Fitness Bank vs. MutualOne Bank
Compare rates, requirements, and features side-by-side to find the best option for you.
| Metric | Fitness BankFitness Elite Checking & Fitness Savings Combo Jan 7, 2026 | MutualOne BankMo Premium Savings Jan 7, 2026 |
|---|---|---|
| APY | 4.75% | 4.07% |
Est. Earnings | $5,000+$238 $10,000+$475 $25,000+$1,188 | $5,000+$0 $10,000+$0 $25,000+$1,018 |
Min Deposit | $100 | $20,000 |
Snapshot view. Rates subject to change. | ||
Terms | 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. | - |
| Features | FDIC InsuredLow MinimumsChecking Bundle | FDIC InsuredHigh MinimumGreat iOS AppGreat Android AppIn-Person AccessZelle® Supported |
Comparison Analysis
Comparing Fitness Bank vs. MutualOne Bank
As of 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 MutualOne Bank's 4.07% APY for its Mo Premium Savings account, with a minimum balance of $20,000.
Fitness Bank pays $68 more than MutualOne Bank on a $10,000 balance after one year. Fitness Bank pays $475, while MutualOne Bank pays $407 - an APY advantage for Fitness Bank.
In addition, Fitness Bank also offers 4.45% APY for the Fitness Savings Account account, with a minimum balance of $100, while MutualOne Bank offers 0.40% APY for the Online Savings account, with a minimum balance of 0.
Why Fitness Bank?
- ✓Higher potential APY (4.45%-4.75% vs 4.07%) on all balances
- ✓Offers 2 different high-yield savings options
Why MutualOne Bank?
- ✓Physical branch access (Full-service banking offices in Framingham, MA, and Natick, MA)
- ✓Higher rated iOS app (4.9 vs 1.7)
- ✓Higher rated Android app (4.4 vs 0.0)
- ✓Fast transfers via Zelle®
— 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 $0/yr).
Better Returns at $25,000
Fitness BankFitness Bank's Fitness Elite Checking & Fitness Savings Combo pulls ahead with larger amounts (approx. $1188 vs $1018/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
MutualOne BankMutualOne Bank offers an iOS app rated 4.9 (vs. 1.7) and Android app rated 4.4 (vs. 0.0)
Shared Benefits
Over a 1-year period, Fitness Bank's Fitness Elite Checking & Fitness Savings Combo pays $68 more interest on a $10,000 balance than MutualOne Bank's Mo Premium Savings.
*This calculation assumes current rates remain consistent for 1 year and does not include temporary bonuses.
Executive Summary as of
Fitness Bank offers a competitive Fitness Elite Checking & Fitness Savings Combo with an APY of 4.75%, requiring a checking account and specific activity to maintain this rate. In contrast, MutualOne Bank's Mo Premium Savings provides a lower APY of 4.07% with a minimum deposit requirement of $20,000. While Fitness Bank's offerings are online-only and emphasize tracking daily steps for higher rates, MutualOne Bank has a physical presence and a strong mobile app experience. Overall, Fitness Bank's combination product stands out for higher returns, especially for customers willing to meet the activity requirements.
The analysis is based on current Banksparency database records
* This content is provided for informational purposes only; always verify details with the provider.
Non-sponsored link to official site
Non-sponsored link to official site
Top Market Contenders
Fitness Bank vs. MutualOne Bank Savings Calculator
You earn $136 more with Fitness Bank than MutualOne Bank on a $20,000 initial deposit for 1 year*.
*This calculation assumes that APYs remain unchanged for 1 year, and takes into account known promo rate periods, but does not factor in bonuses. You can see how often these banks have changed their rates in the Compare Savings Rates Over Time section below.
Fitness Bank
Fitness Elite Checking & Fitness Savings Combo
Savings Breakdown
- Interest Earned+$950.00(4.5%)
- Total Contributions$0
- Initial Deposit$20,000
Projected Balance
$20,950.00
MutualOne Bank
Mo Premium Savings
Savings Breakdown
- Interest Earned+$814.00(3.9%)
- Total Contributions$0
- Initial Deposit$20,000
Projected Balance
$20,814.00
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
| Feature | Fitness Bank | MutualOne Bank |
|---|---|---|
| APY | 4.75% Verified: 1/7/2026 Stable (90d) | 4.07% Verified: 1/7/2026 Stable (90d) |
| Product Name | Fitness Elite Checking & Fitness Savings Combo | Mo Premium Savings |
| Minimum Deposit | $100 | $20,000 |
| Min. Balance for APY | $100 | $20,000 |
| Monthly Fee | $10. Waived for average daily balances > $100 | $0 |
| Branch Access | None | Yes |
| Account Type | Online Only | Online & Branches |
| Direct Deposit Req. | None | None |
| Checking Bundle | Yes | No |
| Mobile Apps | iOS1.7 Android0.0 | iOS4.9 Android4.4 |
| Zelle® Support | Not Supported | Available Verified via website and app descriptions. |
| 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. | - |
| Next Steps | Visit SiteVerify at Fitness Bank Non-sponsored link to official site | Visit SiteVerify at MutualOne Bank Non-sponsored link to official site |
📈 Compare Savings Rates Over Time
Historical Performance
| Metric | Fitness Bank | MutualOne Bank | ||
|---|---|---|---|---|
| Fitness Elite Checking & Fitness Savings Combo | Fitness Savings Account | Online Savings | Mo Premium Savings | |
Current APY | 4.75% | 4.45% | 0.40% | 4.07% |
Trend | Stable | Stable | Stable | Stable |
Velocity (bps/mo) | 0.0 | -0.0 | 0.0 | -0.0 |
Days Since Change | 114 | 114 | 114 | 114 |
4-Month High | 4.75% | 4.45% | 0.40% | 4.07% |
4-Month Low | 4.75% | 4.45% | 0.40% | 4.07% |
Adjustments / Mo | 0.00 | 0.00 | 0.00 | 0.00 |
Volatility Score | 0.000 | 0.000 | 0.000 | 0.000 |
How to read these metrics(Click to expand)
Compare Similar Alternatives
Compare Fitness Bank vs...
Comparing against other Bundled Accounts
Compare MutualOne Bank vs...
Comparing against Standard Savings