Barclays vs Fitness Bank
High-Yield Savings Accounts Comparison
Last Updated: June 13, 2025
Summary of Barclays vs. Fitness Bank
As of June 13, 2025 Barclays offers an APY of 4.20% for its Tiered Savings account, compared to Fitness Bank's 5.00% APY for its Fitness Elite Checking & Fitness Savings Combo account.
Fitness Bank yields $80 more than Barclays on a $10,000 balance after one year. Barclays pays $420, while Fitness Bank pays $500 - an APY advantage for Fitness Bank.
In addition, Barclays also offers 3.70% APY for the Online Savings account, while Fitness Bank offers 4.55% APY for the Fitness Savings Account account.
Barclays
Strengths
- Barclays offers a Tiered Savings account with a current APY of 4.20%.
- Barclays has an A+ BBB rating and is BBB Accredited.
- Barclays has a high App Store rating of 4.8.
Potential Drawbacks
- Barclays' highest APY requires a minimum balance of $250,000.
- The current APY for Barclays decreased from 4.30% to 4.20% in 30 days.
- Barclays has no physical branches.
Fitness Bank
Strengths
- Fitness Bank offers a Fitness Savings Account with a current APY of 4.55%.
- Fitness Bank's APY has remained stable at 4.55% over the last 30 days.
- Fitness Bank has a lower minimum deposit of $100 for accounts.
Potential Drawbacks
- Fitness Bank has a low App Store rating of 1.7 and a Google Play rating of 0.0.
- Fitness Bank requires tracking daily steps to earn the highest APY.
- Fitness Bank charges a maintenance fee of $10 unless balance requirements are met.
Summary: Barclays offers a lower APY of 4.20% for high balances, while Fitness Bank provides a higher APY of 4.55% but with conditions tied to physical activity. Both banks have an A+ BBB rating, but Barclays has a significantly better App Store rating. Fitness Bank's APY has remained stable, unlike Barclays, which saw a decrease. Additionally, Fitness Bank has lower minimum deposit requirements but imposes maintenance fees.
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 | 4.00% - 4.20% (as of 6/13/2025) | 3.70% (as of 6/13/2025) | 4.55% (as of 6/13/2025) | 5.00% (as of 6/13/2025) | |
| 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 4.20% APY is only available for balances over $250,000. For lower balances, the APY is 4.00%. | N/A | 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. | |
| Visit Bank | Tiered Savings | Online Savings | Fitness Savings Account | Fitness Elite Checking & Fitness Savings Combo | |
| 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 3 Months)
| Barclays | Fitness Bank | ||||
|---|---|---|---|---|---|
| Product | Online Savings | Tiered Savings | vs | Fitness Elite Checking & Fitness Savings Combo | Fitness Savings Account |
| Latest APY | 3.70 % | 4.20 % | 5.00 % | 4.55 % | |
| Trend | Falling | Falling | Sideways | Sideways | |
| Slope (bps/mo) | -5.5 | -8.1 | 0.0 | -0.0 | |
| Rate Changes / Mo | 1.30 | 1.30 | 0.00 | 0.00 | |
| Days Since Last Change | 6 | 6 | 91 | 91 | |
| High (-3 m) | 3.90 % | 4.40 % | 5.00 % | 4.55 % | |
| Low (-3 m) | 3.70 % | 4.20 % | 5.00 % | 4.55 % | |
| Draw-down from High | -5.1 % | -4.5 % | 0.0 % | 0.0 % | |
| Volatility (CV) | 0.016 | 0.019 | 0.000 | 0.000 | |
APY Insights Glossary
- Latest APY
- Most recent advertised annual-percentage yield.
- Trend
- Direction over the last 3 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 (-3 m)
- Highest APY in the last 92 days.
- Low (-3 m)
- Lowest APY in the last 92 days.
- Draw-down from High
- How far today sits below the 3-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: 4.20%
Total savings breakdown:
- Interest earned: $42 (4.03%)
- Total contributions: $0 (0.00%)
- Initial deposit: $1,000 (95.97%)
Your total balance
$1,042.00
Effective APY: 4.20% (based on your deposit and contributions)
Total balance: $1,042
Earnings: $42
Bank DetailsFitness Bank
APY: 5.00%
Total savings breakdown:
- Interest earned: $50 (4.76%)
- Total contributions: $0 (0.00%)
- Initial deposit: $1,000 (95.24%)
Your total balance
$1,050.00
Effective APY: 5.00% (based on your deposit and contributions)
Total balance: $1,050
Earnings: $50
Bank DetailsAfter 1 year Barclays would earn you $8 less than Fitness Bank.
More Comparisons
Compare Barclays' APY of 4.20% with other banks
| Bank Pair | Best APY | Min Deposit |
|---|---|---|
| Barclays vs Ally Bank | 3.60% | $0 |
| Barclays vs American Express | 3.60% | $0 |
| Barclays vs Axos Bank | 4.66% | $0 |
| Barclays vs Bank of America | 0.01% | $100 |
| Barclays vs Capital One | 3.60% | $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 | 3.60% | $0 |
| Barclays vs Marcus by Goldman Sachs | 3.65% | $0 |
| Barclays vs SoFi Bank | 3.80% | $0 |
| Barclays vs Synchrony Bank | 3.80% | $0 |
Compare Fitness Bank's APY of 5.00% with other banks
| Bank Pair | Best APY | Min Deposit |
|---|---|---|
| Fitness Bank vs Ally Bank | 3.60% | $0 |
| Fitness Bank vs American Express | 3.60% | $0 |
| Fitness Bank vs Axos Bank | 4.66% | $0 |
| Fitness Bank vs Bank of America | 0.01% | $100 |
| Fitness Bank vs Capital One | 3.60% | $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 | 3.60% | $0 |
| Fitness Bank vs Marcus by Goldman Sachs | 3.65% | $0 |
| Fitness Bank vs SoFi Bank | 3.80% | $0 |
| Fitness Bank vs Synchrony Bank | 3.80% | $0 |