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.
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 OverviewTIMBR - 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 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 |