Fitness Bank vs. Santander Bank
High-Yield Savings Account Comparison
By Aviel Fahl|Last Updated: October 21, 2025
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Summary of Fitness Bank vs. Santander Bank
Key Metrics at a Glance
| Feature | Fitness Bank | Santander Bank |
|---|---|---|
| Top Savings APY | 4.75% Fitness Elite Checking & Fitness Savings Combo | 0.01% Santander Savings |
| Minimum to Open | $100 | $25 |
| 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 high APY of 4.75% for the Fitness Elite Checking & Fitness Savings Combo.
- Fitness Bank has an A+ BBB rating, indicating strong trustworthiness.
- Fitness Bank's Fitness Savings Account has a competitive APY of 4.45%.
Potential Drawbacks
- Fitness Bank has a low App Store rating of 1.7 and a Google Play rating of 0.0.
- Fitness Bank requires maintaining a $5,000 average balance for the highest APY tier.
- Fitness Bank charges a $10 maintenance fee unless certain conditions are met.
Santander Bank
Strengths
- Santander Bank has a high App Store rating of 4.8 and a Google Play rating of 4.1.
- Santander Bank has a low minimum deposit requirement of $25 for the savings account.
- Santander Bank has branches primarily in the Northeast and Miami, Florida.
Potential Drawbacks
- Santander Bank offers a significantly lower APY of 0.01% compared to Fitness Bank.
- Santander Bank is not BBB accredited and has no BBB rating.
- Santander Bank charges a $1 maintenance fee for the savings account.
Summary: Fitness Bank provides a much higher APY of 4.75% for its savings combo, alongside an A+ BBB rating. In contrast, Santander Bank offers a minimal APY of 0.01% and is not BBB accredited, although it boasts a higher App Store rating. Santander's lower minimum deposit and branch presence may appeal to some users, but the significant difference in APY is likely to be the most crucial factor for savers.
→ As of October 21, 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 Santander Bank's 0.01% APY for its Santander Savings account, with a minimum balance of $0.
→ Fitness Bank yields $474 more than Santander Bank on a $10,000 balance after one year. Fitness Bank pays $475, while Santander Bank pays $1 - 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 Santander 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 OverviewSantander Bank - Santander Savings
Top APY: 0.01%
Total savings breakdown:
- Interest earned: $5.7 (0.03%)
- Total contributions: $13,000 (72.20%)
- Initial deposit: $5,000 (27.77%)
Your total balance
$18,005.70
Effective APY: 0.01% (based on your deposit and contributions)
Total balance: $18,005.7
Earnings: $5.7
Bank OverviewWith a $5,000 initial deposit and $13,000 in total contributions over 5 years, Fitness Bank's total earnings would be $2,919 higher than Santander 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 Santander Bank's Savings Accounts
| Fitness Bank | Santander Bank | |||
|---|---|---|---|---|
| Product | Fitness Savings Account | Fitness Elite Checking & Fitness Savings Combo | vs | Santander Savings |
| APY | 4.45% (as of 10/21/2025) | 4.75% (as of 10/21/2025) | 0.01% (as of 10/21/2025) | |
| Bundled Account | No | Yes | No | |
| FDIC-insured | Yes | Yes | Yes | |
| Online Only | Yes | Yes | No | |
| Compound Frequency | Daily | Daily | Daily | |
| Minimum Deposit | $100 | $100 | $25 | |
| Minimum Balance for APY | $100 | $100 | $0 | |
| Maintenance Fee | $10. Waived for average daily balances > $100 | $10. Waived for average daily balances > $100 | $1 | |
| 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 | 4.1/5 | ||
| BBB Rating | A+ | Not Rated | ||
Comparative Historical APY Insights (Last 7 Months)
| Fitness Bank | Santander Bank | |||
|---|---|---|---|---|
| Product | Fitness Elite Checking & Fitness Savings Combo | Fitness Savings Account | vs | Santander Savings |
| Latest APY | 4.75 % | 4.45 % | 0.01 % | |
| Trend | Sideways | Sideways | Sideways | |
| Slope (bps/mo) | -4.2 | -1.7 | -0.2 | |
| Rate Changes / Mo | 0.27 | 0.27 | 0.14 | |
| Days Since Last Change | 48 | 48 | 32 | |
| High (-7 m) | 5.00 % | 4.55 % | 0.03 % | |
| Low (-7 m) | 4.75 % | 4.45 % | 0.01 % | |
| Draw-down from High | -5.0 % | -2.2 % | -66.7 % | |
| Volatility (CV) | 0.021 | 0.009 | 0.260 | |
APY Insights Glossary
- Latest APY
- Most recent advertised annual-percentage yield.
- Trend
- Direction over the last 7 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 (-7 m)
- Highest APY in the last 219 days.
- Low (-7 m)
- Lowest APY in the last 219 days.
- Draw-down from High
- How far today sits below the 7-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.