Fitness Bank vs. Quontic Bank
High-Yield Savings Account Comparison
By Aviel Fahl|Last Updated: November 12, 2025
We earn a commission if you open an account through some links on this page.
Summary of Fitness Bank vs. Quontic Bank
Key Metrics at a Glance
| Feature | Fitness Bank | Quontic Bank |
|---|---|---|
| Top Savings APY | 4.75% Fitness Elite Checking & Fitness Savings Combo | 3.75% High Yield Savings |
| Minimum to Open | $100 | $100 |
| 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. |
Fitness Bank
Strengths
- Fitness Bank offers a higher APY of 4.75% compared to Quontic Bank's 3.75%.
- Fitness Bank's Fitness Elite Checking & Fitness Savings Combo allows for tiered interest based on activity.
- 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 0.0 Google Play rating.
- Fitness Bank charges a $10 maintenance fee unless certain conditions are met.
- Fitness Bank's high APY requires meeting specific activity requirements.
Quontic Bank
Strengths
- Quontic Bank has a high App Store and Google Play rating of 4.8.
- Quontic Bank has no maintenance fees for its High Yield Savings account.
- Quontic Bank's High Yield Savings account has no minimum balance requirement.
Potential Drawbacks
- Quontic Bank's APY of 3.75% is lower than Fitness Bank's 4.75%.
- Quontic Bank is not BBB accredited despite having an A+ BBB rating.
- Quontic Bank has no branches for banking, only loan offices.
Summary: Fitness Bank offers a significantly higher APY of 4.75% compared to Quontic Bank's 3.75%, but requires specific activity to maintain it. Quontic Bank excels with no maintenance fees and high app ratings, but lacks physical branches and is not BBB accredited. Both banks have an A+ BBB rating, indicating trustworthiness, but Fitness Bank's app ratings are notably low.
→ As of November 12, 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 Quontic Bank's 3.75% APY for its High Yield Savings account, with a minimum balance of $0.
→ Fitness Bank yields $100 more than Quontic Bank on a $10,000 balance after one year. Fitness Bank pays $475, while Quontic Bank pays $375 - an APY advantage for Fitness Bank.
→ In addition, Fitness Bank also offers 4.45% APY for the Fitness Savings Account account.
Calculate Savings Growth for Fitness Bank vs Quontic Bank
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 OverviewQuontic Bank - High Yield Savings
Top APY: 3.75%
Total savings breakdown:
- Interest earned: $2,273.8 (11.22%)
- Total contributions: $13,000 (64.12%)
- Initial deposit: $5,000 (24.66%)
Your total balance
$20,273.80
Effective APY: 3.75% (based on your deposit and contributions)
Total balance: $20,273.8
Earnings: $2,273.8
Bank OverviewWith a $5,000 initial deposit and $13,000 in total contributions over 5 years, Fitness Bank's total earnings would be $650.9 higher than Quontic Bank's total earnings.
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
Compare Fitness Bank's vs Quontic Bank's Savings Accounts
| Fitness Bank | Quontic Bank | |||
|---|---|---|---|---|
| Product | Fitness Savings Account | Fitness Elite Checking & Fitness Savings Combo | vs | High Yield Savings |
| APY | 4.45% (as of 11/12/2025) | 4.75% (as of 11/12/2025) | 3.75% (as of 11/12/2025) | |
| Bundled Account | No | Yes | No | |
| FDIC-insured | Yes | Yes | Yes | |
| Online Only | Yes | Yes | Yes | |
| Compound Frequency | Daily | Daily | Daily | |
| Minimum Deposit | $100 | $100 | $100 | |
| Minimum Balance for APY | $100 | $100 | $0 | |
| Maintenance Fee | $10. Waived for average daily balances > $100 | $10. Waived for average daily balances > $100 | $0 | |
| Direct Deposit Required | No | No | No | |
| 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 | 4.8/5 | ||
| BBB Rating | A+ | A+ | ||
Comparative Historical APY Insights (Last 8 Months)
| Fitness Bank | Quontic Bank | |||
|---|---|---|---|---|
| Product | Fitness Elite Checking & Fitness Savings Combo | Fitness Savings Account | vs | High Yield Savings |
| Latest APY | 4.75 % | 4.45 % | 3.75 % | |
| Trend | Sideways | Sideways | Sideways | |
| Slope (bps/mo) | -4.2 | -1.7 | -1.8 | |
| Rate Changes / Mo | 0.25 | 0.25 | 0.12 | |
| Days Since Last Change | 71 | 71 | 139 | |
| High (-8 m) | 5.00 % | 4.55 % | 3.85 % | |
| Low (-8 m) | 4.75 % | 4.45 % | 3.75 % | |
| Draw-down from High | -5.0 % | -2.2 % | -2.6 % | |
| Volatility (CV) | 0.023 | 0.010 | 0.013 | |
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 242 days.
- Low (-8 m)
- Lowest APY in the last 242 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.