Fitness Bank vs. Fnbo Direct
High-Yield Savings Account Comparison
By Aviel Fahl|Last Updated: October 16, 2025
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Summary of Fitness Bank vs. FNBO Direct
Key Metrics at a Glance
| Feature | Fitness Bank | FNBO Direct |
|---|---|---|
| Top Savings APY | 4.75% Fitness Elite Checking & Fitness Savings Combo | 3.00% High-Yield Online Savings Account |
| Minimum to Open | $100 | $1 |
| Minimum Balance for Top APY | $100 | $0.01 |
| 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. |
Fitness Bank
Strengths
- Fitness Bank offers a high APY of 4.75% for its Elite Checking & Fitness Savings Combo.
- Fitness Bank has an A+ BBB rating, indicating strong trustworthiness.
Potential Drawbacks
- Fitness Bank has low App Store rating of 1.7 and a Google Play rating of 0.0.
- Fitness Bank's accounts have maintenance fees of $10, which can be waived only under specific conditions.
FNBO Direct
Strengths
- FNBO Direct has no maintenance fees for its High-Yield Online Savings Account.
- FNBO Direct boasts high App Store and Google Play ratings of 4.5 and 4.8, respectively.
Potential Drawbacks
- FNBO Direct's APY is lower at 3.00%, down from 3.25% in the last 30 days.
- FNBO Direct is not rated by the BBB, indicating less transparency.
→ As of October 16, 2025 Fitness Bank offers an APY of 4.75% for its Fitness Elite Checking & Fitness Savings Combo account, with a minimum balance of $100, compared to FNBO Direct's 3.00% APY for its High-Yield Online Savings Account, with a minimum balance of $0.01.
→ Fitness Bank yields $175 more than FNBO Direct on a $10,000 balance after one year. Fitness Bank pays $475, while FNBO Direct pays $300 - 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 Fitness Bank vs FNBO Direct
Fitness 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 OverviewFNBO Direct
Total savings breakdown:
- Interest earned: $1,798.2 (9.08%)
- Total contributions: $13,000 (65.66%)
- Initial deposit: $5,000 (25.25%)
Your total balance
$19,798.20
Total balance: $19,798.2
Earnings: $1,798.2
Bank OverviewWith a $5,000 initial deposit and $13,000 in total contributions over 5 years, Fitness Bank's total earnings would be $1,126.5 higher than FNBO Direct's total earnings.
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
Compare Fitness Bank's vs FNBO Direct's Savings Accounts
| Fitness Bank | FNBO Direct | |||
|---|---|---|---|---|
| Product | Fitness Savings Account | Fitness Elite Checking & Fitness Savings Combo | vs | High-Yield Online Savings Account |
| APY | 4.45% (as of 10/16/2025) | 4.75% (as of 10/16/2025) | 3.00% (as of 10/16/2025) | |
| Bundled Account | No | Yes | No | |
| FDIC-insured | Yes | Yes | Yes | |
| Online Only | Yes | Yes | No | |
| Compound Frequency | Daily | Daily | Monthly | |
| Minimum Deposit | $100 | $100 | $1 | |
| Minimum Balance for APY | $100 | $100 | $0.01 | |
| Maintenance Fee | $10. Waived for average daily balances > $100 | $10. Waived for average daily balances > $100 | $0 | |
| 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 | 1.7/5 | 4.5/5 | ||
| Google Play Rating | No | 4.8/5 | ||
| BBB Rating | A+ | Not Rated | ||
Comparative Historical APY Insights (Last 3 Months)
| Fitness Bank | FNBO Direct | |||
|---|---|---|---|---|
| Product | Fitness Elite Checking & Fitness Savings Combo | Fitness Savings Account | vs | High-Yield Online Savings Account |
| Latest APY | 4.75 % | 4.45 % | 3.00 % | |
| Trend | Falling | Sideways | Falling | |
| Slope (bps/mo) | -7.8 | -3.5 | -7.7 | |
| Rate Changes / Mo | 0.71 | 0.71 | 0.36 | |
| Days Since Last Change | 43 | 43 | 13 | |
| High (-3 m) | 5.00 % | 4.55 % | 3.25 % | |
| Low (-3 m) | 4.75 % | 4.45 % | 3.00 % | |
| Draw-down from High | -5.0 % | -2.2 % | -7.7 % | |
| Volatility (CV) | 0.016 | 0.007 | 0.029 | |
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 84 days.
- Low (-3 m)
- Lowest APY in the last 84 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.