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
Feature | Fitness Bank | TIMBR |
---|---|---|
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 |
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 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.
→ 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
Fitness Bank - Fitness Elite Checking & Fitness Savings Combo
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
Total balance: $20,924.7
Earnings: $2,924.7
Bank OverviewTIMBR - Premium Savings Account
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
Total balance: $20,694.7
Earnings: $2,694.7
Bank OverviewWith 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 Bank | TIMBR | |||
---|---|---|---|---|
Product | Fitness Savings Account | Fitness Elite Checking & Fitness Savings Combo | vs | Premium 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 | No | Yes | No | |
FDIC-insured | Yes | Yes | Yes | |
Online Only | Yes | Yes | Yes | |
Compound Frequency | Daily | Daily | Daily | |
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 | 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 | No | ||
BBB Rating | A+ | A+ |
Comparative Historical APY Insights (Last 7 Months)
Fitness Bank | TIMBR | |||
---|---|---|---|---|
Product | Fitness Elite Checking & Fitness Savings Combo | Fitness Savings Account | vs | Premium Savings Account |
Latest APY | 4.75 % | 4.45 % | 4.40 % | |
Trend | Sideways | Sideways | Sideways | |
Slope (bps/mo) | -4.2 | -1.7 | -1.4 | |
Rate Changes / Mo | 0.27 | 0.27 | 0.14 | |
Days Since Last Change | 48 | 48 | 190 | |
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) | 0.021 | 0.009 | 0.011 |
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
Bank Pair | Competitor APY | Min Deposit |
---|---|---|
TIMBR vs Ally Bank | 3.40% | $0 |
TIMBR vs American Express | 3.50% | $0 |
TIMBR vs Axos Bank | 4.51% | $0 |
TIMBR vs Bank of America | 0.01% | $100 |
TIMBR vs Barclays | 4.10% | $0 |
TIMBR vs Bask Bank | 4.05% | $0 |
TIMBR vs BrioDirect | 4.20% | $5,000 |
TIMBR vs Capital One | 3.40% | $0 |
TIMBR vs Chase Bank | 0.01% | $0 |
TIMBR vs Chime | 3.50% | $0 |
TIMBR vs CIT Bank | 3.85% | $100 |
TIMBR vs Citizens Access™ | 3.50% | $0.01 |
TIMBR vs Discover Bank | 3.40% | $0 |
TIMBR vs Elevault | 4.34% | $0 |
TIMBR vs EverBank | 4.05% | $0 |
TIMBR vs FNBO Direct | 3.00% | $1 |
TIMBR vs FVCbank | 4.10% | $500 |
TIMBR vs GO2bank | 4.50% | $0 |
TIMBR vs LendingClub | 4.20% | $0 |
TIMBR vs Marcus by Goldman Sachs | 3.65% | $0 |
TIMBR vs Neighbors Bank | 4.50% | $0 |
TIMBR vs Newtek Bank | 4.35% | $0 |
TIMBR vs Peak Bank | 4.20% | $100 |
TIMBR vs Pibank | 4.60% | $0 |
TIMBR vs Presidential Bank | 4.50% | $5,000 |
TIMBR vs Santander Bank | 0.01% | $25 |
TIMBR vs SoFi Bank | 4.50% | $0 |
TIMBR vs Synchrony Bank | 3.80% | $0 |
TIMBR vs UFB Direct | 3.96% | $5000 |
TIMBR vs Valley Direct | 4.10% | $1,000 |
TIMBR vs Varo Bank | 5.00% | $0 |
TIMBR vs Wells Fargo | 0.05% | $25 |
TIMBR vs Zynlo Bank | 4.20% | $10 |