Barclays vs Fitness Bank
High-Yield Savings Accounts Comparison

Last Updated: August 1, 2025

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Summary of Barclays vs. Fitness Bank

As of August 1, 2025 Barclays offers an APY of 4.10% for its Tiered Savings account, compared to Fitness Bank's 4.85% APY for its Fitness Elite Checking & Fitness Savings Combo account.

Fitness Bank yields $95 more than Barclays on a $10,000 balance after one year. Barclays pays $390 (with an effective APY of 3.9%), while Fitness Bank pays $485 - an APY advantage for Fitness Bank.

In addition, Barclays also offers 3.70% APY for the Online Savings account, while Fitness Bank offers 4.50% APY for the Fitness Savings Account account.

Barclays

Strengths

  • Barclays offers a competitive 4.10% APY for balances over $250,000.
  • Barclays has an A+ BBB rating and is accredited.
  • Barclays has a high App Store rating of 4.8.

Potential Drawbacks

  • Barclays requires a minimum balance of $250,000 for the highest APY.
  • Barclays has no physical branches.

Fitness Bank

Strengths

  • Fitness Bank offers a high APY of 4.85% for its Fitness Elite Checking & Savings Combo.
  • Fitness Bank's Fitness Savings Account has a competitive APY of 4.50%.

Potential Drawbacks

  • Fitness Bank's App Store rating is low at 1.7.
  • Fitness Bank's Google Play rating is 0.0.
  • Fitness Bank's APY decreased from 5.00% to 4.85% in the last 30 days.
Summary: Barclays provides a solid 4.10% APY for high balances with an A+ BBB rating and strong app ratings, but requires a $250,000 minimum. Fitness Bank offers a higher 4.85% APY but has low app ratings and a recent decrease in APY. Both banks operate online only, with no physical branches.

Compare Barclays' vs Fitness Bank's Savings Accounts

BarclaysFitness Bank
ProductTiered SavingsOnline SavingsvsFitness Savings AccountFitness Elite Checking & Fitness Savings Combo
APY
3.90% - 4.10% (as of 8/1/2025)3.70% (as of 8/1/2025)4.50% (as of 8/1/2025)4.85% (as of 8/1/2025)
Bundled Account
NoNoNoYes
FDIC-insured
YesYesYesYes
Online OnlyYesYesYesYes
Compound Frequency
DailyDailyDailyDaily
Minimum Deposit$0$0$100$100
Minimum Balance for APY$250,000Enough to earn $0.01 in interest$100$100
Maintenance Fee$0$0$10. Waived for average daily balances > $100$10. Waived for average daily balances > $100
Direct Deposit Required
NoNoNoNo
NoteThe 4.10% APY is only available for balances over $250,000. For lower balances, the APY is 3.90%.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.
App Store Rating4.8/51.7/5
Google Play Rating4.7/5No
BBB RatingA+A+

Comparative Historical APY Insights (Last 5 Months)

BarclaysFitness Bank
ProductOnline SavingsTiered SavingsvsFitness Elite Checking & Fitness Savings ComboFitness Savings Account
Latest APY3.70 %4.10 %4.85 %4.50 %
TrendFallingFallingSidewaysSideways
Slope (bps/mo)-5.2-8.1-0.2-0.1
Rate Changes / Mo0.861.080.220.22
Days Since Last Change534511
High (-5 m)3.90 %4.40 %5.00 %4.55 %
Low (-5 m)3.70 %4.10 %4.85 %4.50 %
Draw-down from High-5.1 %-6.8 %-3.0 %-1.1 %
Volatility (CV)0.0200.0270.0030.001
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 Barclays vs Fitness Bank

All calculations are based on APY.

Barclays

APY: 4.10%

⚠️The higher APY only applies once your balance reaches $250,000.

Total savings breakdown:

  • Interest earned: $2,370.2 (11.64%)
  • Total contributions: $13,000 (63.82%)
  • Initial deposit: $5,000 (24.55%)

Your total balance

$20,370.20

Effective APY: 3.90% (based on your deposit and contributions)

Total balance: $20,370.2

Earnings: $2,370.2

Bank Overview

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 Overview

With a $5,000 initial deposit and $13,000 in total contributions over 5 years, Barclays's total earnings would be $620.7 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 Barclays' APY of 4.10% with other banks
Compare Fitness Bank's APY of 4.85% with other banks