Fitness Bank vs Ufb Direct
High-Yield Savings Accounts Comparison
Last Updated: August 1, 2025
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Summary of Fitness Bank vs. UFB Direct
As of August 1, 2025 Fitness Bank offers an APY of 4.85% for its Fitness Elite Checking & Fitness Savings Combo account, compared to UFB Direct's 4.21% APY for its UFB Checking and Savings Bundle account.
Fitness Bank yields $64 more than UFB Direct on a $10,000 balance after one year. Fitness Bank pays $485, while UFB Direct pays $421 - an APY advantage for Fitness Bank.
In addition, Fitness Bank also offers 4.50% APY for the Fitness Savings Account account, while UFB Direct offers 4.01% APY for the UFB Portfolio Savings account.
Fitness Bank
Strengths
- Fitness Bank offers a higher APY of 4.85% for its Fitness Elite Checking & Fitness Savings Combo.
- Fitness Bank has no direct deposit requirement for its accounts.
Potential Drawbacks
- Fitness Bank's App Store rating is low at 1.7, indicating potential user dissatisfaction.
- Fitness Bank's APY decreased from 5.00% to 4.85% in the last 30 days.
UFB Direct
Strengths
- UFB Direct has a strong App Store and Google Play rating of 4.8.
- UFB Direct's Portfolio Savings account has no minimum deposit or balance requirement.
Potential Drawbacks
- UFB Direct requires a minimum deposit of $5,000 and a balance of $10,000 for its highest APY.
- UFB Direct's highest APY is lower at 4.21% compared to Fitness Bank's 4.85%.
Summary: Fitness Bank offers a higher APY of 4.85% without direct deposit requirements, but has a low App Store rating. UFB Direct has excellent app ratings and a no-fee savings account, though it requires higher minimum balances for its best APY of 4.21%. Overall, Fitness Bank may attract those seeking higher interest, while UFB Direct appeals to those valuing user experience and flexibility.
Compare Fitness Bank's vs UFB Direct's Savings Accounts
| Fitness Bank | UFB Direct | ||||
|---|---|---|---|---|---|
| Product | Fitness Savings Account | Fitness Elite Checking & Fitness Savings Combo | vs | UFB Portfolio Savings | UFB Checking and Savings Bundle |
| APY | 4.50% (as of 8/1/2025) | 4.85% (as of 8/1/2025) | 4.01% (as of 8/1/2025) | 4.01% - 4.21% (as of 8/1/2025) | |
| Bundled Account | No | Yes | No | No | |
| FDIC-insured | Yes | Yes | Yes | Yes | |
| Online Only | Yes | Yes | Yes | Yes | |
| Compound Frequency | Daily | Daily | Daily | Daily | |
| Minimum Deposit | $100 | $100 | $0 | $5000 | |
| Minimum Balance for APY | $100 | $100 | $0 | $10,000 | |
| Maintenance Fee | $10. Waived for average daily balances > $100 | $10. Waived for average daily balances > $100 | $0 | $0 | |
| Direct Deposit Required | No | No | No | Yes | |
| 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. | The regular savings or money market APY may be boosted up to 4.21% by direct deposits, minimum balance of $10,000 and making 10 approved debit card transactions per statement cycle. See bank for full details. | ||
| Sponsored Link | LEARN MORE at UFB Direct, Member FDIC | LEARN MORE at UFB Direct, Member FDIC | |||
| App Store Rating | 1.7/5 | 4.8/5 | |||
| Google Play Rating | No | 4.8/5 | |||
| BBB Rating | A+ | A+ | |||
Comparative Historical APY Insights (Last 5 Months)
| Fitness Bank | UFB Direct | ||||
|---|---|---|---|---|---|
| Product | Fitness Elite Checking & Fitness Savings Combo | Fitness Savings Account | vs | UFB Checking and Savings Bundle | UFB Portfolio Savings |
| Latest APY | 4.85 % | 4.50 % | 4.21 % | 4.01 % | |
| Trend | Sideways | Sideways | Sideways | Sideways | |
| Slope (bps/mo) | -0.2 | -0.1 | 0.0 | -0.0 | |
| Rate Changes / Mo | 0.22 | 0.22 | 0.00 | 0.00 | |
| Days Since Last Change | 1 | 1 | 138 | 138 | |
| High (-5 m) | 5.00 % | 4.55 % | 4.21 % | 4.01 % | |
| Low (-5 m) | 4.85 % | 4.50 % | 4.21 % | 4.01 % | |
| Draw-down from High | -3.0 % | -1.1 % | 0.0 % | 0.0 % | |
| Volatility (CV) | 0.003 | 0.001 | 0.000 | 0.000 | |
APY Insights Glossary
- Latest APY
- Most recent advertised annual-percentage yield.
- Trend
- Direction over the last 5 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 (-5 m)
- Highest APY in the last 139 days.
- Low (-5 m)
- Lowest APY in the last 139 days.
- Draw-down from High
- How far today sits below the 5-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.
Calculate Savings Growth for Fitness Bank vs UFB Direct
All calculations are based on APY.
Fitness Bank
APY: 4.85%
Total savings breakdown:
- Interest earned: $2,990.9 (14.25%)
- Total contributions: $13,000 (61.93%)
- Initial deposit: $5,000 (23.82%)
Your total balance
$20,990.90
Effective APY: 4.85% (based on your deposit and contributions)
Total balance: $20,990.9
Earnings: $2,990.9
Bank OverviewUFB Direct
APY: 4.21%
⚠️The higher APY only applies once your balance reaches $10,000.
Total savings breakdown:
- Interest earned: $2,541.6 (12.37%)
- Total contributions: $13,000 (63.29%)
- Initial deposit: $5,000 (24.34%)
Your total balance
$20,541.60
Effective APY: 4.17% (based on your deposit and contributions)
Total balance: $20,541.6
Earnings: $2,541.6
With a $5,000 initial deposit and $13,000 in total contributions over 5 years, Fitness Bank's total earnings would be $449.3 higher than UFB Direct's total earnings.
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
More Comparisons
Compare Fitness Bank's APY of 4.85% with other banks
| Bank Pair | Best APY | Min Deposit |
|---|---|---|
| Fitness Bank vs Ally Bank | 3.50% | $0 |
| Fitness Bank vs American Express | 3.50% | $0 |
| Fitness Bank vs Axos Bank | 4.46% | $0 |
| Fitness Bank vs Bank of America | 0.01% | $100 |
| Fitness Bank vs Barclays | 4.10% | $0 |
| Fitness Bank vs Capital One | 3.50% | $0 |
| Fitness Bank vs Chase Bank | 0.01% | $0 |
| Fitness Bank vs Chime | 3.75% | $0 |
| Fitness Bank vs CIT Bank | 4.00% | $100 |
| Fitness Bank vs Discover Bank | 3.50% | $0 |
| Fitness Bank vs Marcus by Goldman Sachs | 3.65% | $0 |
| Fitness Bank vs Presidential Bank | 4.50% | $5,000 |
| Fitness Bank vs SoFi Bank | 3.80% | $0 |
| Fitness Bank vs Synchrony Bank | 3.80% | $0 |
| Fitness Bank vs Varo Bank | 5.00% | $0 |
| Fitness Bank vs Wells Fargo | 2.51% | $25 |
Compare UFB Direct's APY of 4.21% with other banks
| Bank Pair | Best APY | Min Deposit |
|---|---|---|
| UFB Direct vs Ally Bank | 3.50% | $0 |
| UFB Direct vs American Express | 3.50% | $0 |
| UFB Direct vs Bank of America | 0.01% | $100 |
| UFB Direct vs Barclays | 4.10% | $0 |
| UFB Direct vs Capital One | 3.50% | $0 |
| UFB Direct vs Chase Bank | 0.01% | $0 |
| UFB Direct vs Chime | 3.75% | $0 |
| UFB Direct vs CIT Bank | 4.00% | $100 |
| UFB Direct vs Discover Bank | 3.50% | $0 |
| UFB Direct vs Marcus by Goldman Sachs | 3.65% | $0 |
| UFB Direct vs Presidential Bank | 4.50% | $5,000 |
| UFB Direct vs SoFi Bank | 3.80% | $0 |
| UFB Direct vs Synchrony Bank | 3.80% | $0 |
| UFB Direct vs Varo Bank | 5.00% | $0 |
| UFB Direct vs Wells Fargo | 2.51% | $25 |