Fitness Bank vs. Peak Bank
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
Peak Bank
Envision High Yield Savings
4.20%APYDec 6, 2025FDIC InsuredLow MinimumsGreat iOS AppGreat Android AppShow Fine Print & Trends Hide Details
Peak Bank
Envision High Yield 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. Peak Bank
Why Fitness Bank?
- ✓Higher potential APY (4.45%-4.75% vs 4.20%) on all balances
- ✓Offers 2 different high-yield savings options
Why Peak Bank?
- ✓Higher rated iOS app (4.8 vs 1.7)
- ✓Higher rated Android app (4.6 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
Peak BankPeak Bank offers an iOS app rated 4.8 (vs. 1.7) and Android app rated 4.6 (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 Peak Bank's Envision High Yield Savings.
Executive Summary
Fitness Bank offers a more attractive savings option with its Fitness Elite Checking & Fitness Savings Combo, providing a competitive APY of 4.75%, contingent on maintaining certain activity levels and balances. In contrast, Peak Bank's Envision High Yield Savings account offers a slightly lower APY of 4.20% with no maintenance fees and no direct deposit requirement. Both accounts require a minimum deposit of $100, and while Fitness Bank's highest yield is tied to specific conditions, it excels in overall returns for customers who meet those criteria. Peak Bank is noted for its superior mobile app experience.
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 Peak Bank.
| Feature | Fitness Bank | Peak Bank |
|---|---|---|
| APY | 4.75% Verified: 12/6/2025 Stable (90d) | 4.20% Verified: 12/6/2025 ↘︎ 0.15%90d Change |
| Product Name | Fitness Elite Checking & Fitness Savings Combo | Envision High Yield Savings |
| Minimum Deposit | $100 | $100 |
| Min. Balance for APY | $100 | N/A |
| 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 Android4.6 |
| 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 |
Savings Comparison
Fitness Bank earns $360.4 more than Peak Bank.
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
Peak Bank
Envision High Yield 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 | Peak Bank | |
|---|---|---|---|
| Fitness Elite Checking & Fitness Savings Combo | Fitness Savings Account | Envision High Yield Savings | |
Current APY | 4.75% | 4.45% | 4.20% |
Trend | Stable | Stable | Stable |
Velocity (bps/mo) | -4.0 | -1.6 | -4.4 |
Days Since Change | 94 | 94 | 66 |
9-Month High | 5.00% | 4.55% | 4.54% |
9-Month Low | 4.75% | 4.45% | 4.20% |
Adjustments / Mo | 0.23 | 0.23 | 0.34 |
Volatility Score | 0.024 | 0.010 | 0.028 |
How to read these metrics(Click to expand)
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