Fitness Bank vs. UFB Direct
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 17, 2025FDIC InsuredChecking BundleLow MinimumsShow Fine Print & Trends Hide Details
Fitness Bank
Fitness Elite Checking & Fitness Savings Combo
UFB Direct
UFB Checking and Savings Bundle
Up to3.60%APYDec 17, 2025FDIC InsuredHigh MinimumDirect Deposit ReqChecking BundleGreat iOS AppGreat Android AppRange: 3.40% – 3.60%Show Fine Print & Trends Hide Details
UFB Direct
UFB Checking and Savings Bundle
Comparison Analysis
Comparing Fitness Bank vs. UFB Direct
As of 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 UFB Direct's 3.60% APY for its UFB Checking and Savings Bundle account, with a minimum balance of $10,000.
Fitness Bank pays $115 more than UFB Direct on a $10,000 balance after one year. Fitness Bank pays $475, while UFB Direct pays $360 - an APY advantage for Fitness Bank.
In addition, Fitness Bank also offers 4.45% APY for the Fitness Savings Account account, with a minimum balance of $100, while UFB Direct offers 3.40% APY for the UFB Portfolio Savings account, with a minimum balance of $0.
Why Fitness Bank?
- ✓Higher potential APY (4.45%-4.75% vs 3.40%-3.60%) on all balances
Why UFB Direct?
- ✓Offers 2.00% APY on Checking Account in addition to the savings APY
- ✓Access to over 90,000 fee-free ATMs
- ✓Higher rated iOS app (4.8 vs 1.7)
- ✓Higher rated Android app (4.3 vs 0.0)
— 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 $360/yr).
Better Returns at $25,000
Fitness BankFitness Bank's Fitness Elite Checking & Fitness Savings Combo pulls ahead with larger amounts (approx. $1188 vs $900/yr).
Best for Simplicity
Fitness BankFitness Bank's Fitness Savings Account offers 4.45% APY with no bundling, direct deposit requirement or caps.
Requires Banking Relationship
Both banks require a checking account bundle to access their highest rates.
Best Mobile App Experience
UFB DirectUFB Direct offers an iOS app rated 4.8 (vs. 1.7) and Android app rated 4.3 (vs. 0.0)
Shared Benefits
Over a 1-year period, Fitness Bank's Fitness Elite Checking & Fitness Savings Combo pays $115 more interest on a $10,000 balance than UFB Direct's UFB Checking and Savings Bundle.
*This calculation assumes current rates remain consistent for 1 year and does not include temporary bonuses.
Executive Summary
Fitness Bank offers a standout product with its Fitness Elite Checking & Fitness Savings Combo, yielding an impressive 4.75% APY, contingent on maintaining specific activity and balance requirements. This tiered account necessitates making 15 debit card transactions and tracking daily steps via their app to achieve the highest rate. Alternatively, their Fitness Savings Account provides a solid 4.45% APY without the bundling requirements. In comparison, UFB Direct's highest APY is 3.60% through its Checking and Savings Bundle, which requires direct deposits and a minimum balance, while its UFB Portfolio Savings account offers a lower 3.40% APY. Both banks operate online only, with no physical branches.
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.
Looking for Simplicity?
Don't want a checking bundle? We track many high-yield banks that offer competitive rates without checking requirements.
Fitness Bank vs. UFB Direct Savings Calculator
You earn $115 more with Fitness Bank than UFB Direct on a $10,000 initial deposit for 1 year*.
*This calculation assumes that APYs remain unchanged for 1 year, and takes into account known promo rate periods, but does not factor in bonuses. You can see how often these banks have changed their rates in the Compare Savings Rates Over Time section below.
Fitness Bank
Fitness Elite Checking & Fitness Savings Combo
Savings Breakdown
- Interest Earned+$475.00(4.5%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,475.00
UFB Direct
UFB Checking and Savings Bundle
Savings Breakdown
- Interest Earned+$360.00(3.5%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,360.00
Sponsored Link
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
Top Market Contenders
See who beats both Fitness Bank and UFB Direct.
| Feature | Fitness Bank | UFB Direct |
|---|---|---|
| APY | 4.75% Verified: 12/17/2025 Stable (90d) | 3.60% Range: 3.40% - 3.60% Verified: 12/17/2025 ↘︎ 0.50%90d Change |
| Product Name | Fitness Elite Checking & Fitness Savings Combo | UFB Checking and Savings Bundle |
| Minimum Deposit | $100 | $5000 |
| Min. Balance for APY | $100 | $10,000 |
| Monthly Fee | $10. Waived for average daily balances > $100 | $0 |
| Branch Access | None | None |
| Account Type | Online Only | Online Only |
| Direct Deposit Req. | None | Required |
| Checking Bundle | Yes | Yes |
| Mobile Apps | iOS1.7 Android0.0 | iOS4.8 Android4.3 |
| 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. | The regular savings or money market APY may be boosted up to 3.60% by direct deposits, minimum balance of $10,000 and making 10 approved debit card transactions per statement cycle. The checking account earns 2% APY. See bank for full details. |
| Next Steps | SponsoredOpen Account |
📈 Compare Savings Rates Over Time
Historical Performance
| Metric | Fitness Bank | UFB Direct | ||
|---|---|---|---|---|
| Fitness Elite Checking & Fitness Savings Combo | Fitness Savings Account | UFB Checking and Savings Bundle | UFB Portfolio Savings | |
Current APY | 4.75% | 4.45% | 3.60% | 3.40% |
Trend | Stable | Stable | Stable | Stable |
Velocity (bps/mo) | -3.9 | -1.6 | -6.5 | -6.5 |
Days Since Change | 105 | 105 | 6 | 6 |
9-Month High | 5.00% | 4.55% | 4.21% | 4.01% |
9-Month Low | 4.75% | 4.45% | 3.60% | 3.40% |
Adjustments / Mo | 0.22 | 0.22 | 0.43 | 0.43 |
Volatility Score | 0.024 | 0.011 | 0.053 | 0.056 |
How to read these metrics(Click to expand)
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