Axos Bank vs Fitness Bank
High-Yield Savings Accounts Comparison
Last Updated: September 16, 2025
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Summary of Axos Bank vs. Fitness Bank
As of September 16, 2025 Axos Bank offers an APY of 4.46% 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 $29 more than Axos Bank on a $10,000 balance after one year. Axos Bank pays $446, 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.
Axos Bank
Strengths
- Axos Bank offers a high APY of 4.46% with the Axos ONE account.
- Axos Bank has an A+ BBB rating and is accredited.
- Axos Bank has a higher App Store rating of 4.7.
Potential Drawbacks
- Axos Bank has no physical branches.
- The Axos ONE account requires maintaining a balance of $1,500 for the highest APY.
- Axos Bank's other accounts have lower APYs than Fitness Bank.
Fitness Bank
Strengths
- Fitness Bank offers a higher APY of 4.75% with the Fitness Elite Checking & Savings Combo.
- Fitness Bank has a tiered account structure that incentivizes activity.
- Fitness Bank's Fitness Savings Account has a competitive APY of 4.45%.
Potential Drawbacks
- Fitness Bank has a low App Store rating of 1.7 and a Google Play rating of 0.0.
- Fitness Bank's APY decreased from 4.85% to 4.75% in the last 30 days.
- Fitness Bank has a $10 maintenance fee unless balance requirements are met.
Summary: Axos Bank provides a solid APY of 4.46% with an A+ BBB rating, but lacks physical branches. Fitness Bank offers a higher APY of 4.75%, though it has lower app ratings and a recent APY decrease. Both banks have tiered accounts, but Fitness Bank's maintenance fees may deter some users. Overall, Axos Bank is more user-friendly, while Fitness Bank rewards active customers.
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 | 4.46% (as of 9/16/2025) | 4.00% (as of 9/16/2025) | 0.61% (as of 9/16/2025) | 4.45% (as of 9/16/2025) | 4.75% (as of 9/16/2025) | |
| 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 6 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 % | 4.46 % | 4.75 % | 4.45 % | |
| Trend | Sideways | Sideways | Falling | Sideways | Sideways | |
| Slope (bps/mo) | 0.0 | 0.0 | -5.1 | -3.4 | -1.3 | |
| Rate Changes / Mo | 0.00 | 0.00 | 0.33 | 0.33 | 0.33 | |
| Days Since Last Change | 183 | 78 | 46 | 13 | 13 | |
| High (-6 m) | 0.61 % | 4.00 % | 4.86 % | 5.00 % | 4.55 % | |
| Low (-6 m) | 0.61 % | 4.00 % | 4.46 % | 4.75 % | 4.45 % | |
| Draw-down from High | 0.0 % | 0.0 % | -8.2 % | -5.0 % | -2.2 % | |
| Volatility (CV) | 0.000 | 0.000 | 0.024 | 0.016 | 0.007 | |
APY Insights Glossary
- Latest APY
- Most recent advertised annual-percentage yield.
- Trend
- Direction over the last 6 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 (-6 m)
- Highest APY in the last 184 days.
- Low (-6 m)
- Lowest APY in the last 184 days.
- Draw-down from High
- How far today sits below the 6-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.
Calculate Savings Growth for Axos Bank vs Fitness Bank
All calculations are based on APY.
Axos Bank
APY: 4.46%
Total savings breakdown:
- Interest earned: $2,733.9 (13.19%)
- Total contributions: $13,000 (62.70%)
- Initial deposit: $5,000 (24.12%)
Your total balance
$20,733.90
Effective APY: 4.46% (based on your deposit and contributions)
Total balance: $20,733.9
Earnings: $2,733.9
Fitness Bank
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 $190.8 lower than Fitness Bank's total earnings.
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
More Comparisons
Compare Axos Bank's APY of 4.46% with other banks
| Bank Pair | Competitor APY | Min Deposit |
|---|---|---|
| Axos Bank vs Ally Bank | 3.50% | $0 |
| Axos Bank vs American Express | 3.50% | $0 |
| Axos Bank vs Bank of America | 0.01% | $100 |
| Axos Bank vs Barclays | 4.10% | $0 |
| Axos Bank vs BrioDirect | 4.30% | $5,000 |
| Axos Bank vs Capital One | 3.50% | $0 |
| Axos Bank vs Chase Bank | 0.01% | $0 |
| Axos Bank vs Chime | 3.75% | $0 |
| Axos Bank vs CIT Bank | 4.00% | $100 |
| Axos Bank vs Discover Bank | 3.50% | $0 |
| Axos Bank vs Elevault | 4.60% | $0 |
| Axos Bank vs EverBank | 4.30% | $0 |
| Axos Bank vs FVCbank | 4.35% | $500 |
| Axos Bank vs GO2bank | 4.50% | $0 |
| Axos Bank vs Marcus by Goldman Sachs | 3.65% | $0 |
| Axos Bank vs Neighbors Bank | 4.60% | $0 |
| Axos Bank vs Newtek Bank | 4.35% | $0 |
| Axos Bank vs Peak Bank | 4.35% | $100 |
| Axos Bank vs Pibank | 4.60% | $0 |
| Axos Bank vs Presidential Bank | 4.50% | $5,000 |
| Axos Bank vs Santander Bank | 0.03% | $25 |
| Axos Bank vs SoFi Bank | 4.50% | $0 |
| Axos Bank vs Synchrony Bank | 3.80% | $0 |
| Axos Bank vs TIMBR | 4.40% | $1,000 |
| Axos Bank vs Varo Bank | 5.00% | $0 |
| Axos Bank vs Wells Fargo | 2.51% | $25 |
| Axos Bank vs Zynlo Bank | 4.35% | $10 |