Fitness Bank vs. LendingClub
Compare rates, requirements, and features side-by-side to find the best option for you.
Fitness Bank
Fitness Elite Checking & Fitness Savings Combo
4.75%APYDec 6, 2025FDIC InsuredChecking BundleLow MinimumsShow Fine Print & Trends Hide Details
Fitness Bank
Fitness Elite Checking & Fitness Savings Combo
LendingClub
LevelUp Savings
Up to4.20%APYDec 6, 2025FDIC InsuredNo MinimumsGreat iOS AppGreat Android AppRange: 3.20% – 4.20%Show Fine Print & Trends Hide Details
LendingClub
LevelUp Savings
Prefer In-Person Banking?
Both of these banks are online-only. If you need physical branch access, check out our list of high-yield accounts with brick-and-mortar locations.
Comparison Analysis
Comparing Fitness Bank vs. LendingClub
Why Fitness Bank?
- ✓Higher potential APY (4.45%-4.75% vs 4.20%) on all balances
- ✓Offers 2 different high-yield savings options
Why LendingClub?
- ✓Higher rated iOS app (4.8 vs 1.7)
- ✓Higher rated Android app (4.7 vs 0.0)
— Key Feature Differences —
Better Returns at $10,000
Fitness BankFitness Bank's Fitness Elite Checking & Fitness Savings Combo earns more on smaller deposits (approx. $475 vs $420/yr).
Better Returns at $25,000
Fitness BankFitness Bank's Fitness Elite Checking & Fitness Savings Combo pulls ahead with larger amounts (approx. $1188 vs $1050/yr).
Best for Simplicity
Fitness BankFitness Bank's Fitness Savings Account offers 4.45% APY with no bundling, direct deposit requirement or caps.
Best for All-in-One Banking
Fitness BankFitness Bank's Fitness Elite Checking & Fitness Savings Combo pays a superior APY for customers who also open a checking account.
Best Mobile App Experience
LendingClubLendingClub offers an iOS app rated 4.8 (vs. 1.7) and Android app rated 4.7 (vs. 0.0)
Shared Benefits
Over a 1-year period, Fitness Bank's Fitness Elite Checking & Fitness Savings Combo pays $55 more interest on a $10,000 balance than LendingClub's LevelUp Savings.
Executive Summary
Fitness Bank offers a competitive Fitness Elite Checking & Fitness Savings Combo with an APY of 4.75%, making it the top choice for those who can meet the account's tier requirements, including maintaining a $5,000 average balance and making 15 debit card transactions per period. In contrast, LendingClub's LevelUp Savings account provides an APY of 4.20%, but this rate is contingent upon depositing at least $250 monthly. While LendingClub has no minimum balance or maintenance fees, Fitness Bank's account also has no direct deposit requirement, making it a strong contender for simplicity. Both banks operate online-only.
Analysis generated based on current Banksparency database records
* AI-generated content provided for informational purposes only. Accuracy is not guaranteed; always verify details with the provider.
Top Market Contenders
See who beats both Fitness Bank and LendingClub.
| Feature | Fitness Bank | LendingClub |
|---|---|---|
| APY | 4.75% Verified: 12/6/2025 Stable (90d) | 4.20% Range: 3.20% - 4.20% Verified: 12/6/2025 Stable (90d) |
| Product Name | Fitness Elite Checking & Fitness Savings Combo | LevelUp Savings |
| Minimum Deposit | $100 | $0 |
| Min. Balance for APY | $100 | $0 |
| Monthly Fee | $10. Waived for average daily balances > $100 | $0 |
| Branch Access | None | None |
| Account Type | Online Only | Online Only |
| Direct Deposit Req. | None | None |
| Checking Bundle | Yes | No |
| Mobile Apps | iOS1.7 Android0.0 | iOS4.8 Android4.7 |
| BBB Rating | A+ | A+ |
| Important Notes | 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. |
| Next Steps |
Savings Comparison
Fitness Bank earns $360.4 more than LendingClub.
Fitness Bank
Fitness Elite Checking & Fitness Savings Combo
Savings Breakdown
- Interest Earned+$2,924.70(14.0%)
- Total Contributions$13,000
- Initial Deposit$5,000
Projected Balance
$20,924.70
LendingClub
LevelUp Savings
Savings Breakdown
- Interest Earned+$2,564.30(12.5%)
- Total Contributions$13,000
- Initial Deposit$5,000
Projected Balance
$20,564.30
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
📈 Compare Savings Rates Over Time
Historical Performance
| Metric | Fitness Bank | LendingClub | |
|---|---|---|---|
| Fitness Elite Checking & Fitness Savings Combo | Fitness Savings Account | LevelUp Savings | |
Current APY | 4.75% | 4.45% | 4.20% |
Trend | Stable | Stable | Stable |
Velocity (bps/mo) | -4.0 | -1.6 | -3.5 |
Days Since Change | 94 | 94 | 148 |
9-Month High | 5.00% | 4.55% | 4.50% |
9-Month Low | 4.75% | 4.45% | 4.20% |
Adjustments / Mo | 0.23 | 0.23 | 0.23 |
Volatility Score | 0.024 | 0.010 | 0.025 |
How to read these metrics(Click to expand)
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