Barclays vs Fitness Bank
High-Yield Savings Accounts Comparison
Last Updated: September 16, 2025
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Summary of Barclays vs. Fitness Bank
As of September 16, 2025 Barclays offers an APY of 4.10% for its Tiered Savings account, with a minimum balance of $250,000, 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 $85 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 $475 - an APY advantage for Fitness Bank.
In addition, Barclays also offers 3.70% APY for the Online Savings account, while Fitness Bank offers 4.45% APY for the Fitness Savings Account account.
Barclays
Strengths
- Barclays offers a competitive 4.10% APY for balances over $250,000.
- Barclays has a high App Store rating of 4.8.
- Barclays has no maintenance fees for its accounts.
Potential Drawbacks
- Barclays requires a $250,000 balance to earn the highest APY.
- Barclays has no physical branches.
Fitness Bank
Strengths
- Fitness Bank provides a 4.75% APY for its Fitness Elite Checking & Fitness Savings Combo.
- Fitness Bank has a lower minimum deposit of $100.
Potential Drawbacks
- Fitness Bank's APY decreased from 4.85% in the last 30 days.
- Fitness Bank has a low App Store rating of 1.7 and a Google Play rating of 0.0.
Summary: Barclays offers a solid 4.10% APY for high balances with no fees, while Fitness Bank has a higher 4.75% APY but requires maintaining specific conditions. Barclays has better app ratings and no branch presence, whereas Fitness Bank has a lower minimum deposit but a declining APY and poor app ratings. Overall, the choice depends on balance requirements and service preferences.
Compare Barclays' vs Fitness Bank's Savings Accounts
| Barclays | Fitness Bank | ||||
|---|---|---|---|---|---|
| Product | Tiered Savings | Online Savings | vs | Fitness Savings Account | Fitness Elite Checking & Fitness Savings Combo |
| APY | 3.90% - 4.10% (as of 9/16/2025) | 3.70% (as of 9/16/2025) | 4.45% (as of 9/16/2025) | 4.75% (as of 9/16/2025) | |
| Bundled Account | No | No | No | Yes | |
| FDIC-insured | Yes | Yes | Yes | Yes | |
| Online Only | Yes | Yes | Yes | Yes | |
| Compound Frequency | Daily | Daily | Daily | Daily | |
| Minimum Deposit | $0 | $0 | $100 | $100 | |
| Minimum Balance for APY | $250,000 | Enough 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 | No | No | No | No | |
| Note | The 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 Rating | 4.8/5 | 1.7/5 | |||
| Google Play Rating | 4.7/5 | No | |||
| BBB Rating | A+ | A+ | |||
Comparative Historical APY Insights (Last 6 Months)
| Barclays | Fitness Bank | ||||
|---|---|---|---|---|---|
| Product | Online Savings | Tiered Savings | vs | Fitness Elite Checking & Fitness Savings Combo | Fitness Savings Account |
| Latest APY | 3.70 % | 4.10 % | 4.75 % | 4.45 % | |
| Trend | Sideways | Falling | Sideways | Sideways | |
| Slope (bps/mo) | -3.7 | -5.9 | -3.4 | -1.3 | |
| Rate Changes / Mo | 0.65 | 0.82 | 0.33 | 0.33 | |
| Days Since Last Change | 98 | 90 | 13 | 13 | |
| High (-6 m) | 3.90 % | 4.40 % | 5.00 % | 4.55 % | |
| Low (-6 m) | 3.70 % | 4.10 % | 4.75 % | 4.45 % | |
| Draw-down from High | -5.1 % | -6.8 % | -5.0 % | -2.2 % | |
| Volatility (CV) | 0.020 | 0.028 | 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 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 OverviewFitness 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, Barclays's total earnings would be $554.5 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
| Bank Pair | Competitor APY | Min Deposit |
|---|---|---|
| Barclays vs Ally Bank | 3.50% | $0 |
| Barclays vs American Express | 3.50% | $0 |
| Barclays vs Axos Bank | 4.46% | $0 |
| Barclays vs Bank of America | 0.01% | $100 |
| Barclays vs BrioDirect | 4.30% | $5,000 |
| Barclays vs Capital One | 3.50% | $0 |
| Barclays vs Chase Bank | 0.01% | $0 |
| Barclays vs Chime | 3.75% | $0 |
| Barclays vs CIT Bank | 4.00% | $100 |
| Barclays vs Discover Bank | 3.50% | $0 |
| Barclays vs Elevault | 4.60% | $0 |
| Barclays vs EverBank | 4.30% | $0 |
| Barclays vs FVCbank | 4.35% | $500 |
| Barclays vs GO2bank | 4.50% | $0 |
| Barclays vs Marcus by Goldman Sachs | 3.65% | $0 |
| Barclays vs Neighbors Bank | 4.60% | $0 |
| Barclays vs Newtek Bank | 4.35% | $0 |
| Barclays vs Peak Bank | 4.35% | $100 |
| Barclays vs Pibank | 4.60% | $0 |
| Barclays vs Presidential Bank | 4.50% | $5,000 |
| Barclays vs Santander Bank | 0.03% | $25 |
| Barclays vs SoFi Bank | 4.50% | $0 |
| Barclays vs Synchrony Bank | 3.80% | $0 |
| Barclays vs TIMBR | 4.40% | $1,000 |
| Barclays vs UFB Direct | 4.21% | $5000 |
| Barclays vs Varo Bank | 5.00% | $0 |
| Barclays vs Wells Fargo | 2.51% | $25 |
| Barclays vs Zynlo Bank | 4.35% | $10 |