Capital One vs Fitness Bank
High-Yield Savings Accounts Comparison
Last Updated: July 7, 2025
Summary of Capital One vs. Fitness Bank
As of July 7, 2025 Capital One offers an APY of 3.50% for its 360 Performance Savings account, compared to Fitness Bank's 5.00% APY for its Fitness Elite Checking & Fitness Savings Combo account.
Fitness Bank yields $150 more than Capital One on a $10,000 balance after one year. Capital One pays $350, while Fitness Bank pays $500 - an APY advantage for Fitness Bank.
In addition, Fitness Bank also offers 4.55% APY for the Fitness Savings Account account.
Capital One
Strengths
- Capital One offers a 3.50% APY, down from 3.60% 30 days ago.
- There are over 200 branches available in multiple states.
- Capital One has a high App Store rating of 4.9.
Potential Drawbacks
- The 360 Performance Savings account has no direct deposit requirement.
- Capital One's APY is lower than Fitness Bank's offerings.
- No tiered rewards system is available.
Fitness Bank
Strengths
- Fitness Bank offers a high APY of 5.00% on tiered accounts.
- The Fitness Savings Account has a competitive APY of 4.55%.
- Fitness Bank has no branches, allowing for potentially lower overhead costs.
Potential Drawbacks
- Fitness Bank has a low App Store rating of 1.7.
- Requires maintaining specific conditions to earn the highest APY.
- There is a maintenance fee of $10 for both accounts.
Summary: Capital One provides a reliable 3.50% APY with no fees and a strong branch presence, but lower than Fitness Bank's 5.00%. Fitness Bank's accounts require meeting specific conditions for higher APYs and have maintenance fees, along with a low App Store rating. Overall, Capital One may appeal to those preferring branch access, while Fitness Bank suits users willing to meet activity requirements for higher returns.
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 7/7/2025) | 4.55% (as of 7/7/2025) | 5.00% (as of 7/7/2025) | |
| 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 | N/A | 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. | |
| Visit Bank | 360 Performance Savings | Fitness Savings Account | Fitness Elite Checking & Fitness Savings Combo | |
| 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 4 Months)
| Capital One | Fitness Bank | |||
|---|---|---|---|---|
| Product | 360 Performance Savings | vs | Fitness Elite Checking & Fitness Savings Combo | Fitness Savings Account |
| Latest APY | 3.50 % | 5.00 % | 4.55 % | |
| Trend | Sideways | Sideways | Sideways | |
| Slope (bps/mo) | -3.9 | 0.0 | -0.0 | |
| Rate Changes / Mo | 0.53 | 0.00 | 0.00 | |
| Days Since Last Change | 11 | 112 | 112 | |
| High (-4 m) | 3.70 % | 5.00 % | 4.55 % | |
| Low (-4 m) | 3.50 % | 5.00 % | 4.55 % | |
| Draw-down from High | -5.4 % | 0.0 % | 0.0 % | |
| Volatility (CV) | 0.015 | 0.000 | 0.000 | |
APY Insights Glossary
- Latest APY
- Most recent advertised annual-percentage yield.
- Trend
- Direction over the last 4 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 (-4 m)
- Highest APY in the last 113 days.
- Low (-4 m)
- Lowest APY in the last 113 days.
- Draw-down from High
- How far today sits below the 4-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: $35 (3.38%)
- Total contributions: $0 (0.00%)
- Initial deposit: $1,000 (96.62%)
Your total balance
$1,035.00
Effective APY: 3.50% (based on your deposit and contributions)
Total balance: $1,035
Earnings: $35
Bank DetailsFitness Bank
APY: 5.00%
Total savings breakdown:
- Interest earned: $50 (4.76%)
- Total contributions: $0 (0.00%)
- Initial deposit: $1,000 (95.24%)
Your total balance
$1,050.00
Effective APY: 5.00% (based on your deposit and contributions)
Total balance: $1,050
Earnings: $50
Bank DetailsAfter 1 year Capital One would earn you $15 less than Fitness Bank.
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 | 3.60% | $0 |
| Capital One vs Axos Bank | 4.66% | $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 SoFi Bank | 3.80% | $0 |
| Capital One vs Synchrony Bank | 3.80% | $0 |
| Capital One vs Varo Bank | 5.00% | $0 |
Compare Fitness Bank's APY of 5.00% with other banks
| Bank Pair | Best APY | Min Deposit |
|---|---|---|
| Fitness Bank vs Ally Bank | 3.50% | $0 |
| Fitness Bank vs American Express | 3.60% | $0 |
| Fitness Bank vs Axos Bank | 4.66% | $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 SoFi Bank | 3.80% | $0 |
| Fitness Bank vs Synchrony Bank | 3.80% | $0 |
| Fitness Bank vs Varo Bank | 5.00% | $0 |