Fitness Bank vs Presidential Bank
High-Yield Savings Accounts Comparison
Last Updated: August 29, 2025
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Summary of Fitness Bank vs. Presidential Bank
As of August 29, 2025 Fitness Bank offers an APY of 4.85% for its Fitness Elite Checking & Fitness Savings Combo account, compared to Presidential Bank's 4.50% APY for its Advantage Savings account.
Fitness Bank yields $35 more than Presidential Bank on a $10,000 balance after one year. Fitness Bank pays $485, while Presidential Bank pays $450 - an APY advantage for Fitness Bank.
In addition, Fitness Bank also offers 4.50% APY for the Fitness Savings Account account.
Fitness Bank
Strengths
- Fitness Bank offers a higher APY of 4.85% for its Fitness Elite Checking & Fitness Savings Combo.
- Fitness Bank has an A+ BBB rating, indicating strong trustworthiness.
Potential Drawbacks
- Fitness Bank has a low App Store rating of 1.7 and a Google Play rating of 0.0.
- Fitness Bank's APY decreased from 5.00% to 4.85% in the last 30 days.
Presidential Bank
Strengths
- Presidential Bank has a $0 maintenance fee for its Advantage Savings account.
- Presidential Bank has a strong App Store rating of 4.8 and a Google Play rating of 4.2.
Potential Drawbacks
- Presidential Bank requires a $5,000 minimum deposit to open the Advantage Savings account.
- Presidential Bank has an A- BBB rating and is not BBB Accredited.
Summary: Fitness Bank provides a higher APY of 4.85% compared to Presidential Bank's 4.5%, but it has lower app ratings and a recent APY drop. Presidential Bank offers a $0 maintenance fee and a solid app rating, but requires a higher minimum deposit and has a lower BBB rating. Overall, Fitness Bank may appeal to those seeking higher yields, while Presidential Bank offers better branch access and customer service ratings.
Compare Fitness Bank's vs Presidential Bank's Savings Accounts
| Fitness Bank | Presidential Bank | |||
|---|---|---|---|---|
| Product | Fitness Savings Account | Fitness Elite Checking & Fitness Savings Combo | vs | Advantage Savings |
| APY | 4.50% (as of 8/29/2025) | 4.85% (as of 8/29/2025) | 4.00% - 4.50% (as of 8/29/2025) | |
| Bundled Account | No | Yes | Yes | |
| FDIC-insured | Yes | Yes | Yes | |
| Online Only | Yes | Yes | No | |
| Compound Frequency | Daily | Daily | Monthly | |
| Minimum Deposit | $100 | $100 | $5,000 | |
| Minimum Balance for APY | $100 | $100 | N/A | |
| Maintenance Fee | $10. Waived for average daily balances > $100 | $10. Waived for average daily balances > $100 | $0 | |
| Direct Deposit Required | No | No | Yes. To earn the higher APY you need a monthly direct deposit into an Advantage Checking Account of $500. | |
| 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 | 4.2/5 | ||
| BBB Rating | A+ | A- | ||
Comparative Historical APY Insights (Last 6 Months)
| Fitness Bank | Presidential Bank | |||
|---|---|---|---|---|
| Product | Fitness Elite Checking & Fitness Savings Combo | Fitness Savings Account | vs | Advantage Savings |
| Latest APY | 4.85 % | 4.50 % | 4.50 % | |
| Trend | Sideways | Sideways | Sideways | |
| Slope (bps/mo) | -2.3 | -0.8 | 0.0 | |
| Rate Changes / Mo | 0.18 | 0.18 | 0.00 | |
| Days Since Last Change | 31 | 31 | 168 | |
| High (-6 m) | 5.00 % | 4.55 % | 4.50 % | |
| Low (-6 m) | 4.85 % | 4.50 % | 4.50 % | |
| Draw-down from High | -3.0 % | -1.1 % | 0.0 % | |
| Volatility (CV) | 0.012 | 0.004 | 0.000 | |
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 168 days.
- Low (-6 m)
- Lowest APY in the last 168 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 Presidential Bank
All calculations are based on APY.
Fitness Bank
APY: 4.85%
Total savings breakdown:
- Interest earned: $2,990.9 (14.25%)
- Total contributions: $13,000 (61.93%)
- Initial deposit: $5,000 (23.82%)
Your total balance
$20,990.90
Effective APY: 4.85% (based on your deposit and contributions)
Total balance: $20,990.9
Earnings: $2,990.9
Bank OverviewPresidential Bank
APY: 4.50%
Total savings breakdown:
- Interest earned: $2,760.1 (13.30%)
- Total contributions: $13,000 (62.62%)
- Initial deposit: $5,000 (24.08%)
Your total balance
$20,760.10
Effective APY: 4.50% (based on your deposit and contributions)
Total balance: $20,760.1
Earnings: $2,760.1
Bank OverviewWith a $5,000 initial deposit and $13,000 in total contributions over 5 years, Fitness Bank's total earnings would be $230.8 higher than Presidential Bank'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 4.85% with other banks
| Bank Pair | Best 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 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 Marcus by Goldman Sachs | 3.65% | $0 |
| Fitness Bank vs SoFi Bank | 3.80% | $0 |
| Fitness Bank vs Synchrony Bank | 3.80% | $0 |
| Fitness Bank vs UFB Direct | 4.21% | $5000 |
| Fitness Bank vs Varo Bank | 5.00% | $0 |
| Fitness Bank vs Wells Fargo | 2.51% | $25 |
Compare Presidential Bank's APY of 4.50% with other banks
| Bank Pair | Best APY | Min Deposit |
|---|---|---|
| Presidential Bank vs Ally Bank | 3.50% | $0 |
| Presidential Bank vs American Express | 3.50% | $0 |
| Presidential Bank vs Axos Bank | 4.46% | $0 |
| Presidential Bank vs Bank of America | 0.01% | $100 |
| Presidential Bank vs Barclays | 4.10% | $0 |
| Presidential Bank vs Capital One | 3.50% | $0 |
| Presidential Bank vs Chase Bank | 0.01% | $0 |
| Presidential Bank vs Chime | 3.75% | $0 |
| Presidential Bank vs CIT Bank | 4.00% | $100 |
| Presidential Bank vs Discover Bank | 3.50% | $0 |
| Presidential Bank vs Marcus by Goldman Sachs | 3.65% | $0 |
| Presidential Bank vs SoFi Bank | 3.80% | $0 |
| Presidential Bank vs Synchrony Bank | 3.80% | $0 |
| Presidential Bank vs UFB Direct | 4.21% | $5000 |
| Presidential Bank vs Varo Bank | 5.00% | $0 |
| Presidential Bank vs Wells Fargo | 2.51% | $25 |