Fitness Bank vs. Lending Club
High-Yield Savings Account Comparison
By Aviel Fahl|Last Updated: November 16, 2025
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Summary of Fitness Bank vs. LendingClub
Key Metrics at a Glance
| Feature | Fitness Bank | LendingClub |
|---|---|---|
| Top Savings APY | 4.75% Fitness Elite Checking & Fitness Savings Combo | 4.20% LevelUp 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 advertised "LevelUp Rate" APY of 4.20% is only available if you deposit $250+ into the account each month. Otherwise the "Standard Rate" of 3.20% applies. |
Fitness Bank
Strengths
- Fitness Bank offers a higher APY of 4.75% for their Fitness Elite Checking & Fitness Savings Combo.
- Fitness Bank's APY has remained stable at 4.75% for the past 30 days.
- Fitness Bank has no direct deposit requirement for their accounts.
Potential Drawbacks
- Fitness Bank has a low App Store rating of 1.7.
- Fitness Bank charges a maintenance fee of $10 unless conditions are met.
- Fitness Bank's highest APY requires multiple conditions to be met.
LendingClub
Strengths
- LendingClub has a high App Store rating of 4.8 and a Google Play rating of 4.6.
- LendingClub has no maintenance fees or minimum balance requirements.
- LendingClub's APY of 4.20% is competitive for a high-yield savings account.
Potential Drawbacks
- LendingClub's highest APY of 4.20% requires a monthly deposit of $250 or more.
- LendingClub's APY has remained unchanged at 4.20% for the past 30 days.
- LendingClub has no physical branches.
Summary: Fitness Bank offers a higher APY of 4.75% but has strict conditions and a low App Store rating. In contrast, LendingClub provides a competitive 4.20% APY with no fees or minimums, and enjoys high ratings on app platforms, but requires a monthly deposit to achieve the highest rate. Both banks lack direct deposit requirements, but Fitness Bank's account conditions may deter some customers.
→ As of November 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 LendingClub's 4.20% APY for its LevelUp Savings account, with a minimum balance of $0.
→ Fitness Bank yields $55 more than LendingClub on a $10,000 balance after one year. Fitness Bank pays $475, while LendingClub pays $420 - 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 LendingClub
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 OverviewLendingClub - LevelUp Savings
Top APY: 4.20%
Total savings breakdown:
- Interest earned: $2,564.3 (12.47%)
- Total contributions: $13,000 (63.22%)
- Initial deposit: $5,000 (24.31%)
Your total balance
$20,564.30
Effective APY: 4.20% (based on your deposit and contributions)
Total balance: $20,564.3
Earnings: $2,564.3
Bank OverviewWith a $5,000 initial deposit and $13,000 in total contributions over 5 years, Fitness Bank's total earnings would be $360.4 higher than LendingClub's total earnings.
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
Compare Fitness Bank's vs LendingClub's Savings Accounts
| Fitness Bank | LendingClub | |||
|---|---|---|---|---|
| Product | Fitness Elite Checking & Fitness Savings Combo | Fitness Savings Account | vs | LevelUp Savings |
| APY | 4.75% (as of 11/16/2025) | 4.45% (as of 11/16/2025) | 3.20% - 4.20% (as of 11/16/2025) | |
| Bundled Account | Yes | No | No | |
| FDIC-insured | Yes | Yes | Yes | |
| Online Only | Yes | Yes | Yes | |
| Compound Frequency | Daily | Daily | Daily | |
| 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 | $0 | |
| Direct Deposit Required | No | No | No | |
| 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. | 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. | The advertised "LevelUp Rate" APY of 4.20% is only available if you deposit $250+ into the account each month. Otherwise the "Standard Rate" of 3.20% applies. | |
| 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 | LendingClub | |||
|---|---|---|---|---|
| Product | Fitness Elite Checking & Fitness Savings Combo | Fitness Savings Account | vs | LevelUp Savings |
| Latest APY | 4.75 % | 4.45 % | 4.20 % | |
| Trend | Sideways | Sideways | Sideways | |
| Slope (bps/mo) | -4.2 | -1.7 | -3.9 | |
| Rate Changes / Mo | 0.24 | 0.24 | 0.24 | |
| Days Since Last Change | 74 | 74 | 128 | |
| High (-8 m) | 5.00 % | 4.55 % | 4.50 % | |
| Low (-8 m) | 4.75 % | 4.45 % | 4.20 % | |
| Draw-down from High | -5.0 % | -2.2 % | -6.7 % | |
| Volatility (CV) | 0.024 | 0.010 | 0.025 | |
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 245 days.
- Low (-8 m)
- Lowest APY in the last 245 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.