Fitness Bank vs. Salem Five Direct
Compare rates, requirements, and features side-by-side to find the best option for you.
| Metric | Fitness BankFitness Elite Checking & Fitness Savings Combo Jan 7, 2026 | Salem Five DirecteOne Savings Jan 7, 2026 |
|---|---|---|
| APY | 4.75% | 3.61% |
Est. Earnings | $5,000+$238 $10,000+$475 $25,000+$1,188 | $5,000+$181 $10,000+$361 $25,000+$903 |
Min Deposit | $100 | $10 |
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 Bundle | FDIC InsuredLow MinimumsGreat iOS AppGreat Android AppZelle® Supported |
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. Salem Five Direct
As of 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 Salem Five Direct's 3.61% APY for its eOne Savings account, with a minimum balance of $0.01.
Fitness Bank pays $114 more than Salem Five Direct on a $10,000 balance after one year. Fitness Bank pays $475, while Salem Five Direct pays $361 - an APY advantage for Fitness Bank.
In addition, Fitness Bank also offers 4.45% APY for the Fitness Savings Account account, with a minimum balance of $100.
Why Fitness Bank?
- ✓Higher potential APY (4.45%-4.75% vs 3.61%) on all balances
- ✓Offers 2 different high-yield savings options
Why Salem Five Direct?
- ✓Higher rated iOS app (4.7 vs 1.7)
- ✓Higher rated Android app (4.2 vs 0.0)
- ✓Fast transfers via Zelle®
— 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 $361/yr).
Better Returns at $25,000
Fitness BankFitness Bank's Fitness Elite Checking & Fitness Savings Combo pulls ahead with larger amounts (approx. $1188 vs $903/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
Salem Five DirectSalem Five Direct offers an iOS app rated 4.7 (vs. 1.7) and Android app rated 4.2 (vs. 0.0)
Shared Benefits
Over a 1-year period, Fitness Bank's Fitness Elite Checking & Fitness Savings Combo pays $114 more interest on a $10,000 balance than Salem Five Direct's eOne Savings.
*This calculation assumes current rates remain consistent for 1 year and does not include temporary bonuses.
Executive Summary as of
Fitness Bank offers a competitive Fitness Elite Checking & Fitness Savings Combo with a high APY of 4.75%, making it the clear winner among the two banks. This account requires customers to maintain a $5,000 average minimum balance and make 15 debit card transactions per account period, along with tracking daily steps for the highest tier. In contrast, Salem Five Direct's eOne Savings account provides an APY of 3.61%, with no minimum balance requirement and no maintenance fees, but it falls short of Fitness Bank's offerings. Both banks operate online only, and Fitness Bank's accounts are tiered, while Salem Five Direct's eOne Savings is simpler.
The analysis is based on current Banksparency database records
* This content is provided for informational purposes only; always verify details with the provider.
Non-sponsored link to official site
Non-sponsored link to official site
Top Market Contenders
Fitness Bank vs. Salem Five Direct Savings Calculator
You earn $114 more with Fitness Bank than Salem Five Direct 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+$475.00(4.5%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,475.00
Salem Five Direct
eOne Savings
Savings Breakdown
- Interest Earned+$361.00(3.5%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,361.00
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
| Feature | Fitness Bank | Salem Five Direct |
|---|---|---|
| APY | 4.75% Verified: 1/7/2026 Stable (90d) | 3.61% Verified: 1/7/2026 ↘︎ 0.40%90d Change |
| Product Name | Fitness Elite Checking & Fitness Savings Combo | eOne Savings |
| Minimum Deposit | $100 | $10 |
| Min. Balance for APY | $100 | $0.01 |
| 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 | iOS4.7 Android4.2 |
| Zelle® Support | Not Supported | Available Uses shared Salem Five mobile platform. |
| 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 | Visit SiteVerify at Fitness Bank Non-sponsored link to official site | Visit SiteVerify at Salem Five Direct Non-sponsored link to official site |
📈 Compare Savings Rates Over Time
Historical Performance
| Metric | Fitness Bank | Salem Five Direct | |
|---|---|---|---|
| Fitness Elite Checking & Fitness Savings Combo | Fitness Savings Account | eOne Savings | |
Current APY | 4.75% | 4.45% | 3.61% |
Trend | Stable | Stable | Stable |
Velocity (bps/mo) | -3.7 | -1.5 | -4.2 |
Days Since Change | 126 | 126 | 21 |
10-Month High | 5.00% | 4.55% | 4.01% |
10-Month Low | 4.75% | 4.45% | 3.61% |
Adjustments / Mo | 0.20 | 0.20 | 0.30 |
Volatility Score | 0.024 | 0.011 | 0.039 |
How to read these metrics(Click to expand)
Compare Similar Alternatives
Compare Fitness Bank vs...
Comparing against other Bundled Accounts
Compare Salem Five Direct vs...
Comparing against Standard Savings