Capital One vs. Fitness Bank
Comparing Capital One and Fitness Bank for high-yield savings: Capital One's 360 Performance Savings pays 3.20% APY while Fitness Bank's Fitness Elite Checking & Fitness Savings Combo pays 4.50% APY.
Note: Fitness Bank requires a checking account.
See how they compare on rate stability, mobile app ratings, and more below.
The Bottom Line
Who pays more interest on $10,000? Fitness Bank pays $130 more than Capital One annually ($450 vs $320).
Choose Capital One if you want a no-strings-attached account, you value in-person banking, mobile app quality matters, or you want Zelle for quick transfers. Choose Fitness Bank if getting the best rate matters most.
Important Considerations
Fitness Bank requires a checking account to unlock its top savings rate, while Capital One offers its savings account standalone.
| Metric | Capital One360 Performance Savings Mar 24, 2026 | Fitness BankFitness Elite Checking & Fitness Savings Combo Mar 24, 2026 |
|---|---|---|
| APY | 3.20% | 4.50% |
Est. Earnings | $5,000+$160 $10,000+$320 $25,000+$800 | $5,000+$225 $10,000+$450 $25,000+$1,125 |
Min Deposit | $0 | $100 |
Snapshot view. Rates subject to change. | ||
Terms | - | 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. |
| Features | FDIC InsuredNo MinimumsGreat iOS AppGreat Android AppIn-Person AccessZelle® SupportedRate Changes Often | FDIC InsuredLow MinimumsChecking BundleDaily CompoundingRate Changes Often |
Comparison Analysis
Comparing Capital One vs. Fitness Bank
Executive Summary
Fitness Bank offers a superior APY of 4.50% with its Fitness Elite Checking & Fitness Savings Combo, making it the winner in this comparison. This account requires a minimum deposit and balance of $100, and to earn the highest tier, customers must meet specific activity requirements, including maintaining a $5,000 average balance and tracking daily steps. In contrast, Capital One's 360 Performance Savings account provides a competitive APY of 3.20% with no minimum deposit or balance requirements, making it a simpler option for savers. Both banks are FDIC insured and have no direct deposit requirements.
The analysis is based on current Banksparency database records
* This content is provided for informational purposes only; always verify details with the provider.
Why Capital One?
- ✓Physical branch access (Over 200 branches in Louisiana, Maryland, New Jersey, New York, Texas, Virginia and Washington, D.C.)
- ✓Higher rated iOS app (4.8 vs 1.7)
- ✓Higher rated Android app (4.5 vs 0.0)
- ✓Fast transfers via Zelle® (up to $2,500 a day)
Why Fitness Bank?
- ✓Higher potential APY (4.20%-4.50% vs 3.20%) 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. $450 vs $320/yr).
Better Returns at $25,000
Fitness BankFitness Bank's Fitness Elite Checking & Fitness Savings Combo pulls ahead with larger amounts (approx. $1125 vs $800/yr).
Best for Simplicity
Fitness BankFitness Bank's Fitness Savings Account offers 4.20% 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
Capital OneCapital One offers an iOS app rated 4.8 (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 $130 more interest on a $10,000 balance than Capital One's 360 Performance Savings.
*This calculation assumes current rates remain consistent for 1 year and does not include temporary bonuses.
Non-sponsored link to official site
Non-sponsored link to official site
Top Market Contenders
Capital One vs. Fitness Bank Savings Calculator
You earn $130 more with Fitness Bank than Capital One on a $10,000 initial deposit for 1 year*.
*This calculation assumes that APYs remain unchanged for 1 year, and takes into account known promo rate periods, but does not factor in bonuses. You can see how often these banks have changed their rates in the Compare Savings Rates Over Time section below.
Capital One
360 Performance Savings
Savings Breakdown
- Interest Earned+$320.00(3.1%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,320.00
Fitness Bank
Fitness Elite Checking & Fitness Savings Combo
Savings Breakdown
- Interest Earned+$450.00(4.3%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,450.00
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
Still banking with Chase, Bank of America, or Wells Fargo?
On a $10,000 balance, you're missing out on at least $319 per year in interest.
Both Capital One and Fitness Bank dramatically outperform the typical 0.01% APY at traditional big banks.
| Feature | Capital One | Fitness Bank |
|---|---|---|
| APY | 3.20% Verified: 3/24/2026 ↘︎ 0.20%90d Change | 4.50% Verified: 3/24/2026 ↘︎ 0.25%90d Change |
| Product Name | 360 Performance Savings | Fitness Elite Checking & Fitness Savings Combo |
| Minimum Deposit | $0 | $100 |
| Min. Balance for APY | $0 | $100 |
| Monthly Fee | $0 | $10. Waived for average daily balances > $100 |
| Compound Frequency | Monthly | Daily |
| Branch Access | Yes | None |
| Account Type | Online & Branches | Online Only |
| Physical Branches | Over 200 branches in Louisiana, Maryland, New Jersey, New York, Texas, Virginia and Washington, D.C. | N/A |
| Direct Deposit Req. | None | None |
| Checking Bundle | No | Yes |
| Mobile Apps | ||
| FDIC Insured | YesVerify FDIC | YesVerify FDIC |
| Zelle® Support | Available Limit: $2,500/dayAvailable for 360 Checking accounts. | Not Supported |
| 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 | Visit SiteVerify at Capital One Non-sponsored link to official site | Visit SiteVerify at Fitness Bank Non-sponsored link to official site |
📈 Compare Savings Rates Over Time
Historical Performance
| Metric | Capital One | Fitness Bank | |
|---|---|---|---|
| 360 Performance Savings | Fitness Elite Checking & Fitness Savings Combo | Fitness Savings Account | |
Current APY | 3.20% | 4.50% | 4.20% |
Trend | Stable | Stable | Stable |
Velocity (bps/mo) | -3.3 | -4.4 | -2.7 |
Days Since Change | 12 | 49 | 49 |
12-Month High | 3.70% | 5.00% | 4.55% |
12-Month Low | 3.20% | 4.50% | 4.20% |
Adjustments / Mo | 0.41 | 0.25 | 0.25 |
Volatility Score | 0.036 | 0.035 | 0.026 |
How to read these metrics(Click to expand)
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More Comparisons
Compare Capital One's APY of 3.20% with other banks
Compare Fitness Bank's APY of 4.50% with other banks
| Bank Pair | Competitor APY | Min Deposit |
|---|---|---|
| Fitness Bank vs Ally Bank | 3.20% | $0 |
| Fitness Bank vs American Express | 3.20% | $0 |
| Fitness Bank vs Axos Bank | 4.21% | $0 |
| Fitness Bank vs Barclays | 3.85% | $0 |
| Fitness Bank vs Chime | 3.00% | $0 |
| Fitness Bank vs CIT Bank | 3.75% | $100 |
| Fitness Bank vs Discover Bank | 3.30% | $0 |
| Fitness Bank vs EverBank | 3.90% | $0 |
| Fitness Bank vs Marcus by Goldman Sachs | 3.65% | $0 |
| Fitness Bank vs Newtek Bank | 4.20% | $0.01 |
| Fitness Bank vs Openbank | 4.09% | $500 |
| Fitness Bank vs Pibank | 4.60% | $0 |
| Fitness Bank vs SoFi Bank | 4.00% | $0 |
| Fitness Bank vs Synchrony Bank | 3.50% | $0 |
| Fitness Bank vs Varo Bank | 5.00% | $0 |
| Fitness Bank vs Wealthfront | 4.20% | $0 |