Chase Bank vs Fitness Bank
High-Yield Savings Accounts Comparison
Last Updated: September 16, 2025
We earn a commission if you open an account through some links on this page.
Summary of Chase Bank vs. Fitness Bank
As of September 16, 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.
Chase Bank
Strengths
- Chase Bank has a higher App Store rating at 4.8.
- Chase Bank offers a $0 minimum deposit requirement.
Potential Drawbacks
- Chase Bank's APY is only 0.01%, significantly lower than Fitness Bank.
Fitness Bank
Strengths
- Fitness Bank's highest APY is 4.75%, though it decreased from 4.85% recently.
- Fitness Bank has an A+ BBB rating, indicating higher trustworthiness.
Potential Drawbacks
- Fitness Bank's App Store rating is low at 1.7, and Google Play rating is 0.0.
- Fitness Bank requires a $100 minimum deposit and balance.
Summary: Chase Bank offers a very low APY of 0.01% with no minimum deposit, while Fitness Bank provides a higher APY of 4.75%, though it requires a $100 minimum deposit. Fitness Bank has a better BBB rating (A+) compared to Chase Bank (A-), but its app ratings are significantly lower, suggesting potential user dissatisfaction. Overall, Fitness Bank may appeal more for higher interest, while Chase Bank is simpler for those avoiding deposit requirements.
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 9/16/2025) | 4.45% (as of 9/16/2025) | 4.75% (as of 9/16/2025) | |
| 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. | |
| 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 6 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 | -3.4 | -1.3 | |
| Rate Changes / Mo | 0.00 | 0.33 | 0.33 | |
| Days Since Last Change | 183 | 13 | 13 | |
| High (-6 m) | 0.01 % | 5.00 % | 4.55 % | |
| Low (-6 m) | 0.01 % | 4.75 % | 4.45 % | |
| Draw-down from High | 0.0 % | -5.0 % | -2.2 % | |
| Volatility (CV) | 0.000 | 0.016 | 0.007 | |
APY Insights Glossary
- Latest APY
- Most recent advertised annual-percentage yield.
- Trend
- Direction over the last 6 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 (-6 m)
- Highest APY in the last 184 days.
- Low (-6 m)
- Lowest APY in the last 184 days.
- Draw-down from High
- How far today sits below the 6-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: $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
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.
More Comparisons
Compare Chase Bank's APY of 0.01% with other banks
| Bank Pair | Competitor APY | Min Deposit |
|---|---|---|
| Chase Bank vs Ally Bank | 3.50% | $0 |
| Chase Bank vs American Express | 3.50% | $0 |
| Chase Bank vs Axos Bank | 4.46% | $0 |
| Chase Bank vs Bank of America | 0.01% | $100 |
| Chase Bank vs Barclays | 4.10% | $0 |
| Chase Bank vs BrioDirect | 4.30% | $5,000 |
| Chase Bank vs Capital One | 3.50% | $0 |
| Chase Bank vs Chime | 3.75% | $0 |
| Chase Bank vs CIT Bank | 4.00% | $100 |
| Chase Bank vs Discover Bank | 3.50% | $0 |
| Chase Bank vs Elevault | 4.60% | $0 |
| Chase Bank vs EverBank | 4.30% | $0 |
| Chase Bank vs FVCbank | 4.35% | $500 |
| Chase Bank vs GO2bank | 4.50% | $0 |
| Chase Bank vs Marcus by Goldman Sachs | 3.65% | $0 |
| Chase Bank vs Neighbors Bank | 4.60% | $0 |
| Chase Bank vs Newtek Bank | 4.35% | $0 |
| Chase Bank vs Peak Bank | 4.35% | $100 |
| Chase Bank vs Pibank | 4.60% | $0 |
| Chase Bank vs Presidential Bank | 4.50% | $5,000 |
| Chase Bank vs Santander Bank | 0.03% | $25 |
| Chase Bank vs SoFi Bank | 4.50% | $0 |
| Chase Bank vs Synchrony Bank | 3.80% | $0 |
| Chase Bank vs TIMBR | 4.40% | $1,000 |
| Chase Bank vs UFB Direct | 4.21% | $5000 |
| Chase Bank vs Varo Bank | 5.00% | $0 |
| Chase Bank vs Wells Fargo | 2.51% | $25 |
| Chase Bank vs Zynlo Bank | 4.35% | $10 |