Briodirect vs. Fitness Bank
High-Yield Savings Account Comparison
By Aviel Fahl|Last Updated: October 21, 2025
We earn a commission if you open an account through some links on this page.
Summary of BrioDirect vs. Fitness Bank
Key Metrics at a Glance
| Feature | BrioDirect | Fitness Bank |
|---|---|---|
| Top Savings APY | 4.20% High-Yield Savings Account | 4.75% Fitness Elite Checking & Fitness Savings Combo |
| Minimum to Open | $5,000 | $100 |
| Minimum Balance for Top APY | $25 | $100 |
| Note | 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. |
BrioDirect
Strengths
- BrioDirect offers a competitive APY of 4.20%, although it decreased from 4.30% last month.
- No maintenance fees for BrioDirect's High-Yield Savings Account.
- BrioDirect has a solid App Store rating of 4.7.
Potential Drawbacks
- BrioDirect's BBB rating is B- and it is not BBB Accredited.
- Requires a minimum deposit of $5,000 for BrioDirect's High-Yield Savings Account.
- No branches available for BrioDirect customers.
Fitness Bank
Strengths
- Fitness Bank offers a higher APY of 4.75% for its Fitness Elite Checking & Fitness Savings Combo.
- Fitness Bank has an A+ BBB rating, indicating strong trustworthiness.
- Fitness Bank's Fitness Savings Account has an APY of 4.45%.
Potential Drawbacks
- Fitness Bank has a low App Store rating of 1.7 and a Google Play rating of 0.0.
- Fitness Bank charges a $10 maintenance fee, waived only under certain conditions.
- Fitness Bank's accounts have complex requirements to earn the highest APY.
Summary: BrioDirect offers a high-yield savings account with a 4.20% APY and no maintenance fees, but has a B- BBB rating. In contrast, Fitness Bank provides a higher APY of 4.75% but has complex requirements and a $10 maintenance fee. Fitness Bank boasts an A+ BBB rating but suffers from poor app ratings. Overall, BrioDirect may appeal to those seeking straightforward terms, while Fitness Bank may attract users willing to meet specific activity requirements for higher returns.
→ As of October 21, 2025 BrioDirect offers an APY of 4.20% for its High-Yield Savings Account, with a minimum balance of $25, 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 $55 more than BrioDirect on a $10,000 balance after one year. BrioDirect pays $420, while Fitness Bank pays $475 - an APY advantage for Fitness Bank.
→ In addition, Fitness Bank also offers 4.45% APY for the Fitness Savings Account account.
Calculate Savings Growth for BrioDirect vs Fitness Bank
All calculations are based on APY.
BrioDirect - High-Yield Savings Account
Top APY: 4.20%
Total savings breakdown:
- Interest earned: $2,564.3 (12.47%)
- Total contributions: $13,000 (63.22%)
- Initial deposit: $5,000 (24.31%)
Your total balance
$20,564.30
Effective APY: 4.20% (based on your deposit and contributions)
Total balance: $20,564.3
Earnings: $2,564.3
Bank OverviewFitness Bank - Fitness Elite Checking & Fitness Savings Combo
Top 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, BrioDirect's total earnings would be $360.4 lower than Fitness Bank's total earnings.
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
Compare BrioDirect's vs Fitness Bank's Savings Accounts
| BrioDirect | Fitness Bank | |||
|---|---|---|---|---|
| Product | High-Yield Savings Account | vs | Fitness Savings Account | Fitness Elite Checking & Fitness Savings Combo |
| APY | 4.20% (as of 10/21/2025) | 4.45% (as of 10/21/2025) | 4.75% (as of 10/21/2025) | |
| Bundled Account | No | No | Yes | |
| FDIC-insured | Yes | Yes | Yes | |
| Online Only | Yes | Yes | Yes | |
| Compound Frequency | Daily | Daily | Daily | |
| Minimum Deposit | $5,000 | $100 | $100 | |
| Minimum Balance for APY | $25 | $100 | $100 | |
| Maintenance Fee | $0 | $10. Waived for average daily balances > $100 | $10. Waived for average daily balances > $100 | |
| Direct Deposit Required | No | No | No | |
| Note | 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 | 4.7/5 | 1.7/5 | ||
| Google Play Rating | 4.3/5 | No | ||
| BBB Rating | B- | A+ | ||
Comparative Historical APY Insights (Last 7 Months)
| BrioDirect | Fitness Bank | |||
|---|---|---|---|---|
| Product | High-Yield Savings Account | vs | Fitness Elite Checking & Fitness Savings Combo | Fitness Savings Account |
| Latest APY | 4.20 % | 4.75 % | 4.45 % | |
| Trend | Sideways | Sideways | Sideways | |
| Slope (bps/mo) | -3.3 | -4.2 | -1.7 | |
| Rate Changes / Mo | 0.55 | 0.27 | 0.27 | |
| Days Since Last Change | 14 | 48 | 48 | |
| High (-7 m) | 4.50 % | 5.00 % | 4.55 % | |
| Low (-7 m) | 4.20 % | 4.75 % | 4.45 % | |
| Draw-down from High | -6.7 % | -5.0 % | -2.2 % | |
| Volatility (CV) | 0.019 | 0.021 | 0.009 | |
APY Insights Glossary
- Latest APY
- Most recent advertised annual-percentage yield.
- Trend
- Direction over the last 7 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 (-7 m)
- Highest APY in the last 219 days.
- Low (-7 m)
- Lowest APY in the last 219 days.
- Draw-down from High
- How far today sits below the 7-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.