Fitness Bank vs. Valley 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 6, 2025FDIC InsuredChecking BundleLow MinimumsShow Fine Print & Trends Hide Details
Fitness Bank
Fitness Elite Checking & Fitness Savings Combo
Valley Direct
High-Yield Savings Account
Up to4.10%APYDec 6, 2025FDIC InsuredLow MinimumsGreat iOS AppGreat Android AppRange: 3.50% – 4.10%Show Fine Print & Trends Hide Details
Valley Direct
High-Yield 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. Valley Direct
Why Fitness Bank?
- ✓Higher potential APY (4.45%-4.75% vs 4.10%) on all balances
- ✓Offers 2 different high-yield savings options
- ✓Available to New & Existing Customers
Why Valley Direct?
- ✓Higher rated iOS app (4.8 vs 1.7)
- ✓Higher rated Android app (4.5 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 $410/yr).
Better Returns at $25,000
Fitness BankFitness Bank's Fitness Elite Checking & Fitness Savings Combo pulls ahead with larger amounts (approx. $1188 vs $1025/yr).
Best for Simplicity
Fitness BankFitness Bank's Fitness Savings Account offers 4.45% APY with no bundling, direct deposit requirement or caps.
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.
Best Mobile App Experience
Valley DirectValley Direct offers an iOS app rated 4.8 (vs. 1.7) and Android app rated 4.5 (vs. 0.0)
Shared Benefits
Over a 1-year period, Fitness Bank's Fitness Elite Checking & Fitness Savings Combo pays $65 more interest on a $10,000 balance than Valley Direct's High-Yield Savings Account.
Executive Summary
Fitness Bank offers a competitive edge with its Fitness Elite Checking & Fitness Savings Combo, which provides a higher APY of 4.75% for customers who meet specific conditions, including maintaining a $5,000 average balance and making 15 debit card transactions. In contrast, Valley Direct's High-Yield Savings Account yields 4.10%, but is limited to new customers for the advertised rate, while existing customers receive a lower APY of 3.50%. Both banks are online-only and do not require direct deposit, but Fitness Bank's account requires tracking daily steps for the highest tier. Overall, Fitness Bank stands out for those willing to meet the criteria for its superior APY.
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.
Top Market Contenders
See who beats both Fitness Bank and Valley Direct.
| Feature | Fitness Bank | Valley Direct |
|---|---|---|
| APY | 4.75% Verified: 12/6/2025 Stable (90d) | 4.10% Range: 3.50% - 4.10% Verified: 12/6/2025 ↘︎ 0.20%90d Change |
| Product Name | Fitness Elite Checking & Fitness Savings Combo | High-Yield Savings Account |
| Minimum Deposit | $100 | $1,000 |
| Min. Balance for APY | $100 | $0.01 |
| 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 | iOS4.8 Android4.5 |
| 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. | Promo rate for new customers. 3.50% APY applies to existing customers. |
| Next Steps |
Savings Comparison
Fitness Bank earns $425.3 more than Valley Direct.
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
Valley Direct
High-Yield Savings Account
Savings Breakdown
- Interest Earned+$2,499.40(12.2%)
- Total Contributions$13,000
- Initial Deposit$5,000
Projected Balance
$20,499.40
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 | Valley Direct | |
|---|---|---|---|
| Fitness Elite Checking & Fitness Savings Combo | Fitness Savings Account | High-Yield Savings Account | |
Current APY | 4.75% | 4.45% | 4.10% |
Trend | Stable | Stable | Stable |
Velocity (bps/mo) | -4.0 | -1.6 | -2.9 |
Days Since Change | 94 | 94 | 71 |
9-Month High | 5.00% | 4.55% | 4.40% |
9-Month Low | 4.75% | 4.45% | 4.05% |
Adjustments / Mo | 0.23 | 0.23 | 0.68 |
Volatility Score | 0.024 | 0.010 | 0.025 |
How to read these metrics(Click to expand)
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