Chase Bank vs Fitness Bank
High-Yield Savings Accounts Comparison
Last Updated: June 16, 2025
Summary of Chase Bank vs. Fitness Bank
As of June 16, 2025 Chase Bank offers an APY of 0.01% for its Chase Savings℠ account, compared to Fitness Bank's 5.00% APY for its Fitness Elite Checking & Fitness Savings Combo account.
Fitness Bank yields $499 more than Chase Bank on a $10,000 balance after one year. Chase Bank pays $1, 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.
Chase Bank
Strengths
- Chase Bank has a higher App Store rating of 4.8 compared to Fitness Bank's 1.7.
- Chase Bank's BBB rating is A-, which is solid but lower than Fitness Bank's A+.
Potential Drawbacks
- Chase Bank offers a low APY of 0.01%, unchanged from 30 days ago.
- Chase Bank has a maintenance fee of $5, which may apply without meeting certain conditions.
Fitness Bank
Strengths
- Fitness Bank offers a high APY of 5.00%, unchanged from 30 days ago.
- Fitness Bank has a superior BBB rating of A+.
Potential Drawbacks
- Fitness Bank has a low App Store rating of 1.7 and a Google Play rating of 0.0.
- Fitness Bank has a higher maintenance fee of $10, though it can be waived.
Summary: Chase Bank provides a low APY of 0.01% with an A- BBB rating and higher app ratings. In contrast, Fitness Bank offers a competitive APY of 5.00% with an A+ BBB rating but has poor app ratings and higher fees. Customers may prioritize higher yields or app performance based on their banking needs.
Compare Chase Bank's vs Fitness Bank's Savings Accounts
| Chase Bank | Fitness Bank | |||
|---|---|---|---|---|
| Product | Chase Savings℠ | vs | Fitness Savings Account | Fitness Elite Checking & Fitness Savings Combo |
| APY | 0.01% (as of 6/16/2025) | 4.55% (as of 6/16/2025) | 5.00% (as of 6/16/2025) | |
| 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 | $5 | $10. Waived for average daily balances > $100 | $10. Waived for average daily balances > $100 | |
| Direct Deposit Required | No | No | No | |
| Note | APY may vary by market. The maintenance fee may be waived under some circumstances, such as if the account balance is maintained with at least $300 each day, or you set up automatic transfers from a linked Chase account, etc. | 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 | Chase Savings℠ | Fitness Savings Account | Fitness Elite Checking & Fitness Savings Combo | |
| App Store Rating | 4.8/5 | 1.7/5 | ||
| Google Play Rating | 4.5/5 | No | ||
| BBB Rating | A- | A+ | ||
Comparative Historical APY Insights (Last 3 Months)
| Chase Bank | Fitness Bank | |||
|---|---|---|---|---|
| Product | Chase Savings℠ | vs | Fitness Elite Checking & Fitness Savings Combo | Fitness Savings Account |
| Latest APY | 0.01 % | 5.00 % | 4.55 % | |
| Trend | Sideways | Sideways | Sideways | |
| Slope (bps/mo) | 0.0 | 0.0 | 0.0 | |
| Rate Changes / Mo | 0.00 | 0.00 | 0.00 | |
| Days Since Last Change | 91 | 91 | 91 | |
| High (-3 m) | 0.01 % | 5.00 % | 4.55 % | |
| Low (-3 m) | 0.01 % | 5.00 % | 4.55 % | |
| Draw-down from High | 0.0 % | 0.0 % | 0.0 % | |
| Volatility (CV) | 0.000 | 0.000 | 0.000 | |
APY Insights Glossary
- Latest APY
- Most recent advertised annual-percentage yield.
- Trend
- Direction over the last 3 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 (-3 m)
- Highest APY in the last 92 days.
- Low (-3 m)
- Lowest APY in the last 92 days.
- Draw-down from High
- How far today sits below the 3-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 Chase Bank vs Fitness Bank
All calculations are based on APY.
Chase Bank
APY: 0.01%
Total savings breakdown:
- Interest earned: $0.1 (0.01%)
- Total contributions: $0 (0.00%)
- Initial deposit: $1,000 (99.99%)
Your total balance
$1,000.10
Effective APY: 0.01% (based on your deposit and contributions)
Total balance: $1,000.1
Earnings: $0.1
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 Chase Bank would earn you $49.9 less than Fitness Bank.
More Comparisons
Compare Chase Bank's APY of 0.01% with other banks
| Bank Pair | Best APY | Min Deposit |
|---|---|---|
| Chase Bank vs Ally Bank | 3.60% | $0 |
| Chase Bank vs American Express | 3.60% | $0 |
| Chase Bank vs Axos Bank | 4.66% | $0 |
| Chase Bank vs Bank of America | 0.01% | $100 |
| Chase Bank vs Barclays | 4.20% | $0 |
| Chase Bank vs Capital One | 3.60% | $0 |
| Chase Bank vs Chime | 3.75% | $0 |
| Chase Bank vs CIT Bank | 4.00% | $100 |
| Chase Bank vs Discover Bank | 3.60% | $0 |
| Chase Bank vs Marcus by Goldman Sachs | 3.65% | $0 |
| Chase Bank vs SoFi Bank | 3.80% | $0 |
| Chase Bank vs Synchrony Bank | 3.80% | $0 |
| Chase Bank 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 | 3.60% | $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 | 4.20% | $0 |
| Fitness Bank vs Capital One | 3.60% | $0 |
| Fitness Bank vs Chime | 3.75% | $0 |
| Fitness Bank vs CIT Bank | 4.00% | $100 |
| Fitness Bank vs Discover Bank | 3.60% | $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 |