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.
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 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 | 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 5 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 % | 4.85 % | 4.50 % | |
Trend | Falling | Falling | Sideways | Sideways | |
Slope (bps/mo) | -5.2 | -8.1 | -0.2 | -0.1 | |
Rate Changes / Mo | 0.86 | 1.08 | 0.22 | 0.22 | |
Days Since Last Change | 53 | 45 | 1 | 1 | |
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) | 0.020 | 0.027 | 0.003 | 0.001 |
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
Barclays
⚠️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
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
Total balance: $20,990.9
Earnings: $2,990.9
Bank OverviewWith 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
Bank Pair | Best 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 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 Marcus by Goldman Sachs | 3.65% | $0 |
Barclays vs Presidential Bank | 4.50% | $5,000 |
Barclays vs SoFi Bank | 3.80% | $0 |
Barclays vs Synchrony Bank | 3.80% | $0 |
Barclays vs UFB Direct | 4.21% | $5000 |
Barclays vs Varo Bank | 5.00% | $0 |
Barclays vs Wells Fargo | 2.51% | $25 |
Compare Fitness Bank's APY of 4.85% with other banks
Bank Pair | Best APY | Min Deposit |
---|---|---|
Fitness Bank vs Ally Bank | 3.50% | $0 |
Fitness Bank vs American Express | 3.50% | $0 |
Fitness Bank vs Axos Bank | 4.46% | $0 |
Fitness Bank vs Bank of America | 0.01% | $100 |
Fitness Bank vs Capital One | 3.50% | $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 | 3.50% | $0 |
Fitness Bank vs Marcus by Goldman Sachs | 3.65% | $0 |
Fitness Bank vs Presidential Bank | 4.50% | $5,000 |
Fitness Bank vs SoFi Bank | 3.80% | $0 |
Fitness Bank vs Synchrony Bank | 3.80% | $0 |
Fitness Bank vs UFB Direct | 4.21% | $5000 |
Fitness Bank vs Varo Bank | 5.00% | $0 |
Fitness Bank vs Wells Fargo | 2.51% | $25 |