Fitness Bank vs. Go2bank
High-Yield Savings Account Comparison
By Aviel Fahl|Last Updated: October 21, 2025
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Summary of Fitness Bank vs. GO2bank
Key Metrics at a Glance
| Feature | Fitness Bank | GO2bank |
|---|---|---|
| Top Savings APY | 4.75% Fitness Elite Checking & Fitness Savings Combo | 4.50% High Yield 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. | The 4.50% APY is up to 5,000. Balances above that earn no interest. |
Fitness Bank
Strengths
- Fitness Bank offers a higher APY of 4.75% on its Fitness Elite Checking & Fitness Savings Combo.
- Fitness Bank has an A+ BBB rating, indicating strong trustworthiness.
Potential Drawbacks
- Fitness Bank's App Store rating is low at 1.7, indicating potential user dissatisfaction.
- Fitness Bank requires 15 debit card transactions and tracking steps to maintain the highest APY.
GO2bank
Strengths
- GO2bank has a high App Store rating of 4.8 and a Google Play rating of 4.6, suggesting user satisfaction.
- GO2bank has no minimum deposit or balance requirements for its High Yield Savings account.
Potential Drawbacks
- GO2bank's BBB rating is not available, and it is not BBB Accredited.
- GO2bank charges a $5 monthly fee unless direct deposit is set up.
→ As of October 21, 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 GO2bank's 4.50% APY for its High Yield Savings account, with a minimum balance of $0.
→ Fitness Bank yields $250 more than GO2bank on a $10,000 balance after one year. Fitness Bank pays $475, while GO2bank pays $225 (with an effective APY of 2.25%) - 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 GO2bank
Fitness Bank - Fitness Elite Checking & Fitness Savings Combo
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 OverviewGO2bank - High Yield Savings
ℹ️You earn 4.50% on the first $5,000 and 0.00% on the rest.
Total savings breakdown:
- Interest earned: $1,230.9 (6.40%)
- Total contributions: $13,000 (67.60%)
- Initial deposit: $5,000 (26.00%)
Your total balance
$19,230.90
Total balance: $19,230.9
Earnings: $1,230.9
Bank OverviewWith a $5,000 initial deposit and $13,000 in total contributions over 5 years, Fitness Bank's total earnings would be $1,693.8 higher than GO2bank's total earnings.
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
Compare Fitness Bank's vs GO2bank's Savings Accounts
| Fitness Bank | GO2bank | |||
|---|---|---|---|---|
| Product | Fitness Savings Account | Fitness Elite Checking & Fitness Savings Combo | vs | High Yield Savings |
| APY | 4.45% (as of 10/21/2025) | 4.75% (as of 10/21/2025) | 0.00% - 4.50% (as of 10/21/2025) | |
| Bundled Account | No | Yes | No | |
| FDIC-insured | Yes | Yes | Yes | |
| Online Only | Yes | Yes | Yes | |
| Compound Frequency | Daily | Daily | Quarterly | |
| Minimum Deposit | $100 | $100 | $0 | |
| Minimum Balance for APY | $100 | $100 | $0 | |
| Maintenance Fee | $10. Waived for average daily balances > $100 | $10. Waived for average daily balances > $100 | $5 per month, unless you set up direct deposit | |
| 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. | The 4.50% APY is up to 5,000. Balances above that earn no interest. | |
| App Store Rating | 1.7/5 | 4.8/5 | ||
| Google Play Rating | No | 4.6/5 | ||
| BBB Rating | A+ | Not Rated | ||
Comparative Historical APY Insights (Last 3 Months)
| Fitness Bank | GO2bank | |||
|---|---|---|---|---|
| Product | Fitness Elite Checking & Fitness Savings Combo | Fitness Savings Account | vs | High Yield Savings |
| Latest APY | 4.75 % | 4.45 % | 4.50 % | |
| Trend | Falling | Sideways | Sideways | |
| Slope (bps/mo) | -5.3 | -2.7 | 0.0 | |
| Rate Changes / Mo | 0.39 | 0.39 | 0.00 | |
| Days Since Last Change | 48 | 48 | 76 | |
| High (-3 m) | 4.85 % | 4.50 % | 4.50 % | |
| Low (-3 m) | 4.75 % | 4.45 % | 4.50 % | |
| Draw-down from High | -2.1 % | -1.1 % | 0.0 % | |
| Volatility (CV) | 0.010 | 0.005 | 0.000 | |
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.