EverBank vs. Fitness Bank
Compare rates, requirements, and features side-by-side to find the best option for you.
EverBank
Performance Savings
4.05%APYDec 6, 2025FDIC InsuredNo MinimumsShow Fine Print & Trends Hide Details
EverBank
Performance Savings
Fitness Bank
Fitness Elite Checking & Fitness Savings Combo
4.75%APYDec 6, 2025FDIC InsuredChecking BundleLow MinimumsShow Fine Print & Trends Hide Details
Fitness Bank
Fitness Elite Checking & Fitness Savings Combo
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 EverBank vs. Fitness Bank
Why EverBank?
- ✓Physical branch access (11 locations in Florida and California)
Why Fitness Bank?
- ✓Higher potential APY (4.45%-4.75% vs 4.05%) on all balances
- ✓Offers 2 different high-yield savings options
— 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 $405/yr).
Better Returns at $25,000
Fitness BankFitness Bank's Fitness Elite Checking & Fitness Savings Combo pulls ahead with larger amounts (approx. $1188 vs $1013/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.
Shared Benefits
Over a 1-year period, Fitness Bank's Fitness Elite Checking & Fitness Savings Combo pays $70 more interest on a $10,000 balance than EverBank's Performance Savings.
Executive Summary
Fitness Bank offers the highest APY of 4.75% with its Fitness Elite Checking & Fitness Savings Combo, which requires maintaining a $5,000 average balance in the checking account and tracking at least 10,000 average daily steps to earn this rate. For those seeking simplicity, the Fitness Savings Account provides a competitive APY of 4.45% without any bundling or direct deposit requirements, but it does require a minimum balance of $100. In contrast, EverBank's Performance Savings account offers a lower APY of 4.05% with no minimum balance or maintenance fees, but it does not match the yields of Fitness Bank's offerings.
Analysis generated based on current Banksparency database records
* AI-generated content provided for informational purposes only. Accuracy is not guaranteed; always verify details with the provider.
| Feature | EverBank | Fitness Bank |
|---|---|---|
| APY | 4.05% Verified: 12/6/2025 ↘︎ 0.25%90d Change | 4.75% Verified: 12/6/2025 Stable (90d) |
| Product Name | Performance Savings | Fitness Elite Checking & Fitness Savings Combo |
| Minimum Deposit | $0 | $100 |
| Min. Balance for APY | $0 | $100 |
| Monthly Fee | $0 | $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 | iOS2.3 Android1.4 | iOS1.7 Android0.0 |
| BBB Rating | A+ | A+ |
| Important Notes | - | 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 |
Savings Comparison
Fitness Bank earns $457.7 more than EverBank.
EverBank
Performance Savings
Savings Breakdown
- Interest Earned+$2,467.00(12.1%)
- Total Contributions$13,000
- Initial Deposit$5,000
Projected Balance
$20,467.00
Fitness Bank
Fitness Elite Checking & Fitness Savings Combo
Savings Breakdown
- Interest Earned+$2,924.70(14.0%)
- Total Contributions$13,000
- Initial Deposit$5,000
Projected Balance
$20,924.70
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
📈 Compare Savings Rates Over Time
Historical Performance
| Metric | EverBank | Fitness Bank | |
|---|---|---|---|
| Performance Savings | Fitness Elite Checking & Fitness Savings Combo | Fitness Savings Account | |
Current APY | 4.05% | 4.75% | 4.45% |
Trend | Stable | Stable | Stable |
Velocity (bps/mo) | -3.7 | -4.0 | -1.6 |
Days Since Change | 78 | 94 | 94 |
9-Month High | 4.30% | 5.00% | 4.55% |
9-Month Low | 4.05% | 4.75% | 4.45% |
Adjustments / Mo | 0.11 | 0.23 | 0.23 |
Volatility Score | 0.028 | 0.024 | 0.010 |
How to read these metrics(Click to expand)
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