Axos Bank vs. Fitness Bank
Compare rates, requirements, and features side-by-side to find the best option for you.
Axos Bank
Axos ONE
4.31%APYDec 17, 2025FDIC InsuredChecking BundleNo MinimumsGreat iOS AppGreat Android AppShow Fine Print & Trends Hide Details
Axos Bank
Axos ONE
Fitness Bank
Fitness Elite Checking & Fitness Savings Combo
4.75%APYDec 17, 2025FDIC InsuredChecking BundleLow MinimumsShow Fine Print & Trends Hide Details
Fitness Bank
Fitness Elite Checking & Fitness Savings Combo
Comparison Analysis
Comparing Axos Bank vs. Fitness Bank
As of Axos Bank offers an APY of 4.31% 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 pays $44 more than Axos Bank on a $10,000 balance after one year. Axos Bank pays $431, while Fitness Bank pays $475 - an APY advantage for Fitness Bank.
In addition, Axos Bank also offers 3.75% APY for the Summit Savings account, with a minimum balance of $0, while Fitness Bank offers 4.45% APY for the Fitness Savings Account account, with a minimum balance of $100.
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 (4.5 vs 0.0)
Why Fitness Bank?
- ✓Higher potential APY (4.45%-4.75% vs 3.75%-4.31%) 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. $475 vs $431/yr).
Better Returns at $25,000
Fitness BankFitness Bank's Fitness Elite Checking & Fitness Savings Combo pulls ahead with larger amounts (approx. $1188 vs $1078/yr).
Best for Simplicity
Fitness BankFitness Bank's Fitness Savings Account offers 4.45% 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 4.5 (vs. 0.0)
Shared Benefits
Over a 1-year period, Fitness Bank's Fitness Elite Checking & Fitness Savings Combo pays $44 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.
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 making 15 debit card transactions per account period. In comparison, Axos Bank's Axos ONE savings and checking bundle provides a competitive APY of 4.31%, with the checking account earning a lower 0.51% APY. While both banks are online-only and do not require direct deposits, Axos Bank's offering requires maintaining certain balance thresholds for the highest APY. Fitness Bank also features a simpler option with its Fitness Savings Account at 4.45% APY, which has fewer requirements.
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.
Looking for Simplicity?
Don't want a checking bundle? We track many high-yield banks that offer competitive rates without checking requirements.
Axos Bank vs. Fitness Bank Savings Calculator
You earn $44 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+$431.00(4.1%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,431.00
Sponsored Link
Fitness Bank
Fitness Elite Checking & Fitness Savings Combo
Savings Breakdown
- Interest Earned+$475.00(4.5%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,475.00
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
| Feature | Axos Bank | Fitness Bank |
|---|---|---|
| APY | 4.31% Verified: 12/17/2025 ↘︎ 0.15%90d Change | 4.75% Verified: 12/17/2025 Stable (90d) |
| 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 |
| Branch Access | None | None |
| Account Type | Online Only | Online Only |
| Direct Deposit Req. | Not required, but is the easiest way to earn the highest APY. | None |
| Checking Bundle | Yes | Yes |
| Mobile Apps | iOS4.7 Android4.5 | iOS1.7 Android0.0 |
| BBB Rating | A+ | A+ |
| Important Notes | The 4.31% 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 | SponsoredOpen Account |
📈 Compare Savings Rates Over Time
Historical Performance
| Metric | Axos Bank | Fitness Bank | |||
|---|---|---|---|---|---|
| High Yield Savings | Summit Savings | Axos ONE | Fitness Elite Checking & Fitness Savings Combo | Fitness Savings Account | |
Current APY | 0.61% | 3.75% | 4.31% | 4.75% | 4.45% |
Trend | Stable | Stable | Stable | Stable | Stable |
Velocity (bps/mo) | 0.0 | -1.1 | -3.9 | -3.9 | -1.6 |
Days Since Change | 276 | 7 | 15 | 106 | 106 |
9-Month High | 0.61% | 4.00% | 4.86% | 5.00% | 4.55% |
9-Month Low | 0.61% | 3.75% | 4.31% | 4.75% | 4.45% |
Adjustments / Mo | 0.00 | 0.11 | 0.43 | 0.22 | 0.22 |
Volatility Score | 0.000 | 0.014 | 0.028 | 0.024 | 0.011 |
How to read these metrics(Click to expand)
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