Fitness Bank vs. Pnc
High-Yield Savings Account Comparison
By Aviel Fahl|Last Updated: November 14, 2025
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Summary of Fitness Bank vs. PNC
Key Metrics at a Glance
| Feature | Fitness Bank | PNC |
|---|---|---|
| Top Savings APY | 4.75% Fitness Elite Checking & Fitness Savings Combo | 3.53% PNC High Yield Savings |
| 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. | Eligibility restricted. |
Fitness Bank
Strengths
- Fitness Bank offers a higher APY of 4.75% for the Fitness Elite Checking & Fitness Savings Combo.
- Fitness Bank has no minimum balance requirement for maintaining the highest APY in the Fitness Savings Account.
Potential Drawbacks
- Fitness Bank has a low App Store rating of 1.7 and a Google Play rating of 0.0.
- Fitness Bank charges a maintenance fee of $10 unless certain balance conditions are met.
PNC
Strengths
- PNC has a high App Store rating of 4.9 and a Google Play rating of 4.6.
- PNC's High Yield Savings has no maintenance fees and no minimum deposit requirement.
Potential Drawbacks
- PNC's High Yield Savings APY is lower at 3.53%, down from 3.85% 30 days ago.
- Eligibility for PNC's High Yield Savings is restricted, limiting access.
Summary: Fitness Bank's high-yield savings account offers a superior APY of 4.75% with no minimum balance, but has poor app ratings and maintenance fees. In contrast, PNC provides a lower APY of 3.53% with no fees or minimums, but has restricted eligibility and lower app ratings. Overall, Fitness Bank may attract those prioritizing higher interest, while PNC appeals to users seeking fee-free access.
→ As of November 14, 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 PNC's 3.53% APY for its PNC High Yield Savings account, with a minimum balance of $0.
→ Fitness Bank yields $122 more than PNC on a $10,000 balance after one year. Fitness Bank pays $475, while PNC pays $353 - an APY advantage for Fitness Bank.
→ In addition, Fitness Bank also offers 4.45% APY for the Fitness Savings Account account, while PNC offers 0.03% APY for the Standard Savings account.
Calculate Savings Growth for Fitness Bank vs PNC
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 OverviewPNC - PNC High Yield Savings
Top APY: 3.53%
Total savings breakdown:
- Interest earned: $2,133.2 (10.60%)
- Total contributions: $13,000 (64.57%)
- Initial deposit: $5,000 (24.83%)
Your total balance
$20,133.20
Effective APY: 3.53% (based on your deposit and contributions)
Total balance: $20,133.2
Earnings: $2,133.2
Bank OverviewWith a $5,000 initial deposit and $13,000 in total contributions over 5 years, Fitness Bank's total earnings would be $791.5 higher than PNC's total earnings.
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
Compare Fitness Bank's vs PNC's Savings Accounts
| Fitness Bank | PNC | ||||
|---|---|---|---|---|---|
| Product | Fitness Savings Account | Fitness Elite Checking & Fitness Savings Combo | vs | Standard Savings | PNC High Yield Savings |
| APY | 4.45% (as of 11/14/2025) | 4.75% (as of 11/14/2025) | 0.03% (as of 11/14/2025) | 3.53% (as of 11/14/2025) | |
| Bundled Account | No | Yes | No | No | |
| FDIC-insured | Yes | Yes | Yes | Yes | |
| Online Only | Yes | Yes | No | No | |
| Compound Frequency | Daily | Daily | Monthly | Monthly | |
| Minimum Deposit | $100 | $100 | $0 | $0 | |
| Minimum Balance for APY | $100 | $100 | $1 | $0 | |
| Maintenance Fee | $10. Waived for average daily balances > $100 | $10. Waived for average daily balances > $100 | $0 / $5 (see bank for details) | $0 | |
| Direct Deposit Required | No | No | No | No | |
| Eligibility | United States | United States | United States | AK, AR, CT, HI, ID, IA, LA, ME, MN, MS, MT, NE, NV, NH, ND, OK, OR, RI, SD, UT, VT, WA, WY | |
| 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. | APY may improve with a linked PNC account. Terms and conditions apply. | Eligibility restricted. | |
| App Store Rating | 1.7/5 | 4.9/5 | |||
| Google Play Rating | No | 4.6/5 | |||
| BBB Rating | A+ | A+ | |||
Comparative Historical APY Insights (Last 8 Months)
| Fitness Bank | PNC | ||||
|---|---|---|---|---|---|
| Product | Fitness Elite Checking & Fitness Savings Combo | Fitness Savings Account | vs | PNC High Yield Savings | Standard Savings |
| Latest APY | 4.75 % | 4.45 % | 3.53 % | 0.03 % | |
| Trend | Sideways | Sideways | Sideways | Sideways | |
| Slope (bps/mo) | -4.2 | -1.7 | -2.1 | 0.2 | |
| Rate Changes / Mo | 0.25 | 0.25 | 0.37 | 0.12 | |
| Days Since Last Change | 72 | 72 | 1 | 197 | |
| High (-8 m) | 5.00 % | 4.55 % | 3.95 % | 0.03 % | |
| Low (-8 m) | 4.75 % | 4.45 % | 3.53 % | 0.01 % | |
| Draw-down from High | -5.0 % | -2.2 % | -10.6 % | 0.0 % | |
| Volatility (CV) | 0.023 | 0.010 | 0.019 | 0.299 | |
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 243 days.
- Low (-8 m)
- Lowest APY in the last 243 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.