Bread Savings vs. Fitness Bank
Compare rates, requirements, and features side-by-side to find the best option for you.
Bread Savings
High-Yield Savings Account
4.10%APYDec 10, 2025FDIC InsuredLow MinimumsGreat iOS AppGreat Android AppShow Fine Print & Trends Hide Details
Bread Savings
High-Yield Savings Account
Fitness Bank
Fitness Elite Checking & Fitness Savings Combo
4.75%APYDec 10, 2025FDIC InsuredChecking BundleLow MinimumsShow Fine Print & Trends Hide Details
Fitness Bank
Fitness Elite Checking & Fitness Savings Combo
Prefer In-Person Banking?
Both of these banks are online-only. If you need physical branch access, check out our list of high-yield accounts with brick-and-mortar locations.
Bread Savings vs. Fitness Bank Savings Calculator
Fitness Bank earns $425.3 more than Bread Savings.
Bread Savings
High-Yield Savings Account
Savings Breakdown
- Interest Earned+$2,499.40(12.2%)
- Total Contributions$13,000
- Initial Deposit$5,000
Projected Balance
$20,499.40
Fitness Bank
Fitness Elite Checking & Fitness Savings Combo
Savings Breakdown
- Interest Earned+$2,924.70(14.0%)
- Total Contributions$13,000
- Initial Deposit$5,000
Projected Balance
$20,924.70
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
Comparison Analysis
Comparing Bread Savings vs. Fitness Bank
Why Bread Savings?
- ✓Higher rated iOS app (4.7 vs 1.7)
- ✓Higher rated Android app (4.5 vs 0.0)
Why Fitness Bank?
- ✓Higher potential APY (4.45%-4.75% vs 4.10%) on all balances
- ✓Offers 2 different high-yield savings options
— Key Feature Differences —
Better Returns at $10,000
Fitness BankFitness Bank's Fitness Elite Checking & Fitness Savings Combo earns more on smaller deposits (approx. $475 vs $410/yr).
Better Returns at $25,000
Fitness BankFitness Bank's Fitness Elite Checking & Fitness Savings Combo pulls ahead with larger amounts (approx. $1188 vs $1025/yr).
Best for Simplicity
Fitness BankFitness Bank's Fitness Savings Account offers 4.45% APY with no bundling, direct deposit requirement or caps.
Best for All-in-One Banking
Fitness BankFitness Bank's Fitness Elite Checking & Fitness Savings Combo pays a superior APY for customers who also open a checking account.
Best Mobile App Experience
Bread SavingsBread Savings offers an iOS app rated 4.7 (vs. 1.7) and Android app rated 4.5 (vs. 0.0)
Shared Benefits
Over a 1-year period, Fitness Bank's Fitness Elite Checking & Fitness Savings Combo pays $65 more interest on a $10,000 balance than Bread Savings's High-Yield Savings Account.
*This calculation assumes current rates remain consistent for 1 year and does not include temporary bonuses.
Executive Summary
Fitness Bank offers a competitive Fitness Elite Checking & Fitness Savings Combo with an impressive APY of 4.75%, making it the highest-yielding option compared to Bread Savings' High-Yield Savings Account at 4.10%. The Fitness Savings Account provides a solid alternative at 4.45% APY without the need for a checking account or direct deposit. However, the Fitness Elite account requires tracking daily steps and maintaining specific balances to achieve the highest APY. Both banks operate online only, with no physical branches, and require a minimum deposit of $100. Bread Savings is noted for its excellent mobile app experience.
Analysis generated based on current Banksparency database records
* AI-generated content provided for informational purposes only. Accuracy is not guaranteed; always verify details with the provider.
| Feature | Bread Savings | Fitness Bank |
|---|---|---|
| APY | 4.10% Verified: 12/10/2025 ↘︎ 0.15%90d Change | 4.75% Verified: 12/10/2025 Stable (90d) |
| Product Name | High-Yield Savings Account | Fitness Elite Checking & Fitness Savings Combo |
| Minimum Deposit | $100 | $100 |
| Min. Balance for APY | $0 | $100 |
| Monthly Fee | $0 | $10. Waived for average daily balances > $100 |
| Branch Access | None | None |
| Account Type | Online Only | Online Only |
| Direct Deposit Req. | None | None |
| Checking Bundle | No | Yes |
| Mobile Apps | iOS4.7 Android4.5 | iOS1.7 Android0.0 |
| BBB Rating | A+ | A+ |
| Important Notes | - | 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. |
| Next Steps |
📈 Compare Savings Rates Over Time
Historical Performance
| Metric | Bread Savings | Fitness Bank | |
|---|---|---|---|
| High-Yield Savings Account | Fitness Elite Checking & Fitness Savings Combo | Fitness Savings Account | |
Current APY | 4.10% | 4.75% | 4.45% |
Trend | Stable | Stable | Stable |
Velocity (bps/mo) | -2.7 | -4.0 | -1.6 |
Days Since Change | 5 | 98 | 98 |
9-Month High | 4.40% | 5.00% | 4.55% |
9-Month Low | 4.10% | 4.75% | 4.45% |
Adjustments / Mo | 0.67 | 0.22 | 0.22 |
Volatility Score | 0.018 | 0.024 | 0.010 |
How to read these metrics(Click to expand)
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