Fitness Bank vs. TIMBR
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 6, 2025FDIC InsuredChecking BundleLow MinimumsShow Fine Print & Trends Hide Details
Fitness Bank
Fitness Elite Checking & Fitness Savings Combo
TIMBR
Premium Savings Account
4.40%APYDec 6, 2025FDIC InsuredLow MinimumsShow Fine Print & Trends Hide Details
TIMBR
Premium Savings Account
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.
Comparison Analysis
Comparing Fitness Bank vs. TIMBR
Why Fitness Bank?
- ✓Higher potential APY (4.45%-4.75% vs 4.40%) on all balances
- ✓Offers 2 different high-yield savings options
Why TIMBR?
No distinct advantages found vs Fitness Bank.
— 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 $440/yr).
Better Returns at $25,000
Fitness BankFitness Bank's Fitness Elite Checking & Fitness Savings Combo pulls ahead with larger amounts (approx. $1188 vs $1100/yr).
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.
Shared Benefits
Over a 1-year period, Fitness Bank's Fitness Elite Checking & Fitness Savings Combo pays $35 more interest on a $10,000 balance than TIMBR's Premium Savings Account.
Executive Summary
Fitness Bank offers a competitive option with its Fitness Elite Checking & Fitness Savings Combo, yielding an impressive APY of 4.75%, contingent on meeting specific activity requirements such as maintaining a $5,000 average balance and tracking daily steps. In contrast, TIMBR's Premium Savings Account provides a slightly lower APY of 4.40% with no additional requirements, making it a simpler choice for savers. Both accounts are online-only, and while Fitness Bank has a maintenance fee, it can be waived with proper balance management. Overall, Fitness Bank stands out for those willing to meet the activity criteria.
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.
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See who beats both Fitness Bank and TIMBR.
| Feature | Fitness Bank | TIMBR |
|---|---|---|
| APY | 4.75% Verified: 12/6/2025 Stable (90d) | 4.40% Verified: 12/6/2025 Stable (90d) |
| Product Name | Fitness Elite Checking & Fitness Savings Combo | Premium Savings Account |
| Minimum Deposit | $100 | $1,000 |
| 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 | iOS- Android- |
| BBB Rating | A+ | A+ |
| 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 |
Savings Comparison
Fitness Bank earns $230 more than TIMBR.
Fitness Bank
Fitness Elite Checking & Fitness Savings Combo
Savings Breakdown
- Interest Earned+$2,924.70(14.0%)
- Total Contributions$13,000
- Initial Deposit$5,000
Projected Balance
$20,924.70
TIMBR
Premium Savings Account
Savings Breakdown
- Interest Earned+$2,694.70(13.0%)
- Total Contributions$13,000
- Initial Deposit$5,000
Projected Balance
$20,694.70
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
📈 Compare Savings Rates Over Time
Historical Performance
| Metric | Fitness Bank | TIMBR | |
|---|---|---|---|
| Fitness Elite Checking & Fitness Savings Combo | Fitness Savings Account | Premium Savings Account | |
Current APY | 4.75% | 4.45% | 4.40% |
Trend | Stable | Stable | Stable |
Velocity (bps/mo) | -4.0 | -1.6 | -0.9 |
Days Since Change | 94 | 94 | 236 |
9-Month High | 5.00% | 4.55% | 4.55% |
9-Month Low | 4.75% | 4.45% | 4.40% |
Adjustments / Mo | 0.23 | 0.23 | 0.11 |
Volatility Score | 0.024 | 0.010 | 0.010 |
How to read these metrics(Click to expand)
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