Fitness Bank vs. Forbright Bank
High-Yield Savings Account Comparison
By Aviel Fahl|Last Updated: November 12, 2025
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Summary of Fitness Bank vs. Forbright Bank
Key Metrics at a Glance
| Feature | Fitness Bank | Forbright Bank |
|---|---|---|
| Top Savings APY | 4.75% Fitness Elite Checking & Fitness Savings Combo | 4.00% Growth Savings |
| Minimum to Open | $100 | $0 |
| Minimum Balance for Top APY | $100 | $0 |
| 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% on the Fitness Elite Checking & Fitness Savings Combo.
- No minimum balance is required to open the Fitness Savings Account.
Potential Drawbacks
- Fitness Bank has a low App Store rating of 1.7.
- Maintenance fees apply unless average daily balances exceed $100.
Forbright Bank
Strengths
- Forbright Bank has a high App Store rating of 4.8.
- No maintenance fees for the Growth Savings account.
Potential Drawbacks
- Forbright Bank's highest APY of 4% is lower than Fitness Bank's 4.75%.
- Higher minimum deposit of $250 required for Bright Savings account.
Summary: Fitness Bank provides a higher APY of 4.75% compared to Forbright Bank's 4%. However, Fitness Bank has a maintenance fee, while Forbright Bank has no fees on its Growth Savings account. Forbright Bank also boasts a significantly higher App Store rating of 4.8, contrasting with Fitness Bank's low rating of 1.7. Additionally, Forbright Bank requires a higher minimum deposit for some accounts.
→ As of November 12, 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 Forbright Bank's 4.00% APY for its Growth Savings account, with a minimum balance of $0.
→ Fitness Bank yields $75 more than Forbright Bank on a $10,000 balance after one year. Fitness Bank pays $475, while Forbright Bank pays $400 - an APY advantage for Fitness Bank.
→ In addition, Fitness Bank also offers 4.45% APY for the Fitness Savings Account account, while Forbright Bank offers 3.65% APY for the Bright Savings account.
Calculate Savings Growth for Fitness Bank vs Forbright Bank
All calculations are based on APY.
Fitness 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 OverviewForbright Bank - Growth Savings
Top APY: 4.00%
Total savings breakdown:
- Interest earned: $2,434.7 (11.91%)
- Total contributions: $13,000 (63.62%)
- Initial deposit: $5,000 (24.47%)
Your total balance
$20,434.70
Effective APY: 4.00% (based on your deposit and contributions)
Total balance: $20,434.7
Earnings: $2,434.7
Bank OverviewWith a $5,000 initial deposit and $13,000 in total contributions over 5 years, Fitness Bank's total earnings would be $490 higher than Forbright Bank's total earnings.
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
Compare Fitness Bank's vs Forbright Bank's Savings Accounts
| Fitness Bank | Forbright Bank | |||||
|---|---|---|---|---|---|---|
| Product | Fitness Savings Account | Fitness Elite Checking & Fitness Savings Combo | vs | Growth Savings | Bright Savings | Sprout Savings |
| APY | 4.45% (as of 11/12/2025) | 4.75% (as of 11/12/2025) | 4.00% (as of 11/12/2025) | 2.75% - 3.65% (as of 11/12/2025) | 0.80% - 3.65% (as of 11/12/2025) | |
| Bundled Account | No | Yes | No | No | No | |
| FDIC-insured | Yes | Yes | Yes | Yes | Yes | |
| Online Only | Yes | Yes | Yes | No | No | |
| Compound Frequency | Daily | Daily | Daily | Daily | Daily | |
| Minimum Deposit | $100 | $100 | $0 | $250 | $1 | |
| Minimum Balance for APY | $100 | $100 | $0 | $250,000 | $0.01 | |
| Maintenance Fee | $10. Waived for average daily balances > $100 | $10. Waived for average daily balances > $100 | $0 | $0 | $0 | |
| Direct Deposit Required | No | No | No | No | No | |
| Eligibility | United States | United States | United States | This account must be opened in a Forbright branch (Washington, D.C. metro area) | This account is for children under 18 years old, where the account custodian is an existing customer. It must be opened in a Forbright branch (Washington, D.C. metro area) | |
| 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. | This is a tiered savings account, where the highest rate is obtained by meeting a minimum balance of $250,000. A lower APY of 2.75% may be obtained with as little as $0.01 in balance. See bank for more details and all tiers. | This is a tiered savings account, where the highest rate is capped at a balance of $9,999. A lower APY of 0.80% is applied to balances above that. See bank for more details. | ||
| App Store Rating | 1.7/5 | 4.8/5 | ||||
| Google Play Rating | No | 4.6/5 | ||||
| BBB Rating | A+ | A+ | ||||
Comparative Historical APY Insights (Last 8 Months)
| Fitness Bank | Forbright Bank | |||||
|---|---|---|---|---|---|---|
| Product | Fitness Elite Checking & Fitness Savings Combo | Fitness Savings Account | vs | Sprout Savings | Bright Savings | Growth Savings |
| Latest APY | 4.75 % | 4.45 % | 3.65 % | 3.65 % | 4.00 % | |
| Trend | Sideways | Sideways | Sideways | Sideways | Sideways | |
| Slope (bps/mo) | -4.2 | -1.7 | -2.9 | -2.9 | -2.6 | |
| Rate Changes / Mo | 0.25 | 0.25 | 0.12 | 0.12 | 0.12 | |
| Days Since Last Change | 71 | 71 | 43 | 43 | 35 | |
| High (-8 m) | 5.00 % | 4.55 % | 3.90 % | 3.90 % | 4.25 % | |
| Low (-8 m) | 4.75 % | 4.45 % | 3.65 % | 3.65 % | 4.00 % | |
| Draw-down from High | -5.0 % | -2.2 % | -6.4 % | -6.4 % | -5.9 % | |
| Volatility (CV) | 0.023 | 0.010 | 0.026 | 0.026 | 0.023 | |
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.