Elevault vs. Fitness Bank
High-Yield Savings Account Comparison
By Aviel Fahl|Last Updated: October 21, 2025
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Summary of Elevault vs. Fitness Bank
Key Metrics at a Glance
| Feature | Elevault | Fitness Bank |
|---|---|---|
| Top Savings APY | 4.34% High Yield Savings Account | 4.75% Fitness Elite Checking & Fitness Savings Combo |
| Minimum to Open | $0 | $100 |
| Minimum Balance for Top APY | $0 | $100 |
| Note | The 4.34% APY is up to $250,000. Balances above that earn no interest. Daily deposit limit is $2,500. | 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. |
Elevault
Strengths
- Elevault offers a competitive APY of 4.34%, although it decreased from 4.60% in the last 30 days.
- Elevault has no maintenance fees or minimum balance requirements.
- Elevault's BBB rating is A+, indicating strong trustworthiness.
Potential Drawbacks
- Elevault's APY applies only to balances up to $250,000; higher balances earn no interest.
- Elevault has a moderate App Store rating of 3.8 and a Google Play rating of 3.9.
Fitness Bank
Strengths
- Fitness Bank offers a higher APY of 4.75% for its Fitness Elite Checking & Savings Combo.
- Fitness Bank has no direct deposit requirement for account opening.
Potential Drawbacks
- Fitness Bank's App Store rating is low at 1.7, and it has no Google Play rating.
- Fitness Bank has a $10 maintenance fee unless certain conditions are met.
Summary: Elevault's high-yield savings account offers a solid APY of 4.34% with no fees, but has a cap on interest-bearing balances. In contrast, Fitness Bank provides a higher APY of 4.75% but requires specific activity and balances to maintain it, along with a maintenance fee. Fitness Bank's app ratings are significantly lower than Elevault's, which may affect user experience.
→ As of October 21, 2025 Elevault offers an APY of 4.34% for its High Yield 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 $41 more than Elevault on a $10,000 balance after one year. Elevault pays $434, 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 Elevault vs Fitness Bank
All calculations are based on APY.
Elevault - High Yield Savings Account
Top APY: 4.34%
Total savings breakdown:
- Interest earned: $2,655.5 (12.86%)
- Total contributions: $13,000 (62.94%)
- Initial deposit: $5,000 (24.21%)
Your total balance
$20,655.50
Effective APY: 4.34% (based on your deposit and contributions)
Total balance: $20,655.5
Earnings: $2,655.5
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, Elevault's total earnings would be $269.2 lower than Fitness Bank's total earnings.
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
Compare Elevault's vs Fitness Bank's Savings Accounts
| Elevault | Fitness Bank | |||
|---|---|---|---|---|
| Product | High Yield Savings Account | vs | Fitness Savings Account | Fitness Elite Checking & Fitness Savings Combo |
| APY | 4.34% (as of 10/21/2025) | 4.45% (as of 10/21/2025) | 4.75% (as of 10/21/2025) | |
| Bundled Account | No | No | Yes | |
| FDIC-insured | Yes | Yes | Yes | |
| Online Only | Yes | Yes | Yes | |
| Compound Frequency | Daily | Daily | Daily | |
| Minimum Deposit | $0 | $100 | $100 | |
| Minimum Balance for APY | $0 | $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 | The 4.34% APY is up to $250,000. Balances above that earn no interest. Daily deposit limit is $2,500. | 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 | 3.8/5 | 1.7/5 | ||
| Google Play Rating | 3.9/5 | No | ||
| BBB Rating | A+ | A+ | ||
Comparative Historical APY Insights (Last 3 Months)
| Elevault | Fitness Bank | |||
|---|---|---|---|---|
| Product | High Yield Savings Account | vs | Fitness Elite Checking & Fitness Savings Combo | Fitness Savings Account |
| Latest APY | 4.34 % | 4.75 % | 4.45 % | |
| Trend | Falling | Falling | Sideways | |
| Slope (bps/mo) | -14.4 | -5.3 | -2.7 | |
| Rate Changes / Mo | 0.39 | 0.39 | 0.39 | |
| Days Since Last Change | 29 | 48 | 48 | |
| High (-3 m) | 4.60 % | 4.85 % | 4.50 % | |
| Low (-3 m) | 4.34 % | 4.75 % | 4.45 % | |
| Draw-down from High | -5.7 % | -2.1 % | -1.1 % | |
| Volatility (CV) | 0.028 | 0.010 | 0.005 | |
APY Insights Glossary
- Latest APY
- Most recent advertised annual-percentage yield.
- Trend
- Direction over the last 3 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 (-3 m)
- Highest APY in the last 77 days.
- Low (-3 m)
- Lowest APY in the last 77 days.
- Draw-down from High
- How far today sits below the 3-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.