Barclays vs. Fitness Bank
High-Yield Savings Account Comparison
By Aviel Fahl|Last Updated: November 1, 2025
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Summary of Barclays vs. Fitness Bank
Key Metrics at a Glance
| Feature | Barclays | Fitness Bank |
|---|---|---|
| Top Savings APY | 4.10% Tiered Savings | 4.75% Fitness Elite Checking & Fitness Savings Combo |
| Minimum to Open | $0 | $100 |
| Minimum Balance for Top APY | $250,000 | $100 |
| 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 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. |
Barclays
Strengths
- Barclays offers a Tiered Savings account with a competitive APY of 4.10% for balances over $250,000.
- Barclays has a strong BBB rating of A+ and is BBB Accredited.
- Barclays has high App Store and Google Play ratings of 4.8 and 4.7, respectively.
Potential Drawbacks
- Barclays' Tiered Savings account requires a minimum balance of $250,000 to earn the highest APY.
- Barclays has no physical branches, operating exclusively online.
Fitness Bank
Strengths
- Fitness Bank offers a higher APY of 4.75% for its Fitness Elite Checking & Fitness Savings Combo.
- Fitness Bank has a unique APY structure based on fitness activity and account maintenance.
- Fitness Bank's Fitness Savings Account has a competitive APY of 4.45%.
Potential Drawbacks
- Fitness Bank has low App Store and Google Play ratings of 1.7 and 0.0, indicating potential customer dissatisfaction.
- Fitness Bank charges a maintenance fee of $10, which can be waived under specific conditions.
→ As of November 1, 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.
Calculate Savings Growth for Barclays vs Fitness Bank
Barclays - Tiered Savings
⚠️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
Total balance: $20,370.2
Earnings: $2,370.2
Bank OverviewFitness Bank - Fitness Elite Checking & Fitness Savings Combo
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
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.
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 11/1/2025) | 3.70% (as of 11/1/2025) | 4.45% (as of 11/1/2025) | 4.75% (as of 11/1/2025) | |
| 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 8 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 | Sideways | Sideways | Sideways | |
| Slope (bps/mo) | -2.6 | -4.2 | -4.3 | -1.7 | |
| Rate Changes / Mo | 0.52 | 0.65 | 0.26 | 0.26 | |
| Days Since Last Change | 144 | 136 | 59 | 59 | |
| High (-8 m) | 3.90 % | 4.40 % | 5.00 % | 4.55 % | |
| Low (-8 m) | 3.70 % | 4.10 % | 4.75 % | 4.45 % | |
| Draw-down from High | -5.1 % | -6.8 % | -5.0 % | -2.2 % | |
| Volatility (CV) | 0.019 | 0.027 | 0.023 | 0.010 | |
APY Insights Glossary
- Latest APY
- Most recent advertised annual-percentage yield.
- Trend
- Direction over the last 8 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 (-8 m)
- Highest APY in the last 230 days.
- Low (-8 m)
- Lowest APY in the last 230 days.
- Draw-down from High
- How far today sits below the 8-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.