Fitness Bank vs Santander Bank
High-Yield Savings Accounts Comparison
Last Updated: September 5, 2025
We earn a commission if you open an account through some links on this page.
Summary of Fitness Bank vs. Santander Bank
As of September 5, 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 0.03% APY for its Santander Savings account, with a minimum balance of $0.
Fitness Bank yields $472 more than Santander Bank on a $10,000 balance after one year. Fitness Bank pays $475, while Santander Bank pays $3 - an APY advantage for Fitness Bank.
In addition, Fitness Bank also offers 4.45% APY for the Fitness Savings Account account.
Fitness Bank
Strengths
- Fitness Bank offers a high APY of 4.75%, though conditions apply.
- Fitness Bank's BBB rating is A+, indicating strong trustworthiness.
- Fitness Bank's Fitness Savings Account has a competitive APY of 4.45%.
Potential Drawbacks
- Fitness Bank's App Store rating is low at 1.7.
- Fitness Bank's APY decreased from 4.85% to 4.75% in 30 days.
- Fitness Bank charges a $10 maintenance fee unless conditions are met.
Santander Bank
Strengths
- Santander Bank has a solid App Store rating of 4.8.
- Santander Bank has branches primarily in the Northeast and Miami.
- Santander Bank's maintenance fee is only $1.
Potential Drawbacks
- Santander Bank's APY is significantly lower at 0.03%.
- Santander Bank's BBB rating is A- and not accredited.
- Santander Bank requires a minimum deposit of $25.
Summary: Fitness Bank offers a much higher APY of 4.75% compared to Santander Bank's 0.03%. However, Fitness Bank has a low App Store rating of 1.7 and a maintenance fee of $10, while Santander Bank has a more favorable App Store rating of 4.8 and a lower maintenance fee of $1. Fitness Bank's BBB rating is A+, while Santander's is A- and not accredited, indicating a difference in trustworthiness.
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 9/5/2025) | 4.75% (as of 9/5/2025) | 0.03% (as of 9/5/2025) | |
| 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 | 4.3/5 | ||
| BBB Rating | A+ | A- | ||
Comparative Historical APY Insights (Last 6 Months)
| Fitness Bank | Santander Bank | |||
|---|---|---|---|---|
| Product | Fitness Elite Checking & Fitness Savings Combo | Fitness Savings Account | vs | Santander Savings |
| Latest APY | 4.75 % | 4.45 % | 0.03 % | |
| Trend | Sideways | Sideways | Sideways | |
| Slope (bps/mo) | -2.7 | -1.0 | 0.0 | |
| Rate Changes / Mo | 0.35 | 0.35 | 0.00 | |
| Days Since Last Change | 2 | 2 | 172 | |
| High (-6 m) | 5.00 % | 4.55 % | 0.03 % | |
| Low (-6 m) | 4.75 % | 4.45 % | 0.03 % | |
| Draw-down from High | -5.0 % | -2.2 % | 0.0 % | |
| Volatility (CV) | 0.013 | 0.005 | 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 173 days.
- Low (-6 m)
- Lowest APY in the last 173 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 Santander Bank
All calculations are based on APY.
Fitness Bank
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
APY: 0.03%
Total savings breakdown:
- Interest earned: $17.2 (0.10%)
- Total contributions: $13,000 (72.15%)
- Initial deposit: $5,000 (27.75%)
Your total balance
$18,017.20
Effective APY: 0.03% (based on your deposit and contributions)
Total balance: $18,017.2
Earnings: $17.2
Bank OverviewWith a $5,000 initial deposit and $13,000 in total contributions over 5 years, Fitness Bank's total earnings would be $2,907.5 higher than Santander 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 4.75% with other banks
| Bank Pair | Competitor 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 BrioDirect | 4.30% | $5,000 |
| 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 Elevault | 4.60% | $0 |
| Fitness Bank vs EverBank | 4.30% | $0 |
| Fitness Bank vs FVCbank | 4.35% | $500 |
| Fitness Bank vs GO2bank | 4.50% | $0 |
| Fitness Bank vs Marcus by Goldman Sachs | 3.65% | $0 |
| Fitness Bank vs Neighbors Bank | 4.60% | $0 |
| Fitness Bank vs Newtek Bank | 4.35% | $0 |
| Fitness Bank vs Peak Bank | 4.35% | $100 |
| Fitness Bank vs Pibank | 4.60% | $0 |
| Fitness Bank vs Presidential Bank | 4.50% | $5,000 |
| Fitness Bank vs SoFi Bank | 3.80% | $0 |
| Fitness Bank vs Synchrony Bank | 3.80% | $0 |
| Fitness Bank vs TIMBR | 4.40% | $1,000 |
| Fitness Bank vs UFB Direct | 4.21% | $5000 |
| Fitness Bank vs Varo Bank | 5.00% | $0 |
| Fitness Bank vs Wells Fargo | 2.51% | $25 |
| Fitness Bank vs Zynlo Bank | 4.35% | $10 |