Citibank vs. Fitness Bank
Compare rates, requirements, and features side-by-side to find the best option for you.
| Metric | CitibankCiti Accelerate Savings Jan 7, 2026 | Fitness BankFitness Elite Checking & Fitness Savings Combo Jan 7, 2026 |
|---|---|---|
| APY | 3.30% | 4.75% |
Est. Earnings | $5,000+$165 $10,000+$330 $25,000+$825 | $5,000+$238 $10,000+$475 $25,000+$1,188 |
Min Deposit | $0 | $100 |
Snapshot view. Rates subject to change. | ||
Terms | Eligibility restricted to select states. | 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 AppZelle® Supported | FDIC InsuredLow MinimumsChecking Bundle |
Prefer In-Person Banking?
Both of these banks are online-only. If you need physical branch access, check out our list of high-yield accounts with brick-and-mortar locations.
Comparison Analysis
Comparing Citibank vs. Fitness Bank
As of Citibank offers an APY of 3.30% for its Citi Accelerate Savings account, with a minimum balance of $0.01, 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 pays $145 more than Citibank on a $10,000 balance after one year. Citibank pays $330, while Fitness Bank pays $475 - an APY advantage for Fitness Bank.
In addition, Citibank also offers 0.03% APY for the Citi® Savings Account account, with a minimum balance of $0.01, while Fitness Bank offers 4.45% APY for the Fitness Savings Account account, with a minimum balance of $100.
Why Citibank?
- ✓Physical branch access (U.S. branches are concentrated in six metropolitan areas, New York City, Chicago, Los Angeles, San Francisco, Washington, D.C., and Miami.)
- ✓Higher rated iOS app (4.9 vs 1.7)
- ✓Higher rated Android app (4.8 vs 0.0)
- ✓Fast transfers via Zelle® (up to $2,500 a day)
Why Fitness Bank?
- ✓Higher potential APY (4.45%-4.75% vs 3.30%) on all balances
- ✓Offers 2 different high-yield savings options
- ✓Available Nationwide
— Key Feature Differences —
Better Returns at $10,000
Fitness BankFitness Bank's Fitness Elite Checking & Fitness Savings Combo earns more on smaller deposits (approx. $475 vs $330/yr).
Better Returns at $25,000
Fitness BankFitness Bank's Fitness Elite Checking & Fitness Savings Combo pulls ahead with larger amounts (approx. $1188 vs $825/yr).
Best for Simplicity
Fitness BankFitness Bank's Fitness Savings Account offers 4.45% 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
CitibankCitibank offers an iOS app rated 4.9 (vs. 1.7) and Android app rated 4.8 (vs. 0.0)
Shared Benefits
Over a 1-year period, Fitness Bank's Fitness Elite Checking & Fitness Savings Combo pays $145 more interest on a $10,000 balance than Citibank's Citi Accelerate Savings.
*This calculation assumes current rates remain consistent for 1 year and does not include temporary bonuses.
Executive Summary as of
Fitness Bank offers a standout Fitness Savings Account with a competitive APY of 4.45%, requiring a minimum deposit and balance of $100, but no direct deposit or bundling is necessary. In comparison, Citibank's top product, the Citi Accelerate Savings, provides a lower APY of 3.30% and is available only in select states, with a minimum balance requirement of $0.01 and a maintenance fee that can be waived. While Citibank boasts a highly rated mobile app experience, Fitness Bank's offerings are more straightforward, appealing to those seeking simplicity without additional requirements.
The analysis is based on current Banksparency database records
* This content is provided for informational purposes only; always verify details with the provider.
Non-sponsored link to official site
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Top Market Contenders
Citibank vs. Fitness Bank Savings Calculator
You earn $145 more with Fitness Bank than Citibank 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.
Citibank
Citi Accelerate Savings
Savings Breakdown
- Interest Earned+$330.00(3.2%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,330.00
Fitness Bank
Fitness Elite Checking & Fitness Savings Combo
Savings Breakdown
- Interest Earned+$475.00(4.5%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,475.00
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
| Feature | Citibank | Fitness Bank |
|---|---|---|
| APY | 3.30% Verified: 1/7/2026 ↘︎ 0.10%90d Change | 4.75% Verified: 1/7/2026 Stable (90d) |
| Product Name | Citi Accelerate Savings | Fitness Elite Checking & Fitness Savings Combo |
| Minimum Deposit | $0 | $100 |
| Min. Balance for APY | $0.01 | $100 |
| Monthly Fee | $4.50. Waived for average monthly balances > $500 | $10. Waived for average daily balances > $100 |
| Branch Access | None | None |
| Account Type | Online Only | Online Only |
| Direct Deposit Req. | None | None |
| Checking Bundle | No | Yes |
| Mobile Apps | iOS4.9 Android4.8 | iOS1.7 Android0.0 |
| Zelle® Support | Available Limit: $2,500/dayTiered limits based on account status (Citigold higher). | Not Supported |
| BBB Rating | D- | A+ |
| Important Notes | Eligibility restricted to select states. | 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 Citibank 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 | Citibank | Fitness Bank | ||
|---|---|---|---|---|
| Citi® Savings Account | Citi Accelerate Savings | Fitness Elite Checking & Fitness Savings Combo | Fitness Savings Account | |
Current APY | 0.03% | 3.30% | 4.75% | 4.45% |
Trend | Stable | Stable | Stable | Stable |
Velocity (bps/mo) | 0.0 | -4.7 | -3.7 | -1.5 |
Days Since Change | 296 | 50 | 126 | 126 |
10-Month High | 0.03% | 3.70% | 5.00% | 4.55% |
10-Month Low | 0.03% | 3.30% | 4.75% | 4.45% |
Adjustments / Mo | 0.00 | 0.51 | 0.20 | 0.20 |
Volatility Score | 0.000 | 0.040 | 0.024 | 0.011 |
How to read these metrics(Click to expand)
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