Axos Bank vs. Fitness Bank
Comparing Axos Bank and Fitness Bank for high-yield savings: Axos Bank's Axos ONE pays 4.21% APY while Fitness Bank's Fitness Elite Checking & Fitness Savings Combo pays 4.50% APY.
See how they compare on rate stability, mobile app ratings, and more below.
The Bottom Line
Who pays more interest on $10,000? Fitness Bank pays $29 more than Axos Bank annually ($450 vs $421).
Choose Axos Bank if mobile app quality matters, or choose Fitness Bank if getting the best rate matters most.
Important Considerations
Both banks require a checking account to access their highest savings rates.
| Metric | Axos BankAxos ONE Mar 24, 2026 | Fitness BankFitness Elite Checking & Fitness Savings Combo Mar 24, 2026 |
|---|---|---|
| APY | 4.21% | 4.50% |
Est. Earnings | $5,000+$211 $10,000+$421 $25,000+$1,053 | $5,000+$225 $10,000+$450 $25,000+$1,125 |
Min Deposit | $0 | $100 |
Snapshot view. Rates subject to change. | ||
Terms | The 4.21% APY is available with the Axos ONE savings and checking bundle. The checking account earns 0.51% APY. 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. |
| Features | FDIC InsuredNo MinimumsGreat iOS AppGreat Android AppChecking BundleDaily CompoundingRate Changes Often | FDIC InsuredLow MinimumsChecking BundleDaily CompoundingRate Changes Often |
Looking for Simplicity?
Don't want a checking bundle? We track many high-yield banks that offer competitive rates without checking requirements.
Comparison Analysis
Comparing Axos Bank vs. Fitness Bank
Executive Summary
Fitness Bank offers the highest APY of 4.50% with its Fitness Elite Checking & Fitness Savings Combo, which requires maintaining a $5,000 average daily balance and completing 15 debit card transactions per Account Period. This account is online-only and has a minimum deposit of $100, with a maintenance fee that can be waived. Axos Bank's top product, the Axos ONE, provides a competitive APY of 4.21% when bundled with a checking account, which also requires maintaining a balance of $1,500 or meeting other deposit criteria. Both banks are online-only and offer FDIC insurance, but Fitness Bank's product stands out for its higher yield.
The analysis is based on current Banksparency database records
* This content is provided for informational purposes only; always verify details with the provider.
Why Axos Bank?
- ✓Earn 0.51% APY on checking account
- ✓Access to 95,000 fee-free ATMs
- ✓Higher rated iOS app (4.7 vs 1.7)
- ✓Higher rated Android app (4.6 vs 0.0)
Why Fitness Bank?
- ✓Higher potential APY (4.20%-4.50% vs 3.75%-4.21%) on all balances
— Key Feature Differences —
Better Returns at $10,000
Fitness BankFitness Bank's Fitness Elite Checking & Fitness Savings Combo earns more on smaller deposits (approx. $450 vs $421/yr).
Better Returns at $25,000
Fitness BankFitness Bank's Fitness Elite Checking & Fitness Savings Combo pulls ahead with larger amounts (approx. $1125 vs $1053/yr).
Best for Simplicity
Fitness BankFitness Bank's Fitness Savings Account offers 4.20% APY with no bundling, direct deposit requirement or caps.
Requires Banking Relationship
Both banks require a checking account bundle to access their highest rates.
Best Mobile App Experience
Axos BankAxos Bank offers an iOS app rated 4.7 (vs. 1.7) and Android app rated 4.6 (vs. 0.0)
Shared Benefits
Over a 1-year period, Fitness Bank's Fitness Elite Checking & Fitness Savings Combo pays $29 more interest on a $10,000 balance than Axos Bank's Axos ONE.
*This calculation assumes current rates remain consistent for 1 year and does not include temporary bonuses.
* Secure link to our partner
Non-sponsored link to official site
Top Market Contenders
Axos Bank vs. Fitness Bank Savings Calculator
You earn $29 more with Fitness Bank than Axos Bank on a $10,000 initial deposit for 1 year*.
*This calculation assumes that APYs remain unchanged for 1 year, and takes into account known promo rate periods, but does not factor in bonuses. You can see how often these banks have changed their rates in the Compare Savings Rates Over Time section below.
Axos Bank
Axos ONE
Savings Breakdown
- Interest Earned+$421.00(4.0%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,421.00
Fitness Bank
Fitness Elite Checking & Fitness Savings Combo
Savings Breakdown
- Interest Earned+$450.00(4.3%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,450.00
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
Still banking with Chase, Bank of America, or Wells Fargo?
On a $10,000 balance, you're missing out on at least $420 per year in interest.
Both Axos Bank and Fitness Bank dramatically outperform the typical 0.01% APY at traditional big banks.
| Feature | Axos Bank | Fitness Bank |
|---|---|---|
| APY | 4.21% Verified: 3/24/2026 ↘︎ 0.10%90d Change | 4.50% Verified: 3/24/2026 ↘︎ 0.25%90d Change |
| Product Name | Axos ONE | 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 |
| Compound Frequency | Daily | Daily |
| Branch Access | None | None |
| Account Type | Online Only | Online Only |
| Physical Branches | None | N/A |
| Direct Deposit Req. | Not required, but is the easiest way to earn the highest APY. | None |
| Checking Bundle | Yes | Yes |
| Mobile Apps | ||
| FDIC Insured | YesVerify FDIC | YesVerify FDIC |
| Zelle® Support | Not Supported | Not Supported |
| BBB Rating | A+ | A+ |
| Important Notes | The 4.21% APY is available with the Axos ONE savings and checking bundle. The checking account earns 0.51% APY. 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. |
| Next Steps | Visit SiteGo to Axos Bank * Secure link to our partner | Visit SiteVerify at Fitness Bank Non-sponsored link to official site |
📈 Compare Savings Rates Over Time
Historical Performance
| Metric | Axos Bank | Fitness Bank | |||
|---|---|---|---|---|---|
| Summit Savings | Axos ONE | High Yield Savings | Fitness Elite Checking & Fitness Savings Combo | Fitness Savings Account | |
Current APY | 3.75% | 4.21% | 0.61% | 4.50% | 4.20% |
Trend | Stable | Stable | Stable | Stable | Stable |
Velocity (bps/mo) | -4.1 | -4.6 | -0.0 | -4.4 | -2.7 |
Days Since Change | 103 | 52 | 365 | 49 | 49 |
12-Month High | 4.00% | 4.86% | 0.61% | 5.00% | 4.55% |
12-Month Low | 3.75% | 4.21% | 0.61% | 4.50% | 4.20% |
Adjustments / Mo | 0.08 | 0.41 | 0.00 | 0.25 | 0.25 |
Volatility Score | 0.032 | 0.039 | 0.000 | 0.035 | 0.026 |
How to read these metrics(Click to expand)
Compare Similar High-Yield Accounts
Compare Axos Bank vs...
Comparing against other Bundled Accounts
Compare Fitness Bank vs...
Comparing against other Bundled Accounts
Simpler Options (No Bundles)
Looking for something different? Check out these top-rated alternatives.
More Comparisons
Compare Axos Bank's APY of 4.21% with other banks
Compare Fitness Bank's APY of 4.50% with other banks
| Bank Pair | Competitor APY | Min Deposit |
|---|---|---|
| Fitness Bank vs Ally Bank | 3.20% | $0 |
| Fitness Bank vs American Express | 3.20% | $0 |
| Fitness Bank vs Barclays | 3.85% | $0 |
| Fitness Bank vs Capital One | 3.20% | $0 |
| Fitness Bank vs Chime | 3.00% | $0 |
| Fitness Bank vs CIT Bank | 3.75% | $100 |
| Fitness Bank vs Discover Bank | 3.30% | $0 |
| Fitness Bank vs EverBank | 3.90% | $0 |
| Fitness Bank vs Marcus by Goldman Sachs | 3.65% | $0 |
| Fitness Bank vs Newtek Bank | 4.20% | $0.01 |
| Fitness Bank vs Openbank | 4.09% | $500 |
| Fitness Bank vs Pibank | 4.60% | $0 |
| Fitness Bank vs SoFi Bank | 4.00% | $0 |
| Fitness Bank vs Synchrony Bank | 3.50% | $0 |
| Fitness Bank vs Varo Bank | 5.00% | $0 |
| Fitness Bank vs Wealthfront | 4.20% | $0 |