Axos Bank vs Fitness Bank
High-Yield Savings Accounts Comparison
Last Updated: August 1, 2025
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Summary of Axos Bank vs. Fitness Bank
As of August 1, 2025 Axos Bank offers an APY of 4.46% for its Axos ONE account, compared to Fitness Bank's 4.85% APY for its Fitness Elite Checking & Fitness Savings Combo account.
Fitness Bank yields $39 more than Axos Bank on a $10,000 balance after one year. Axos Bank pays $446, while Fitness Bank pays $485 - an APY advantage for Fitness Bank.
In addition, Axos Bank also offers 4.00% APY for the Summit Savings account, while Fitness Bank offers 4.50% APY for the Fitness Savings Account account.
Axos Bank
Strengths
- Axos Bank offers a competitive APY of 4.46%, though it decreased from 4.66% in the last 30 days.
- Axos Bank has an A+ BBB rating and is accredited, indicating strong trustworthiness.
- Axos Bank has a higher App Store rating of 4.7 compared to Fitness Bank.
Potential Drawbacks
- To earn the highest APY, Axos Bank requires maintaining a balance of $1,500 or $5,000.
- Axos Bank has no physical branches, which may limit in-person service options.
- Axos Bank's Google Play rating is lower at 4.4 compared to Fitness Bank's 0.0.
Fitness Bank
Strengths
- Fitness Bank offers a higher APY of 4.85%, though it decreased from 5.00% in the last 30 days.
- Fitness Bank's Fitness Elite Checking & Savings Combo provides unique incentives tied to fitness activities.
- Fitness Bank has no direct deposit requirement for its accounts.
Potential Drawbacks
- Fitness Bank has a low App Store rating of 1.7 and a Google Play rating of 0.0.
- Fitness Bank charges a maintenance fee of $10 unless balance requirements are met.
- To earn the highest APY, Fitness Bank requires maintaining a $5,000 average balance and tracking steps.
Summary: Axos Bank offers a solid APY of 4.46% with no maintenance fees but requires higher balances for the best rates. Fitness Bank provides a higher APY of 4.85% but includes fitness-related conditions and maintenance fees. Both banks have an A+ BBB rating, but Axos Bank has better app ratings, while Fitness Bank's app ratings are notably low. Overall, Axos Bank may appeal more to those seeking straightforward savings without conditions.
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 8/1/2025) | 4.00% (as of 8/1/2025) | 0.61% (as of 8/1/2025) | 4.50% (as of 8/1/2025) | 4.85% (as of 8/1/2025) | |
| 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 | 4.4/5 | No | ||||
| BBB Rating | A+ | A+ | ||||
Comparative Historical APY Insights (Last 5 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 % | 4.85 % | 4.50 % | |
| Trend | Sideways | Sideways | Sideways | Sideways | Sideways | |
| Slope (bps/mo) | 0.0 | 0.0 | -2.8 | -0.2 | -0.1 | |
| Rate Changes / Mo | 0.00 | 0.00 | 0.43 | 0.22 | 0.22 | |
| Days Since Last Change | 138 | 33 | 1 | 1 | 1 | |
| High (-5 m) | 0.61 % | 4.00 % | 4.86 % | 5.00 % | 4.55 % | |
| Low (-5 m) | 0.61 % | 4.00 % | 4.46 % | 4.85 % | 4.50 % | |
| Draw-down from High | 0.0 % | 0.0 % | -8.2 % | -3.0 % | -1.1 % | |
| Volatility (CV) | 0.000 | 0.000 | 0.014 | 0.003 | 0.001 | |
APY Insights Glossary
- Latest APY
- Most recent advertised annual-percentage yield.
- Trend
- Direction over the last 5 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 (-5 m)
- Highest APY in the last 139 days.
- Low (-5 m)
- Lowest APY in the last 139 days.
- Draw-down from High
- How far today sits below the 5-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: 4.85%
Total savings breakdown:
- Interest earned: $2,990.9 (14.25%)
- Total contributions: $13,000 (61.93%)
- Initial deposit: $5,000 (23.82%)
Your total balance
$20,990.90
Effective APY: 4.85% (based on your deposit and contributions)
Total balance: $20,990.9
Earnings: $2,990.9
Bank OverviewWith a $5,000 initial deposit and $13,000 in total contributions over 5 years, Axos Bank's total earnings would be $257 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 | Best 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 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 Marcus by Goldman Sachs | 3.65% | $0 |
| Axos Bank vs Presidential Bank | 4.50% | $5,000 |
| Axos Bank vs SoFi Bank | 3.80% | $0 |
| Axos Bank vs Synchrony Bank | 3.80% | $0 |
| Axos Bank vs Varo Bank | 5.00% | $0 |
| Axos Bank vs Wells Fargo | 2.51% | $25 |
Compare Fitness Bank's APY of 4.85% with other banks
| Bank Pair | Best APY | Min Deposit |
|---|---|---|
| Fitness Bank vs Ally Bank | 3.50% | $0 |
| Fitness Bank vs American Express | 3.50% | $0 |
| Fitness Bank vs Bank of America | 0.01% | $100 |
| Fitness Bank vs Barclays | 4.10% | $0 |
| Fitness Bank vs Capital One | 3.50% | $0 |
| Fitness Bank vs Chase Bank | 0.01% | $0 |
| Fitness Bank vs Chime | 3.75% | $0 |
| Fitness Bank vs CIT Bank | 4.00% | $100 |
| Fitness Bank vs Discover Bank | 3.50% | $0 |
| Fitness Bank vs Marcus by Goldman Sachs | 3.65% | $0 |
| Fitness Bank vs Presidential Bank | 4.50% | $5,000 |
| Fitness Bank vs SoFi Bank | 3.80% | $0 |
| Fitness Bank vs Synchrony Bank | 3.80% | $0 |
| Fitness Bank vs UFB Direct | 4.21% | $5000 |
| Fitness Bank vs Varo Bank | 5.00% | $0 |
| Fitness Bank vs Wells Fargo | 2.51% | $25 |