Fitness Bank vs. Openbank
Comparing Fitness Bank and Openbank for high-yield savings: Fitness Bank's Fitness Elite Checking & Fitness Savings Combo pays 4.50% APY while Openbank's High-Yield Savings Account pays 4.00% APY.
Note: Fitness Bank requires a checking account.
See how they compare on rate stability, mobile app ratings, and more below.
The Bottom Line
Who pays more interest on $10,000? Fitness Bank pays $50 more than Openbank annually ($450 vs $400).
Choose Fitness Bank if getting the best rate matters most. Choose Openbank if you want a no-strings-attached account, or mobile app quality matters.
Important Considerations
Fitness Bank requires a checking account to unlock its top savings rate, while Openbank offers its savings account standalone.
| Metric | Fitness BankFitness Elite Checking & Fitness Savings Combo Apr 7, 2026 | OpenbankHigh-Yield Savings Account Apr 7, 2026 |
|---|---|---|
| APY | 4.50% | 4.00% |
Est. Earnings | $5,000+$225 $10,000+$450 $25,000+$1,125 | $5,000+$200 $10,000+$400 $25,000+$1,000 |
Min Deposit | $100 | $500 |
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 BundleDaily CompoundingRate Changes Often | FDIC InsuredLow MinimumsRate Changes Often |
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. Openbank
Executive Summary
Fitness Bank offers a competitive Fitness Elite Checking & Fitness Savings Combo with a top APY of 4.50%, making it the winner for those who can meet the account's tiered requirements, including maintaining a $5,000 average balance and making 15 debit card transactions. Alternatively, their Fitness Savings Account provides a straightforward 4.20% APY without bundling or direct deposit requirements. In comparison, Openbank's High-Yield Savings Account offers a slightly lower APY of 4.00% with no maintenance fees and a minimum deposit of $500. Both banks operate online only.
The analysis is based on current Banksparency database records
* This content is provided for informational purposes only; always verify details with the provider.
Why Fitness Bank?
- ✓Higher potential APY (4.20%-4.50% vs 4.00%) on all balances
- ✓Offers 2 different high-yield savings options
Why Openbank?
No distinct advantages found vs Fitness Bank.
— Key Feature Differences —
Better Returns at $10,000
Fitness BankFitness Bank's Fitness Elite Checking & Fitness Savings Combo earns more on smaller deposits (approx. $450 vs $400/yr).
Better Returns at $25,000
Fitness BankFitness Bank's Fitness Elite Checking & Fitness Savings Combo pulls ahead with larger amounts (approx. $1125 vs $1000/yr).
Best for Simplicity
Fitness BankFitness Bank's Fitness Savings Account offers 4.20% 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.
Shared Benefits
Over a 1-year period, Fitness Bank's Fitness Elite Checking & Fitness Savings Combo pays $50 more interest on a $10,000 balance than Openbank's High-Yield Savings Account.
*This calculation assumes current rates remain consistent for 1 year and does not include temporary bonuses.
Non-sponsored link to official site
Non-sponsored link to official site
Top Market Contenders
Fitness Bank vs. Openbank Savings Calculator
You earn $50 more with Fitness Bank than Openbank on a $10,000 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+$450.00(4.3%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,450.00
Openbank
High-Yield Savings Account
Savings Breakdown
- Interest Earned+$400.00(3.8%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,400.00
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
Still banking with Chase, Bank of America, or Wells Fargo?
On a $10,000 balance, you're missing out on at least $399 per year in interest.
Both Fitness Bank and Openbank dramatically outperform the typical 0.01% APY at traditional big banks.
| Feature | Fitness Bank | Openbank |
|---|---|---|
| APY | 4.50% Verified: 4/7/2026 ↘︎ 0.25%90d Change | 4.00% Verified: 4/7/2026 ↘︎ 0.20%90d Change |
| Product Name | Fitness Elite Checking & Fitness Savings Combo | High-Yield Savings Account |
| Minimum Deposit | $100 | $500 |
| Min. Balance for APY | $100 | $0 |
| Monthly Fee | $10. Waived for average daily balances > $100 | $0 |
| Compound Frequency | Daily | Monthly |
| Branch Access | None | None |
| Account Type | Online Only | Online Only |
| Physical Branches | N/A | None |
| Direct Deposit Req. | None | None |
| Checking Bundle | Yes | No |
| Mobile Apps | ||
| FDIC Insured | YesVerify FDIC | YesVerify FDIC |
| Zelle® Support | Not Supported | Not Supported |
| BBB Rating | A+ | Not Rated |
| 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 Openbank Non-sponsored link to official site |
📈 Compare Savings Rates Over Time
Historical Performance
| Metric | Fitness Bank | Openbank | |
|---|---|---|---|
| Fitness Elite Checking & Fitness Savings Combo | Fitness Savings Account | High-Yield Savings Account | |
Current APY | 4.50% | 4.20% | 4.00% |
Trend | Stable | Stable | Stable |
Velocity (bps/mo) | -4.6 | -3.0 | -2.5 |
Days Since Change | 63 | 63 | 7 |
12-Month High | 5.00% | 4.55% | 4.40% |
12-Month Low | 4.50% | 4.20% | 4.00% |
Adjustments / Mo | 0.25 | 0.25 | 0.33 |
Volatility Score | 0.036 | 0.028 | 0.023 |
How to read these metrics(Click to expand)
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Compare Fitness Bank's APY of 4.50% with other banks
| Bank Pair | Competitor APY | Min Deposit |
|---|---|---|
| Fitness Bank vs Ally Bank | 3.20% | $0 |
| Fitness Bank vs American Express | 3.20% | $0 |
| Fitness Bank vs Axos Bank | 4.21% | $0 |
| Fitness Bank vs Barclays | 3.85% | $0 |
| Fitness Bank vs Capital One | 3.20% | $0 |
| Fitness Bank vs Chime | 3.00% | $0 |
| Fitness Bank vs CIT Bank | 3.75% | $100 |
| Fitness Bank vs Discover Bank | 3.30% | $0 |
| Fitness Bank vs EverBank | 3.90% | $0 |
| Fitness Bank vs Marcus by Goldman Sachs | 3.65% | $0 |
| Fitness Bank vs Newtek Bank | 4.20% | $0.01 |
| Fitness Bank vs Pibank | 4.60% | $0 |
| Fitness Bank vs SoFi Bank | 4.00% | $0 |
| Fitness Bank vs Synchrony Bank | 3.50% | $0 |
| Fitness Bank vs Varo Bank | 5.00% | $0 |
| Fitness Bank vs Wealthfront | 4.20% | $0 |