Citizens Access vs. Fitness Bank
High-Yield Savings Account Comparison
By Aviel Fahl|Last Updated: October 16, 2025
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Summary of Citizens Access™ vs. Fitness Bank
Key Metrics at a Glance
| Feature | Citizens Access™ | Fitness Bank |
|---|---|---|
| Top Savings APY | 3.50% Citizens Access® Savings | 4.75% Fitness Elite Checking & Fitness Savings Combo |
| Minimum to Open | $0.01 | $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. |
Citizens Access™
Strengths
- Citizens Access™ has no maintenance fees on its savings account.
- Citizens Access™ offers a solid APY of 3.50% with no direct deposit requirement.
- Citizens Access™ has high App Store and Google Play ratings of 4.8.
Potential Drawbacks
- Citizens Access™ does not have physical branches.
Fitness Bank
Strengths
- Fitness Bank offers a higher APY of 4.75% for its Fitness Elite Checking & Fitness Savings Combo.
- Fitness Bank has an A+ BBB rating, indicating trustworthiness.
Potential Drawbacks
- Fitness Bank has low App Store rating of 1.7 and Google Play rating of 0.0.
- Fitness Bank charges a $10 maintenance fee unless certain conditions are met.
→ As of October 16, 2025 Citizens Access™ offers an APY of 3.50% for its Citizens Access® 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 $125 more than Citizens Access™ on a $10,000 balance after one year. Citizens Access™ pays $350, 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 Citizens Access™ vs Fitness Bank
Citizens Access™
Total savings breakdown:
- Interest earned: $2,114.1 (10.51%)
- Total contributions: $13,000 (64.63%)
- Initial deposit: $5,000 (24.86%)
Your total balance
$20,114.10
Total balance: $20,114.1
Earnings: $2,114.1
Bank OverviewFitness Bank
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
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, Citizens Access™'s total earnings would be $810.6 lower than Fitness Bank's total earnings.
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
Compare Citizens Access™'s vs Fitness Bank's Savings Accounts
| Citizens Access™ | Fitness Bank | |||
|---|---|---|---|---|
| Product | Citizens Access® Savings | vs | Fitness Savings Account | Fitness Elite Checking & Fitness Savings Combo |
| APY | 3.50% (as of 10/16/2025) | 4.45% (as of 10/16/2025) | 4.75% (as of 10/16/2025) | |
| Bundled Account | No | No | Yes | |
| FDIC-insured | Yes | Yes | Yes | |
| Online Only | Yes | Yes | Yes | |
| Compound Frequency | Daily | Daily | Daily | |
| Minimum Deposit | $0.01 | $100 | $100 | |
| Minimum Balance for APY | $0.01 | $100 | $100 | |
| Maintenance Fee | $0 | $10. Waived for average daily balances > $100 | $10. Waived for average daily balances > $100 | |
| Direct Deposit Required | No | No | No | |
| 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 | 4.8/5 | 1.7/5 | ||
| Google Play Rating | 4.8/5 | No | ||
| BBB Rating | A+ | A+ | ||
Comparative Historical APY Insights (Last 7 Months)
| Citizens Access™ | Fitness Bank | |||
|---|---|---|---|---|
| Product | Citizens Access® Savings | vs | Fitness Elite Checking & Fitness Savings Combo | Fitness Savings Account |
| Latest APY | 3.50 % | 4.75 % | 4.45 % | |
| Trend | Sideways | Sideways | Sideways | |
| Slope (bps/mo) | -3.9 | -4.2 | -1.6 | |
| Rate Changes / Mo | 0.14 | 0.28 | 0.28 | |
| Days Since Last Change | 78 | 43 | 43 | |
| High (-7 m) | 3.70 % | 5.00 % | 4.55 % | |
| Low (-7 m) | 3.50 % | 4.75 % | 4.45 % | |
| Draw-down from High | -5.4 % | -5.0 % | -2.2 % | |
| Volatility (CV) | 0.027 | 0.021 | 0.009 | |
APY Insights Glossary
- Latest APY
- Most recent advertised annual-percentage yield.
- Trend
- Direction over the last 7 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 (-7 m)
- Highest APY in the last 214 days.
- Low (-7 m)
- Lowest APY in the last 214 days.
- Draw-down from High
- How far today sits below the 7-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.