Fitness Bank vs. Synchrony Bank
Compare rates, requirements, and features side-by-side to find the best option for you.
Fitness Bank
Fitness Elite Checking & Fitness Savings Combo
4.75%APYDec 17, 2025FDIC InsuredChecking BundleLow MinimumsShow Fine Print & Trends Hide Details
Fitness Bank
Fitness Elite Checking & Fitness Savings Combo
Synchrony Bank
High Yield Savings
3.65%APYDec 17, 2025FDIC InsuredNo MinimumsGreat iOS AppGreat Android AppShow Fine Print & Trends Hide Details
Synchrony Bank
High Yield Savings
Comparison Analysis
Comparing Fitness Bank vs. Synchrony Bank
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 Synchrony Bank's 3.65% APY for its High Yield Savings account, with a minimum balance of $0.
Fitness Bank pays $110 more than Synchrony Bank on a $10,000 balance after one year. Fitness Bank pays $475, while Synchrony Bank pays $365 - 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 3.65%) on all balances
- ✓Offers 2 different high-yield savings options
Why Synchrony Bank?
- ✓Higher rated iOS app (4.8 vs 1.7)
- ✓Higher rated Android app (4.4 vs 0.0)
— 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 $365/yr).
Better Returns at $25,000
Fitness BankFitness Bank's Fitness Elite Checking & Fitness Savings Combo pulls ahead with larger amounts (approx. $1188 vs $912/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
Synchrony BankSynchrony Bank offers an iOS app rated 4.8 (vs. 1.7) and Android app rated 4.4 (vs. 0.0)
Shared Benefits
Over a 1-year period, Fitness Bank's Fitness Elite Checking & Fitness Savings Combo pays $110 more interest on a $10,000 balance than Synchrony Bank's High Yield Savings.
*This calculation assumes current rates remain consistent for 1 year and does not include temporary bonuses.
Executive Summary
Fitness Bank offers a standout product with its Fitness Elite Checking & Fitness Savings Combo, providing a competitive APY of 4.75%. This tiered account requires maintaining a $5,000 average balance and completing 15 debit card transactions per account period, alongside tracking daily steps with their app. Alternatively, the Fitness Savings Account yields 4.45% APY without bundling or direct deposit requirements. In contrast, Synchrony Bank's High Yield Savings account offers a lower APY of 3.65% with no minimum deposit or maintenance fees, but lacks the higher returns associated with Fitness Bank's offerings. Both banks operate online only.
Analysis generated based on current Banksparency database records
* AI-generated content provided for informational purposes only. Accuracy is not guaranteed; always verify details with the provider.
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.
Fitness Bank vs. Synchrony Bank Savings Calculator
You earn $110 more with Fitness Bank than Synchrony Bank 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
Synchrony Bank
High Yield Savings
Savings Breakdown
- Interest Earned+$365.00(3.5%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,365.00
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
Top Market Contenders
See who beats both Fitness Bank and Synchrony Bank.
| Feature | Fitness Bank | Synchrony Bank |
|---|---|---|
| APY | 4.75% Verified: 12/17/2025 Stable (90d) | 3.65% Verified: 12/17/2025 ↘︎ 0.15%90d Change |
| Product Name | Fitness Elite Checking & Fitness Savings Combo | High Yield Savings |
| Minimum Deposit | $100 | $0 |
| Min. Balance for APY | $100 | $0 |
| 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 | iOS4.8 Android4.4 |
| BBB Rating | A+ | Not Rated |
| 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 |
📈 Compare Savings Rates Over Time
Historical Performance
| Metric | Fitness Bank | Synchrony Bank | |
|---|---|---|---|
| Fitness Elite Checking & Fitness Savings Combo | Fitness Savings Account | High Yield Savings | |
Current APY | 4.75% | 4.45% | 3.65% |
Trend | Stable | Stable | Stable |
Velocity (bps/mo) | -3.9 | -1.6 | -3.5 |
Days Since Change | 105 | 105 | 29 |
9-Month High | 5.00% | 4.55% | 4.00% |
9-Month Low | 4.75% | 4.45% | 3.65% |
Adjustments / Mo | 0.22 | 0.22 | 0.22 |
Volatility Score | 0.024 | 0.011 | 0.029 |
How to read these metrics(Click to expand)
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