite Checking & Fitness Savings Combo |
| APY | 4.51% (as of 11/1/2025) | 4.00% (as of 11/1/2025) | 0.61% (as of 11/1/2025) | 4.45% (as of 11/1/2025) | 4.75% (as of 11/1/2025) | |
| Bundled Account | Yes | No | No | No | Yes | |
| FDIC-insured | Yes | Yes | Yes | Yes | Yes | |
| Online Only | Yes | Yes | Yes | Yes | Yes | |
| Compound Frequency | Daily | Daily | Daily | Daily | Daily | |
| Minimum Deposit | $0 | $0 | $0 | $100 | $100 | |
| Minimum Balance for APY | $0 | $0 | $0 | $100 | $100 | |
| Maintenance Fee | $0 | $0 | $0 | $10. Waived for average daily balances > $100 | $10. Waived for average daily balances > $100 | |
| Direct Deposit Required | No. Not required, but is the easiest way to earn the highest APY. | No | No | No | No | |
| Note | This APY is only available with the Axos ONE savings and checking bundle. To qualify, you must either set up a direct deposit of $1,500 and maintain an average daily balance of more than $1,500 in your ONE Checking account, or receive at least $5,000 in total monthly qualifying deposits and maintain an average daily balance of more than $5,000. | 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 | LEARN MORE at Axos Bank, Member FDIC | |||||
| App Store Rating | 4.7/5 | 1.7/5 | ||||
| Google Play Rating | 4.5/5 | No | ||||
| BBB Rating | A+ | A+ | ||||
Comparative Historical APY Insights (Last 8 Months)
| Axos Bank | Fitness Bank | |||||
|---|---|---|---|---|---|---|
| Product | High Yield Savings | Summit Savings | Axos ONE | vs | Fitness Elite Checking & Fitness Savings Combo | Fitness Savings Account |
| Latest APY | 0.61 % | 4.00 % | 4.51 % | 4.75 % | 4.45 % | |
| Trend | Sideways | Sideways | Sideways | Sideways | Sideways | |
| Slope (bps/mo) | 0.0 | 0.0 | -4.2 | -4.3 | -1.7 | |
| Rate Changes / Mo | 0.00 | 0.00 | 0.39 | 0.26 | 0.26 | |
| Days Since Last Change | 229 | 124 | 29 | 59 | 59 | |
| High (-8 m) | 0.61 % | 4.00 % | 4.86 % | 5.00 % | 4.55 % | |
| Low (-8 m) | 0.61 % | 4.00 % | 4.46 % | 4.75 % | 4.45 % | |
| Draw-down from High | 0.0 % | 0.0 % | -7.2 % | -5.0 % | -2.2 % | |
| Volatility (CV) | 0.000 | 0.000 | 0.025 | 0.023 | 0.010 | |
APY Insights Glossary
- Latest APY
- Most recent advertised annual-percentage yield.
- Trend
- Direction over the last 8 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 (-8 m)
- Highest APY in the last 230 days.
- Low (-8 m)
- Lowest APY in the last 230 days.
- Draw-down from High
- How far today sits below the 8-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.