Fitness Bank vs Ufb Direct
High-Yield Savings Accounts Comparison
Last Updated: August 8, 2025
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Summary of Fitness Bank vs. UFB Direct
As of August 8, 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 and Google Play rating is 0.0.
- Fitness Bank's current APY decreased from 5.00% to 4.85% in the last 30 days.
UFB Direct
Strengths
- UFB Direct has high App Store and Google Play ratings of 4.8.
- UFB Direct offers a stable APY of 4.21% with no decrease in the last 30 days.
Potential Drawbacks
- UFB Direct requires a minimum deposit of $5,000 to access the highest APY.
- UFB Direct's highest APY of 4.21% is contingent on direct deposits and maintaining a $10,000 balance.
Summary: Fitness Bank provides a higher APY of 4.85% for its Fitness Elite Checking & Fitness Savings Combo, but has low app ratings and a recent APY decrease. UFB Direct offers a stable APY of 4.21% with strong app ratings, but requires a $5,000 minimum deposit and direct deposits for the highest rate. Overall, Fitness Bank may appeal more to those seeking higher yields without direct deposit requirements.
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 8/8/2025) | 4.85% (as of 8/8/2025) | 4.01% (as of 8/8/2025) | 4.01% - 4.21% (as of 8/8/2025) | |
| 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) | -1.0 | -0.3 | -0.0 | -0.0 | |
| Rate Changes / Mo | 0.20 | 0.20 | 0.00 | 0.00 | |
| Days Since Last Change | 10 | 10 | 146 | 146 | |
| 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) | 0.007 | 0.003 | 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 147 days.
- Low (-5 m)
- Lowest APY in the last 147 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 |