Fitness Bank vs. Timbr

High-Yield Savings Account Comparison

By Aviel Fahl|Last Updated: October 21, 2025

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Summary of Fitness Bank vs. TIMBR

Key Metrics at a Glance

FeatureFitness BankTIMBR
Top Savings APY

4.75%

Fitness Elite Checking & Fitness Savings Combo

4.40%

Premium Savings Account

Minimum to Open$100$1,000
Minimum Balance for Top APY$100$0
NoteThis 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% for its Fitness Elite Checking & Fitness Savings Combo.
  • Fitness Bank has a better App Store rating of 1.7 compared to TIMBR's rating.
  • Fitness Bank's Fitness Savings Account has a competitive APY of 4.45%.

Potential Drawbacks

  • Fitness Bank has a maintenance fee of $10, which is waived only for higher balances.
  • Fitness Bank requires specific conditions to earn the highest APY, including step tracking.
  • Fitness Bank has a low Google Play rating of 0.0.

TIMBR

Strengths

  • TIMBR has no maintenance fees for its Premium Savings Account.
  • TIMBR offers a straightforward savings account with no direct deposit requirement.
  • TIMBR's BBB rating is A+, indicating strong trustworthiness.

Potential Drawbacks

  • TIMBR's Premium Savings Account has a lower APY of 4.4% compared to Fitness Bank.
  • TIMBR requires a minimum deposit of $1,000 to open the Premium Savings Account.
  • TIMBR is not BBB Accredited despite having an A+ rating.
Summary: Fitness Bank provides a higher APY of 4.75% for its savings combo account, while TIMBR offers a competitive 4.4% with no maintenance fees. Fitness Bank's accounts have specific requirements to earn top rates, whereas TIMBR's account is more straightforward but requires a higher minimum deposit. Both banks hold an A+ BBB rating, but Fitness Bank struggles with user ratings on app platforms.

→ 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 TIMBR's 4.40% APY for its Premium Savings Account, with a minimum balance of $0.

Fitness Bank yields $35 more than TIMBR on a $10,000 balance after one year. Fitness Bank pays $475, while TIMBR pays $440 - 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 TIMBR

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 Overview

TIMBR - Premium Savings Account

Top APY: 4.40%

Total savings breakdown:

  • Interest earned: $2,694.7 (13.02%)
  • Total contributions: $13,000 (62.82%)
  • Initial deposit: $5,000 (24.16%)

Your total balance

$20,694.70

Effective APY: 4.40% (based on your deposit and contributions)

Total balance: $20,694.7

Earnings: $2,694.7

Bank Overview

With a $5,000 initial deposit and $13,000 in total contributions over 5 years, Fitness Bank's total earnings would be $230 higher than TIMBR's total earnings.

The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.

Compare Fitness Bank's vs TIMBR's Savings Accounts

Fitness BankTIMBR
ProductFitness Savings AccountFitness Elite Checking & Fitness Savings CombovsPremium Savings Account
APY
4.45% (as of 10/21/2025)4.75% (as of 10/21/2025)4.40% (as of 10/21/2025)
Bundled Account
NoYesNo
FDIC-insured
YesYesYes
Online OnlyYesYesYes
Compound Frequency
DailyDailyDaily
Minimum Deposit$100$100$1,000
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
NoNoNo
NoteThis 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 Rating1.7/5No
BBB RatingA+A+

Comparative Historical APY Insights (Last 7 Months)

Fitness BankTIMBR
ProductFitness Elite Checking & Fitness Savings ComboFitness Savings AccountvsPremium Savings Account
Latest APY4.75 %4.45 %4.40 %
TrendSidewaysSidewaysSideways
Slope (bps/mo)-4.2-1.7-1.4
Rate Changes / Mo0.270.270.14
Days Since Last Change4848190
High (-7 m)5.00 %4.55 %4.55 %
Low (-7 m)4.75 %4.45 %4.40 %
Draw-down from High-5.0 %-2.2 %-3.3 %
Volatility (CV)0.0210.0090.011
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.

More Comparisons

Compare Fitness Bank's APY of 4.75% with other banks
Compare TIMBR's APY of 4.40% with other banks