Fitness Bank vs Go2bank
High-Yield Savings Accounts Comparison
Last Updated: September 5, 2025
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Summary of Fitness Bank vs. GO2bank
As of September 5, 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 $25 more than GO2bank on a $10,000 balance after one year. Fitness Bank pays $475, while GO2bank pays $450 - an APY advantage for Fitness Bank.
In addition, Fitness Bank also offers 4.45% APY for the Fitness Savings Account account.
Fitness Bank
Strengths
- Fitness Bank offers a higher APY of 4.75% compared to GO2bank's 4.50%.
- Fitness Bank has an A+ BBB rating, indicating strong trustworthiness.
- Fitness Bank's Fitness Elite Checking & Fitness Savings Combo has a unique rewards structure.
Potential Drawbacks
- Fitness Bank's APY decreased from 4.85% in the last 30 days.
- Fitness Bank has a low App Store rating of 1.7.
- Fitness Bank charges a $10 maintenance fee unless balance conditions are met.
GO2bank
Strengths
- GO2bank has a high App Store rating of 4.8 and a Google Play rating of 4.6.
- GO2bank requires no minimum deposit or balance for its High Yield Savings account.
- GO2bank's APY remains stable at 4.50% over the past 30 days.
Potential Drawbacks
- GO2bank is not BBB Accredited and has no BBB rating.
- GO2bank charges a $5 monthly maintenance fee unless direct deposit is set up.
- GO2bank's APY is lower than Fitness Bank's highest tier.
Summary: Fitness Bank provides a higher APY of 4.75% for its high-yield savings account, while GO2bank offers a stable 4.50% APY. Fitness Bank has an A+ BBB rating, contrasting with GO2bank's lack of BBB accreditation. Additionally, GO2bank has better App Store ratings, but both banks impose maintenance fees unless certain conditions are met. Overall, Fitness Bank excels in APY and trustworthiness, while GO2bank stands out in user ratings.
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 9/5/2025) | 4.75% (as of 9/5/2025) | 4.50% (as of 9/5/2025) | |
| 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 1 Month)
| 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) | -7.4 | -3.7 | 0.0 | |
| Rate Changes / Mo | 1.00 | 1.00 | 0.00 | |
| Days Since Last Change | 2 | 2 | 29 | |
| High (-1 m) | 4.85 % | 4.50 % | 4.50 % | |
| Low (-1 m) | 4.75 % | 4.45 % | 4.50 % | |
| Draw-down from High | -2.1 % | -1.1 % | 0.0 % | |
| Volatility (CV) | 0.007 | 0.004 | 0.000 | |
APY Insights Glossary
- Latest APY
- Most recent advertised annual-percentage yield.
- Trend
- Direction over the last 1 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 (-1 m)
- Highest APY in the last 30 days.
- Low (-1 m)
- Lowest APY in the last 30 days.
- Draw-down from High
- How far today sits below the 1-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.
Calculate Savings Growth for Fitness Bank vs GO2bank
All calculations are based on APY.
Fitness Bank
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 OverviewGO2bank
APY: 4.50%
Total savings breakdown:
- Interest earned: $2,760.1 (13.30%)
- Total contributions: $13,000 (62.62%)
- Initial deposit: $5,000 (24.08%)
Your total balance
$20,760.10
Effective APY: 4.50% (based on your deposit and contributions)
Total balance: $20,760.1
Earnings: $2,760.1
Bank OverviewWith a $5,000 initial deposit and $13,000 in total contributions over 5 years, Fitness Bank's total earnings would be $164.6 higher than GO2bank's total earnings.
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
More Comparisons
Compare Fitness Bank's APY of 4.75% with other banks
Compare GO2bank's APY of 4.50% with other banks
| Bank Pair | Competitor APY | Min Deposit |
|---|---|---|
| GO2bank vs Ally Bank | 3.50% | $0 |
| GO2bank vs American Express | 3.50% | $0 |
| GO2bank vs Axos Bank | 4.46% | $0 |
| GO2bank vs Bank of America | 0.01% | $100 |
| GO2bank vs Barclays | 4.10% | $0 |
| GO2bank vs BrioDirect | 4.30% | $5,000 |
| GO2bank vs Capital One | 3.50% | $0 |
| GO2bank vs Chase Bank | 0.01% | $0 |
| GO2bank vs Chime | 3.75% | $0 |
| GO2bank vs CIT Bank | 4.00% | $100 |
| GO2bank vs Discover Bank | 3.50% | $0 |
| GO2bank vs Elevault | 4.60% | $0 |
| GO2bank vs EverBank | 4.30% | $0 |
| GO2bank vs FVCbank | 4.35% | $500 |
| GO2bank vs Marcus by Goldman Sachs | 3.65% | $0 |
| GO2bank vs Neighbors Bank | 4.60% | $0 |
| GO2bank vs Newtek Bank | 4.35% | $0 |
| GO2bank vs Peak Bank | 4.35% | $100 |
| GO2bank vs Pibank | 4.60% | $0 |
| GO2bank vs Presidential Bank | 4.50% | $5,000 |
| GO2bank vs Santander Bank | 0.03% | $25 |
| GO2bank vs SoFi Bank | 3.80% | $0 |
| GO2bank vs Synchrony Bank | 3.80% | $0 |
| GO2bank vs TIMBR | 4.40% | $1,000 |
| GO2bank vs UFB Direct | 4.21% | $5000 |
| GO2bank vs Varo Bank | 5.00% | $0 |
| GO2bank vs Wells Fargo | 2.51% | $25 |
| GO2bank vs Zynlo Bank | 4.35% | $10 |