Fitness Bank vs. Ufb Direct
High-Yield Savings Account Comparison
By Aviel Fahl|Last Updated: November 12, 2025
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Summary of Fitness Bank vs. UFB Direct
Key Metrics at a Glance
| Feature | Fitness Bank | UFB Direct |
|---|---|---|
| Top Savings APY | 4.75% Fitness Elite Checking & Fitness Savings Combo | 3.71% UFB Checking and Savings Bundle |
| Minimum to Open | $100 | $5000 |
| Minimum Balance for Top APY | $100 | $10,000 |
| 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. | The regular savings or money market APY may be boosted up to 3.71% by direct deposits, minimum balance of $10,000 and making 10 approved debit card transactions per statement cycle. See bank for full details. |
Fitness Bank
Strengths
- Fitness Bank offers a higher APY of 4.75% for its Fitness Elite Checking & Fitness Savings Combo.
- No direct deposit requirement for Fitness Bank accounts allows more flexibility for customers.
- Fitness Bank has a strong BBB rating of A+.
Potential Drawbacks
- Fitness Bank's App Store rating is low at 1.7.
- Fitness Bank has a maintenance fee of $10 unless balance requirements are met.
- Fitness Bank's APY is contingent on meeting multiple conditions, complicating access.
UFB Direct
Strengths
- UFB Direct has a high App Store rating of 4.8 and Google Play rating of 4.4.
- UFB Direct offers a straightforward savings account with no maintenance fees.
- UFB Direct's Portfolio Savings account has no minimum balance requirement.
Potential Drawbacks
- UFB Direct's current APY of 3.71% is lower than Fitness Bank's 4.75%.
- UFB Direct requires a minimum deposit of $5,000 for its checking and savings bundle.
- UFB Direct's APY has decreased from 3.96% in the past 30 days.
Summary: Fitness Bank provides a higher APY of 4.75% compared to UFB Direct's 3.71%, but with more complex requirements. UFB Direct has better app ratings and no maintenance fees, making it easier to manage. Both banks maintain an A+ BBB rating, but Fitness Bank's lower App Store rating may be a concern for potential customers. Overall, Fitness Bank may appeal to those seeking higher returns, while UFB Direct offers simplicity and user satisfaction.
→ As of November 12, 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 UFB Direct's 3.71% APY for its UFB Checking and Savings Bundle account, with a minimum balance of $10,000.
→ Fitness Bank yields $104 more than UFB Direct on a $10,000 balance after one year. Fitness Bank pays $475, while UFB Direct pays $371 - an APY advantage for Fitness Bank.
→ In addition, Fitness Bank also offers 4.45% APY for the Fitness Savings Account account, while UFB Direct offers 3.51% APY for the UFB Portfolio Savings account.
Calculate Savings Growth for Fitness Bank vs UFB Direct
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 OverviewUFB Direct - UFB Checking and Savings Bundle
Top APY: 3.71%
⚠️The higher APY only applies once your balance reaches $10,000.
Total savings breakdown:
- Interest earned: $2,218.7 (10.97%)
- Total contributions: $13,000 (64.30%)
- Initial deposit: $5,000 (24.73%)
Your total balance
$20,218.70
Effective APY: 3.66% (based on your deposit and contributions)
Total balance: $20,218.7
Earnings: $2,218.7
With a $5,000 initial deposit and $13,000 in total contributions over 5 years, Fitness Bank's total earnings would be $706 higher than UFB Direct's total earnings.
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
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 | 4.45% (as of 11/12/2025) | 4.75% (as of 11/12/2025) | 3.51% (as of 11/12/2025) | 3.51% - 3.71% (as of 11/12/2025) | |
| 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 3.71% 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 | 4.4/5 | |||
| BBB Rating | A+ | A+ | |||
Comparative Historical APY Insights (Last 8 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 | 4.75 % | 4.45 % | 3.71 % | 3.51 % | |
| Trend | Sideways | Sideways | Sideways | Sideways | |
| Slope (bps/mo) | -4.2 | -1.7 | -4.4 | -4.4 | |
| Rate Changes / Mo | 0.25 | 0.25 | 0.37 | 0.37 | |
| Days Since Last Change | 71 | 71 | 14 | 14 | |
| High (-8 m) | 5.00 % | 4.55 % | 4.21 % | 4.01 % | |
| Low (-8 m) | 4.75 % | 4.45 % | 3.71 % | 3.51 % | |
| Draw-down from High | -5.0 % | -2.2 % | -11.9 % | -12.5 % | |
| Volatility (CV) | 0.023 | 0.010 | 0.036 | 0.038 | |
APY Insights Glossary
- Latest APY
- Most recent advertised annual-percentage yield.
- Trend
- Direction over the last 8 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 (-8 m)
- Highest APY in the last 242 days.
- Low (-8 m)
- Lowest APY in the last 242 days.
- Draw-down from High
- How far today sits below the 8-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.