Citibank vs. Fitness Bank
High-Yield Savings Account Comparison
By Aviel Fahl|Last Updated: November 12, 2025
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Summary of Citibank vs. Fitness Bank
Key Metrics at a Glance
| Feature | Citibank | Fitness Bank |
|---|---|---|
| Top Savings APY | 3.35% Citi Accelerate Savings | 4.75% Fitness Elite Checking & Fitness Savings Combo |
| Minimum to Open | $0 | $100 |
| Minimum Balance for Top APY | $0.01 | $100 |
| Note | 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. |
Citibank
Strengths
- Citi Accelerate Savings has a current APY of 3.35%, slightly down from 3.40% last month.
- Citi Accelerate Savings requires no minimum deposit and has a low minimum balance of $0.01.
- Citi has a high App Store rating of 4.9.
Potential Drawbacks
- Citi's BBB rating is D- and it is not BBB accredited.
- Citi Accelerate Savings has a maintenance fee of $4.50 unless a balance of $500 is maintained.
- Citi's Google Play rating is lower at 4.8.
Fitness Bank
Strengths
- Fitness Bank's Fitness Elite Checking & Fitness Savings Combo offers a high APY of 4.75%.
- Fitness Bank has an excellent BBB rating of A+.
- Fitness Bank's Fitness Savings Account has a current APY of 4.45%.
Potential Drawbacks
- Fitness Bank requires a minimum deposit and balance of $100 for accounts.
- Fitness Bank has a low App Store rating of 1.7.
- Fitness Bank's Google Play rating is 0.0.
Summary: Fitness Bank offers higher APYs at 4.75% and 4.45% for its accounts, compared to Citi's 3.35%. However, Citi has a better App Store rating (4.9) compared to Fitness Bank's low ratings (1.7 and 0.0). Citi's BBB rating is poor (D-) while Fitness Bank enjoys an excellent A+. Additionally, Citi has no minimum deposit, while Fitness Bank requires $100.
→ As of November 12, 2025 Citibank offers an APY of 3.35% 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 yields $140 more than Citibank on a $10,000 balance after one year. Citibank pays $335, 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, while Fitness Bank offers 4.45% APY for the Fitness Savings Account account.
Calculate Savings Growth for Citibank vs Fitness Bank
All calculations are based on APY.
Citibank - Citi Accelerate Savings
Top APY: 3.35%
Total savings breakdown:
- Interest earned: $2,018.8 (10.08%)
- Total contributions: $13,000 (64.94%)
- Initial deposit: $5,000 (24.98%)
Your total balance
$20,018.80
Effective APY: 3.35% (based on your deposit and contributions)
Total balance: $20,018.8
Earnings: $2,018.8
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, Citibank's total earnings would be $905.9 lower than Fitness Bank's total earnings.
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
Compare Citibank's vs Fitness Bank's Savings Accounts
| Citibank | Fitness Bank | ||||
|---|---|---|---|---|---|
| Product | Citi Accelerate Savings | Citi® Savings Account | vs | Fitness Savings Account | Fitness Elite Checking & Fitness Savings Combo |
| APY | 3.35% (as of 11/12/2025) | 0.03% (as of 11/12/2025) | 4.45% (as of 11/12/2025) | 4.75% (as of 11/12/2025) | |
| Bundled Account | No | No | No | Yes | |
| FDIC-insured | Yes | Yes | Yes | Yes | |
| Online Only | Yes | No | Yes | Yes | |
| Compound Frequency | Daily | Daily | Daily | Daily | |
| Minimum Deposit | $0 | $0 | $100 | $100 | |
| Minimum Balance for APY | $0.01 | $0.01 | $100 | $100 | |
| Maintenance Fee | $4.50. Waived for average monthly balances > $500 | $4.50. Waived for average monthly balances > $500 | $10. Waived for average daily balances > $100 | $10. Waived for average daily balances > $100 | |
| Direct Deposit Required | No | No | No | No | |
| Eligibility | Alaska, Alabama, Arkansas, Arizona, Colorado, Delaware, Florida (select parts), Georgia, Hawaii, Iowa, Idaho, Illinois (select parts), Indiana, Kansas, Kentucky, Louisiana, Maine, Michigan, Minnesota, Missouri, Mississippi, Montana, North Carolina, North Dakota, Nebraska, New Hampshire, New Mexico, Ohio, Oklahoma, Oregon, Pennsylvania, Rhode Island, South Carolina, South Dakota, Tennessee, Texas, Utah, Virginia (partial), Washington (partial), Wisconsin, West Virginia, Wyoming. | California, Connecticut, Maryland, Nevada, New Jersey, New York, Virginia (partial), Washington D.C., and select parts of Florida and Illinois. In addition, promotional rates may be available if requirements are met. | United States | United States | |
| Note | 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 | 4.9/5 | 1.7/5 | |||
| Google Play Rating | 4.8/5 | No | |||
| BBB Rating | D- | A+ | |||
Comparative Historical APY Insights (Last 8 Months)
| Citibank | Fitness Bank | ||||
|---|---|---|---|---|---|
| Product | Citi® Savings Account | Citi Accelerate Savings | vs | Fitness Elite Checking & Fitness Savings Combo | Fitness Savings Account |
| Latest APY | 0.03 % | 3.35 % | 4.75 % | 4.45 % | |
| Trend | Sideways | Sideways | Sideways | Sideways | |
| Slope (bps/mo) | -0.0 | -4.6 | -4.2 | -1.7 | |
| Rate Changes / Mo | 0.00 | 0.50 | 0.25 | 0.25 | |
| Days Since Last Change | 241 | 9 | 71 | 71 | |
| High (-8 m) | 0.03 % | 3.70 % | 5.00 % | 4.55 % | |
| Low (-8 m) | 0.03 % | 3.35 % | 4.75 % | 4.45 % | |
| Draw-down from High | 0.0 % | -9.5 % | -5.0 % | -2.2 % | |
| Volatility (CV) | 0.000 | 0.032 | 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 242 days.
- Low (-8 m)
- Lowest APY in the last 242 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.