Fitness Bank vs. Marcus By Goldman Sachs
High-Yield Savings Account Comparison
By Aviel Fahl|Last Updated: November 1, 2025
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Summary of Fitness Bank vs. Marcus by Goldman Sachs
Key Metrics at a Glance
| Feature | Fitness Bank | Marcus by Goldman Sachs |
|---|---|---|
| Top Savings APY | 4.75% Fitness Elite Checking & Fitness Savings Combo | 3.65% Marcus Online Savings Account |
| 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 higher APY of 4.75% compared to Marcus's 3.65%.
- Fitness Bank's Fitness Elite Checking & Fitness Savings Combo has a tiered structure for higher earnings.
- Fitness Bank's BBB rating is A+.
Potential Drawbacks
- Fitness Bank has a low App Store rating of 1.7.
- Fitness Bank requires 15 debit card transactions and step tracking for the highest APY.
- Fitness Bank charges a $10 maintenance fee unless balance requirements are met.
Marcus by Goldman Sachs
Strengths
- Marcus by Goldman Sachs has a strong App Store rating of 4.8.
- Marcus offers a straightforward savings account with no maintenance fees.
- Marcus has no minimum deposit or balance requirements.
Potential Drawbacks
- Marcus's APY of 3.65% is lower than Fitness Bank's 4.75%.
- Marcus does not offer a tiered account structure for higher earnings.
- Marcus's BBB rating is also A+.
Summary: Fitness Bank offers a higher APY of 4.75% but has strict requirements for earning it, while Marcus provides a simpler account with no fees and a solid APY of 3.65%. Fitness Bank's app ratings are significantly lower, which may affect user experience. Both banks have an A+ BBB rating, ensuring trustworthiness, but Fitness Bank's maintenance fees could be a drawback for some users.
→ As of November 1, 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 Marcus by Goldman Sachs's 3.65% APY for its Marcus Online Savings Account, with a minimum balance of $0.
→ Fitness Bank yields $110 more than Marcus by Goldman Sachs on a $10,000 balance after one year. Fitness Bank pays $475, while Marcus by Goldman Sachs pays $365 - 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 Marcus by Goldman Sachs
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 OverviewMarcus by Goldman Sachs - Marcus Online Savings Account
Top APY: 3.65%
Total savings breakdown:
- Interest earned: $2,209.7 (10.93%)
- Total contributions: $13,000 (64.33%)
- Initial deposit: $5,000 (24.74%)
Your total balance
$20,209.70
Effective APY: 3.65% (based on your deposit and contributions)
Total balance: $20,209.7
Earnings: $2,209.7
Bank OverviewWith a $5,000 initial deposit and $13,000 in total contributions over 5 years, Fitness Bank's total earnings would be $715 higher than Marcus by Goldman Sachs's total earnings.
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
Compare Fitness Bank's vs Marcus by Goldman Sachs' Savings Accounts
| Fitness Bank | Marcus by Goldman Sachs | |||
|---|---|---|---|---|
| Product | Fitness Savings Account | Fitness Elite Checking & Fitness Savings Combo | vs | Marcus Online Savings Account |
| APY | 4.45% (as of 11/1/2025) | 4.75% (as of 11/1/2025) | 3.65% (as of 11/1/2025) | |
| Bundled Account | No | Yes | 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 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. | ||
| App Store Rating | 1.7/5 | 4.8/5 | ||
| Google Play Rating | No | 4.1/5 | ||
| BBB Rating | A+ | A+ | ||
Comparative Historical APY Insights (Last 8 Months)
| Fitness Bank | Marcus by Goldman Sachs | |||
|---|---|---|---|---|
| Product | Fitness Elite Checking & Fitness Savings Combo | Fitness Savings Account | vs | Marcus Online Savings Account |
| Latest APY | 4.75 % | 4.45 % | 3.65 % | |
| Trend | Sideways | Sideways | Sideways | |
| Slope (bps/mo) | -4.3 | -1.7 | -2.0 | |
| Rate Changes / Mo | 0.26 | 0.26 | 0.26 | |
| Days Since Last Change | 59 | 59 | 157 | |
| High (-8 m) | 5.00 % | 4.55 % | 3.90 % | |
| Low (-8 m) | 4.75 % | 4.45 % | 3.65 % | |
| Draw-down from High | -5.0 % | -2.2 % | -6.4 % | |
| Volatility (CV) | 0.023 | 0.010 | 0.016 | |
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 230 days.
- Low (-8 m)
- Lowest APY in the last 230 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.