Axos Bank vs. Fitness Bank
Fitness Bank edges out Axos Bank slightly at 4.30% vs 4.21% APY. On a $10,000 balance, the difference is just $9 per year—so other factors may matter more.
The Bottom Line
The Axos Bank and Fitness Bank savings accounts are very similar. Choose Axos Bank if mobile app quality matters.
Important Considerations
Both banks require a checking account to access their highest savings rates.
| Metric | Axos BankAxos ONE May 8, 2026 | Fitness BankFitness Elite Checking & Fitness Savings Combo May 8, 2026 |
|---|---|---|
| APY | 4.21% | 4.30% |
Est. Earnings | $5,000+$211 $10,000+$421 $25,000+$1,053 | $5,000+$215 $10,000+$430 $25,000+$1,075 |
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
Axos Bank offers a competitive APY of 4.21% through its Axos ONE savings and checking bundle, which requires either a direct deposit of $1,500 or $5,000 in monthly qualifying deposits, along with maintaining specific average daily balances. In contrast, Fitness Bank provides a slightly lower APY of 4.00% with its Fitness Savings Account, which does not require bundling or direct deposits, but does necessitate tracking at least 12,500 average daily steps to earn the highest rate. Both banks are online-only and have no maintenance fees, with Axos Bank noted for its superior mobile app experience.
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?
No distinct advantages found vs Axos Bank.
— Key Feature Differences —
Best for Simplicity
Fitness BankFitness Bank's Fitness Savings Account offers 4.00% 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 $9 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 $9 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+$430.00(4.1%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,430.00
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: 5/8/2026 Stable (90d) | 4.30% Verified: 5/8/2026 ↘︎ 0.20%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% | 4.30% | 4.00% |
Trend | Stable | Stable | Stable | Stable | Stable |
Velocity (bps/mo) | -3.6 | -4.6 | -0.0 | -4.9 | -3.6 |
Days Since Change | 148 | 97 | 365 | 3 | 3 |
12-Month High | 4.00% | 4.66% | 0.61% | 5.00% | 4.55% |
12-Month Low | 3.75% | 4.21% | 0.61% | 4.30% | 4.00% |
Adjustments / Mo | 0.08 | 0.33 | 0.00 | 0.33 | 0.33 |
Volatility Score | 0.032 | 0.038 | 0.000 | 0.038 | 0.032 |
How to read these metrics(Click to expand)
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More Comparisons
Compare Axos Bank's APY of 4.21% with other banks
Compare Fitness Bank's APY of 4.30% with other banks
| Bank Pair | Competitor APY | Min Deposit |
|---|---|---|
| Fitness Bank vs Ally Bank | 3.10% | $0 |
| Fitness Bank vs American Express | 3.20% | $0 |
| Fitness Bank vs Barclays | 3.75% | $0 |
| Fitness Bank vs Capital One | 3.10% | $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 | 3.50% | $0 |
| Fitness Bank vs Newtek Bank | 4.20% | $0.01 |
| Fitness Bank vs Openbank | 4.00% | $500 |
| Fitness Bank vs Pibank | 4.40% | $0 |
| Fitness Bank vs SoFi Bank | 4.00% | $0 |
| Fitness Bank vs Synchrony Bank | 3.40% | $0 |
| Fitness Bank vs Varo Bank | 5.00% | $0 |
| Fitness Bank vs Wealthfront | 4.20% | $0 |