Capital One vs Fitness Bank
High-Yield Savings Accounts Comparison
Last Updated: August 1, 2025
We earn a commission if you open an account through some links on this page.
Summary of Capital One vs. Fitness Bank
As of August 1, 2025 Capital One offers an APY of 3.50% for its 360 Performance Savings account, compared to Fitness Bank's 4.85% APY for its Fitness Elite Checking & Fitness Savings Combo account.
Fitness Bank yields $135 more than Capital One on a $10,000 balance after one year. Capital One pays $350, while Fitness Bank pays $485 - an APY advantage for Fitness Bank.
In addition, Fitness Bank also offers 4.50% APY for the Fitness Savings Account account.
Capital One
Strengths
- Capital One offers a 3.50% APY with no tier requirements.
- Capital One has over 200 branches across multiple states.
- Capital One has a high App Store rating of 4.9.
Potential Drawbacks
- Capital One's APY has remained unchanged over the last 30 days.
Fitness Bank
Strengths
- Fitness Bank offers a higher APY of 4.85% for eligible accounts.
- Fitness Bank provides a tiered savings account with potential for higher earnings.
Potential Drawbacks
- Fitness Bank has a low App Store rating of 1.7 and a Google Play rating of 0.0.
- Fitness Bank's APY decreased from 5.00% in the last 30 days.
- Fitness Bank requires maintaining a $5,000 average balance for the highest APY.
Summary: Capital One provides a stable 3.50% APY without requirements, alongside a strong branch presence and high app ratings. In contrast, Fitness Bank offers a higher 4.85% APY but with strict tier requirements and low app ratings. Additionally, Fitness Bank's APY has decreased recently, while Capital One's remains constant.
Compare Capital One's vs Fitness Bank's Savings Accounts
| Capital One | Fitness Bank | |||
|---|---|---|---|---|
| Product | 360 Performance Savings | vs | Fitness Savings Account | Fitness Elite Checking & Fitness Savings Combo |
| APY | 3.50% (as of 8/1/2025) | 4.50% (as of 8/1/2025) | 4.85% (as of 8/1/2025) | |
| Bundled Account | No | No | Yes | |
| FDIC-insured | Yes | Yes | Yes | |
| Online Only | No | Yes | Yes | |
| Compound Frequency | Monthly | Daily | Daily | |
| Minimum Deposit | $0 | $100 | $100 | |
| Minimum Balance for APY | $0 | $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 | 4.9/5 | 1.7/5 | ||
| Google Play Rating | 4.5/5 | No | ||
| BBB Rating | A+ | A+ | ||
Comparative Historical APY Insights (Last 5 Months)
| Capital One | Fitness Bank | |||
|---|---|---|---|---|
| Product | 360 Performance Savings | vs | Fitness Elite Checking & Fitness Savings Combo | Fitness Savings Account |
| Latest APY | 3.50 % | 4.85 % | 4.50 % | |
| Trend | Sideways | Sideways | Sideways | |
| Slope (bps/mo) | -4.2 | -0.2 | -0.1 | |
| Rate Changes / Mo | 0.43 | 0.22 | 0.22 | |
| Days Since Last Change | 37 | 1 | 1 | |
| High (-5 m) | 3.70 % | 5.00 % | 4.55 % | |
| Low (-5 m) | 3.50 % | 4.85 % | 4.50 % | |
| Draw-down from High | -5.4 % | -3.0 % | -1.1 % | |
| Volatility (CV) | 0.018 | 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 Capital One vs Fitness Bank
All calculations are based on APY.
Capital One
APY: 3.50%
Total savings breakdown:
- Interest earned: $2,114.1 (10.51%)
- Total contributions: $13,000 (64.63%)
- Initial deposit: $5,000 (24.86%)
Your total balance
$20,114.10
Effective APY: 3.50% (based on your deposit and contributions)
Total balance: $20,114.1
Earnings: $2,114.1
Bank OverviewFitness Bank
APY: 4.85%
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
Effective APY: 4.85% (based on your deposit and contributions)
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, Capital One's total earnings would be $876.8 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 Capital One's APY of 3.50% with other banks
| Bank Pair | Best APY | Min Deposit |
|---|---|---|
| Capital One vs Ally Bank | 3.50% | $0 |
| Capital One vs American Express | 3.50% | $0 |
| Capital One vs Axos Bank | 4.46% | $0 |
| Capital One vs Bank of America | 0.01% | $100 |
| Capital One vs Barclays | 4.10% | $0 |
| Capital One vs Chase Bank | 0.01% | $0 |
| Capital One vs Chime | 3.75% | $0 |
| Capital One vs CIT Bank | 4.00% | $100 |
| Capital One vs Discover Bank | 3.50% | $0 |
| Capital One vs Marcus by Goldman Sachs | 3.65% | $0 |
| Capital One vs Presidential Bank | 4.50% | $5,000 |
| Capital One vs SoFi Bank | 3.80% | $0 |
| Capital One vs Synchrony Bank | 3.80% | $0 |
| Capital One vs UFB Direct | 4.21% | $5000 |
| Capital One vs Varo Bank | 5.00% | $0 |
| Capital One 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 Barclays | 4.10% | $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 |