Fitness Bank vs Marcus By Goldman Sachs
High-Yield Savings Accounts Comparison
Last Updated: September 16, 2025
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Summary of Fitness Bank vs. Marcus by Goldman Sachs
As of September 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 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.
Fitness Bank
Strengths
- Fitness Bank offers a higher APY of 4.75% compared to Marcus's 3.65%.
- Fitness Bank's BBB rating is A+, same as Marcus's.
- Fitness Bank's Fitness Elite Checking & Fitness Savings Combo allows for potential higher earnings.
Potential Drawbacks
- Fitness Bank's APY decreased from 4.85% over the last 30 days.
- Fitness Bank's App Store rating is low at 1.7, indicating user dissatisfaction.
- Fitness Bank has a maintenance fee of $10 unless conditions are met.
Marcus by Goldman Sachs
Strengths
- Marcus by Goldman Sachs has a consistent APY of 3.65% for the last 30 days.
- Marcus has a strong App Store rating of 4.8, reflecting user satisfaction.
- Marcus has no maintenance fees, making it more accessible.
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 potential earnings.
- Marcus's BBB rating is also A+, same as Fitness Bank's.
Summary: Fitness Bank provides a higher APY of 4.75% compared to Marcus's 3.65%, but its APY has decreased recently. Marcus excels with no maintenance fees and a strong App Store rating of 4.8. Both banks share an A+ BBB rating, but Fitness Bank's low App Store rating of 1.7 may deter potential customers. Overall, Fitness Bank offers better earnings potential, while Marcus provides a more user-friendly experience.
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 9/16/2025) | 4.75% (as of 9/16/2025) | 3.65% (as of 9/16/2025) | |
| 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 6 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) | -3.4 | -1.3 | -3.0 | |
| Rate Changes / Mo | 0.33 | 0.33 | 0.33 | |
| Days Since Last Change | 13 | 13 | 111 | |
| High (-6 m) | 5.00 % | 4.55 % | 3.90 % | |
| Low (-6 m) | 4.75 % | 4.45 % | 3.65 % | |
| Draw-down from High | -5.0 % | -2.2 % | -6.4 % | |
| Volatility (CV) | 0.016 | 0.007 | 0.018 | |
APY Insights Glossary
- Latest APY
- Most recent advertised annual-percentage yield.
- Trend
- Direction over the last 6 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 (-6 m)
- Highest APY in the last 184 days.
- Low (-6 m)
- Lowest APY in the last 184 days.
- Draw-down from High
- How far today sits below the 6-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 Marcus by Goldman Sachs
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 OverviewMarcus by Goldman Sachs
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.
More Comparisons
Compare Fitness Bank's APY of 4.75% with other banks
| Bank Pair | Competitor APY | Min Deposit |
|---|---|---|
| Fitness Bank vs Ally Bank | 3.50% | $0 |
| Fitness Bank vs American Express | 3.50% | $0 |
| Fitness Bank vs Axos Bank | 4.46% | $0 |
| Fitness Bank vs Bank of America | 0.01% | $100 |
| Fitness Bank vs Barclays | 4.10% | $0 |
| Fitness Bank vs BrioDirect | 4.30% | $5,000 |
| Fitness Bank vs Capital One | 3.50% | $0 |
| Fitness Bank vs Chase Bank | 0.01% | $0 |
| Fitness Bank vs Chime | 3.75% | $0 |
| Fitness Bank vs CIT Bank | 4.00% | $100 |
| Fitness Bank vs Discover Bank | 3.50% | $0 |
| Fitness Bank vs Elevault | 4.60% | $0 |
| Fitness Bank vs EverBank | 4.30% | $0 |
| Fitness Bank vs FVCbank | 4.35% | $500 |
| Fitness Bank vs GO2bank | 4.50% | $0 |
| Fitness Bank vs Neighbors Bank | 4.60% | $0 |
| Fitness Bank vs Newtek Bank | 4.35% | $0 |
| Fitness Bank vs Peak Bank | 4.35% | $100 |
| Fitness Bank vs Pibank | 4.60% | $0 |
| Fitness Bank vs Presidential Bank | 4.50% | $5,000 |
| Fitness Bank vs Santander Bank | 0.03% | $25 |
| Fitness Bank vs SoFi Bank | 4.50% | $0 |
| Fitness Bank vs Synchrony Bank | 3.80% | $0 |
| Fitness Bank vs TIMBR | 4.40% | $1,000 |
| Fitness Bank vs UFB Direct | 4.21% | $5000 |
| Fitness Bank vs Varo Bank | 5.00% | $0 |
| Fitness Bank vs Wells Fargo | 2.51% | $25 |
| Fitness Bank vs Zynlo Bank | 4.35% | $10 |