Chase Bank vs. Fitness Bank
High-Yield Savings Account Comparison
By Aviel Fahl|Last Updated: November 1, 2025
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Summary of Chase Bank vs. Fitness Bank
Key Metrics at a Glance
| Feature | Chase Bank | Fitness Bank |
|---|---|---|
| Top Savings APY | 0.01% Chase Savings℠ | 4.75% Fitness Elite Checking & Fitness Savings Combo |
| Minimum to Open | $0 | $100 |
| Minimum Balance for Top APY | $0 | $100 |
| 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 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. |
Chase Bank
Strengths
- Chase Bank has a higher App Store rating at 4.8.
- Chase Bank's BBB rating is A-, indicating good trustworthiness.
Potential Drawbacks
- Chase Bank offers a very low APY of 0.01%.
- Chase Bank has a monthly maintenance fee of $5.
Fitness Bank
Strengths
- Fitness Bank offers a significantly higher APY of 4.75%.
- Fitness Bank's BBB rating is A+, reflecting excellent trustworthiness.
Potential Drawbacks
- Fitness Bank has a low App Store rating of 1.7.
- Fitness Bank requires a $100 minimum deposit and balance.
Summary: Chase Bank provides a low APY of 0.01% with a solid BBB rating of A- and a higher App Store rating of 4.8. In contrast, Fitness Bank offers a much higher APY of 4.75% but requires a $100 minimum deposit and has a lower App Store rating of 1.7. Fitness Bank's BBB rating is A+, indicating better trustworthiness than Chase Bank.
→ As of November 1, 2025 Chase Bank offers an APY of 0.01% for its Chase Savings℠ account, with a minimum balance of $0, 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 $474 more than Chase Bank on a $10,000 balance after one year. Chase Bank pays $1, 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 Chase Bank vs Fitness Bank
All calculations are based on APY.
Chase Bank - Chase Savings℠
Top APY: 0.01%
Total savings breakdown:
- Interest earned: $5.7 (0.03%)
- Total contributions: $13,000 (72.20%)
- Initial deposit: $5,000 (27.77%)
Your total balance
$18,005.70
Effective APY: 0.01% (based on your deposit and contributions)
Total balance: $18,005.7
Earnings: $5.7
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, Chase Bank's total earnings would be $2,919 lower than Fitness Bank's total earnings.
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
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 11/1/2025) | 4.45% (as of 11/1/2025) | 4.75% (as of 11/1/2025) | |
| 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 | $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. | |
| 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 8 Months)
| Chase Bank | Fitness Bank | |||
|---|---|---|---|---|
| Product | Chase Savings℠ | vs | Fitness Elite Checking & Fitness Savings Combo | Fitness Savings Account |
| Latest APY | 0.01 % | 4.75 % | 4.45 % | |
| Trend | Sideways | Sideways | Sideways | |
| Slope (bps/mo) | -0.0 | -4.3 | -1.7 | |
| Rate Changes / Mo | 0.00 | 0.26 | 0.26 | |
| Days Since Last Change | 229 | 59 | 59 | |
| High (-8 m) | 0.01 % | 5.00 % | 4.55 % | |
| Low (-8 m) | 0.01 % | 4.75 % | 4.45 % | |
| Draw-down from High | 0.0 % | -5.0 % | -2.2 % | |
| Volatility (CV) | 0.000 | 0.023 | 0.010 | |
APY Insights Glossary
- Latest APY
- Most recent advertised annual-percentage yield.
- Trend
- Direction over the last 8 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 (-8 m)
- Highest APY in the last 230 days.
- Low (-8 m)
- Lowest APY in the last 230 days.
- Draw-down from High
- How far today sits below the 8-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.